davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

On XX/XX/year> I submitted a letter that informed them I had multiple incorrect name spelling, Addresses, Employment, and telephone numbers that is reported on my credit report. The names, employment and the telephone numbers were corrected, but not the addresses. There are XXXX addresses listed on my credit report that I am not affiliated with. They sent me a report back saying " the following information is reported by you, your creditor, or other sources which may report your personal information differently. '' If anyone is reporting my address or personal information incorrectly or inaccurately, it should not be on my credit report. I'm letting them know this is not correct and they refused to remove it. I understand it doesn't effect my credit score, but I don't need inaccurate information on there whether the credit score is effected or not. 

My Address is XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I provided a copy of my drivers license with the letter.
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX , XXXX XXXX XXXX XXXX In accordance with the Fair Credit Accordance these accounts has violated my rights 15 U.S.C 1681 section 602 A1 States I have the rights to privacy 15 U.S.C 1861 section 2 1602 A section B a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

i been a victim of idenity theft and had various accounts opened in my name with adverse affects to my credit worthiness and financial situation i cant open a bank account get a loan a credit card i cant even cash a XXXX check at XXXX. because of that i am forced to be on publIc assistance i have several checks i cant cash no bank will cash it no check cashing place will cash it who is the regulatory agency responsible for that because there guilty of defamation because i am being forced into poverty per whatever policies they are enforcing on me. whos responsible all the reporting agencies the regulatory agencies. i cant even claim my minors account because they wont let me use the account.. i am victim of idenity theft and by your inactions an infant and under the baby act. so why are contracts being enforced on me negatively. cfpb does nothing that benifits me
Consumer complaint received 2024-04-08
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Finding an error indicating a late payment on my account is distressing, especially considering my history of consistently meeting payment deadlines. This discrepancy is causing unwarranted XXXX and I urge you to rectify the situation promptly by updating my records accordingly.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AR)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.
Consumer complaint received 2024-03-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC (NC)

Aldous and Associates a lawfirm in Utah is trying to charge me {$850.00} for a XXXX 's gym account that I do not owe for. I was a victim of identity theft years ago, which I file a police report for, it XXXX have something todo with that. My social security number has also been used fraudulently on the " Dark Web '' with is also reported on my credit report. The dates listed for the membership are false, and the XXXX in question is closed at the location, XXXX has been closed for years. This report should be taken off my credit, and the debt erased.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: John C. Heath, Attorney at Law, PLLC (MI)

I been with Lexington law for 2 years they charge me {$250.00} a month for alone period of time and they never removed or repaired my credit I lost my money out of my pocket They never fix my credit
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I've been a victim of identity theft and I noticed a lot of unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm to me. I need these fraudulent accounts removed ASAP.
Consumer complaint received 2024-02-26
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NY)

My complaint is against American Express, specifically relating to a refund owed to me for an unused portion of an annual fee. 

Briefly, Amex charged my Business Platinum account ending in XXXX an annual fee of {$690.00} on XX/XX/XXXX. This account was later closed on XX/XX/XXXX, a personal account ending in XXXX having been opened weeks prior. I was assured that accumulated miles would be transferred from the closed business account to the new personal account ( they have been ) and that I would receive a refund of the unused portion of the Business Platinum annual fee -- I have not. 

I had telephone communication with XXXX representatives of Amex on XX/XX/XXXX. Amex claims a policy that in essence places a burden on the credit card holder to notify them within 30 days that the credit was not received. This, of course, is not possible as one needs to await a full cycle ( or XXXX ) of credit card billings before one can know for certain that the credit has not been applied. 
I believe that I am owed the unused portion of the charged annual fee.
Consumer complaint received 2023-11-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (AZ)

XX/XX/2020! I had rented a car for my granddaughter in XXXX XXXX XXXX and the car was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX But anyway XXXX XXXX police took the car in for investigation on XXXX ( Saturday )! XXXX XXXX released it on XXXX! The car rental claimed they didnt get it for 10 days! That took the rental up to {$2300.00} and US Bank let them take it and 1 deposit from government stimulus they took it but the government took it back and sent it to me! So lastly US Bank has XXXX XXXX  me to where I cant open any accounts at any bank!
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

When logging into my app which is XXXX XXXX with XXXX XXXX, it asked me to pay a minimum balance of {$170.00}. Upon paying that amount what was due it than said I owed {$26.00} and marked my account as late and delinquent. I have never missed a payment as being an business owner in this matter, Also this account is a business account which shouldn't be reporting on to my personal credit at all. I've have reached out to the company they told me that they were disputing this situation due to their mistake of an technical issue from their company 's app, but instead of removing the entire account from my personal credit report they only updated the remarks on this situation which is still inaccurate information. This issue has left me homeless I was in the middle of closing on a purchase for my home for me and my family, and was unable to do so due to the derogatory which dropped my credit score over XXXX points on all 3 credit reports. I lost out on my escrow money because of this derogatory item on my credit report as well which again took away from me and my family. This is against my civil rights they failed to comply according to 15 USC 623 a code, I can not apply for anything nor am I able to provide for my family in this matter due to them not removing this account from my credit report for their mistake. I have proof of screenshots from the inaccurate reporting as well as they have numerous of recorded calls of me trying to resolve this issue. The screenshot will show as well the different errors in what's due each month as well as them only updating the remark and not complying to them telling me they will put in the dispute to have this account removed from my credit report.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I am lodging this complaint on my own behalf. Upon scrutinizing my credit record, I found instances of late payments. Despite sending letters over XXXX  days ago, I have yet to receive a response, and satisfactory validation has not been provided. I respectfully seek your assistance in addressing this issue.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

IN accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c. 1681.. 
Account Name .... XXXX XXXX XXXX Account # XXXX ... Account Name .... XXXX XXXXXXXX .... Account XXXX XXXXXXXX .... Account Name... XXXX XXXX XXXX ... Account # XXXX .... Account Name .... XXXX XXXX XXXX  .... Account # XXXX .... Account Name... XXXX XXXX ... XXXX XXXX .... XXXX XXXX XXXX  ... XXXX XXXX .... 15 u.s.c 1681 section 602 A. state i have the right to privacy.. 15 u.s.c. 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 u.s.c 1681 c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years...

15 u.s.c 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate...
Consumer complaint received 2024-04-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (PA)

I understand that FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies, which is causing me discomfort.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

On XXXX XXXX XXXX I sent a letter regarding in accurate and unknown things on my credit report to this day over 51 days later I have yet to receive a response yet. I feel like I'm being taken advantage of and that my disputes are being ignored. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been well over 51 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress that you have caused me. My information was also impacted by the XXXX data breach and may have gotten in the hands of the wrong person.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

My name is XXXX XXXX. I am not a XXXX party. I am a natural person submitting this complaint, and I am requesting that these negative items be removed from my consumer report. The current address is my only deliverable address, which is the only address I want on file per the FCRA since its not deliverable it should not be on my file.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

My name is XXXX XXXX XXXX im writing you guys today because there is an inaccurate collection reporting on all 3 credit bureaus the company is XXXX  account number XXXX XXXX and Equifax both have this account as an open account which is against the law Equifax also is listing this account with past due balance and 120 days which is also a volition I tried to dispute with bureaus they verified the information but clearly this information is not accurate all 3 bureau information does not match and I want this account deleted from my credit report I attached a file so you guys can see that the information does not match on all 3 bureau and that transaction and Equifax are breaking the law by reporting this collection account as open also XXXX and XXXX have this listed as a collection account with no name or company it just says collection account I would like this account removed asap possible this account reporting inaccurately has caused me a lot of pain and stress
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (DE)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but never received a response from them. This account must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I will take legal action against them if they do not validate this account. Please follow the law to resolve this matter as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

XX/XX/XXXX To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( XXXX ) that contain errors : The following personal information is incorrect NAME : XXXX XXXX XXXX XXXX EMPLOYER : XXXX XXXX AND XXXX XX/XX/XXXX EMPLOYER : XXXX AND XXXX XXXX XX/XX/XXXX EMPLOYER : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EMPLOYER : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EMPLOYER : XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX MD XXXX PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXXXXXX, MD XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX In accordance with the Fair Credit Reporting Act, I hereby request an investigation into these items and their removal from my report. I understand that you are obligated to verify these items with the respective creditor. Please eliminate any information that can not be verified by the creditor. I am aware that, as stated in 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 15 days of receiving this letter.

Thank you for your attention and assistance in resolving this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This is my follow-up complaint about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX LA XXXX XXXX Owed XXXX {$150.00} XXXX XXXX XXXX XXXX  Balance Owed : {$410.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$90.00}
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

Experian is reporting incorrect XXXX of my name that I am not known by and that could lead to identity theft. I have already disputed the inaccurate names with Experian and have uploaded proof of my identity and legal spelling of my name. Despite this, Experian continues to verify and publicly report these inaccurate spellings of my name. The inaccurate XXXX of my name that need to be removed are : XXXX XXXX XXXX and XXXX XXXX. I have uploaded a copy of my driver 's license for reference to the correct spelling of my name.