davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-29
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. (MN)

In accordance with the fair credit reporting act. The list of accounts below have violated my federal protected consumer right to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX account # XXXX XXXX XXXX acount # XXXX Has violated my rights. 

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 with out my writing instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reporting containing any of the folling items of information any other adverse iteam of information, other then records of conviction crime which antedates the report for more then 7 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 information is inaccurate
Consumer complaint received 2024-04-29
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 hope this message finds you well. Regrettably, despite our previous correspondence and the efforts made thus far, the problem persists. 

I urge you to take immediate action to rectify this situation and ensure that such delays do not occur in the future. Timely account opening is crucial for me to access the services and benefits associated with my account. 

Additionally, I request transparent communication regarding the steps being taken to prevent similar occurrences in the future. It is essential to address any underlying issues to prevent such delays from happening again. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXX XXXX : {$16000.00}.
Consumer complaint received 2024-07-26
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. (GA)

Dept of EdXXXX XXXX has placed my student loan account on my credit file and shared this information without my consent. This violates FCRA rights pertaining to the use of my credit report. This can be deemed as fraud.
Consumer complaint received 2024-04-29
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)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

Experian Report XXXX is wrong because it deleted the PAYMENT History of this account it " investigated ''. On XXXX, what i disputed at Experian is the BALANCE which XXXX XXXX XXXX XXXX XXXX reported to the Credit Bureaus. That Erroneous Balance is over a disputed charge ( {$1200.00} ) for a dental-crown which I NEVER APPROVED containing porcelain which makes the dental-crown vulnerable to cracking. On XXXX, a dental-XXXX containing porcelain is NOT WHAT I PAID FOR. I have been disputing this charge since XXXX at XXXXXXXX XXXX. On XXXX, i sent an email of cancellation to the dentist ( XXXX XXXX XXXX XXXX because XXXX XXXX refused to do the XXXX  WITHOUT PORCELAIN which other dentists said they can do. 

Experian Report XXXX is wrong and should restore the PAYMENT History of this account immediately. 

XXXX and XXXX XXXX should process my refund ( {$1200.00} ) back to my XXXX immediately.
Consumer complaint received 2024-04-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (TX)

Hello : I noticed charges from XXXX in my personal checking account. I contacted both XXXX and my bank to stop these charges and reverse them. When I contacted XXXX, they only email me back and said the charges are authorized. I emailed them again with no response. I also contacted my bank to ask them to stop charges, as these are not authorized and have been recurring on my account.
Consumer complaint received 2024-04-29
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. (NJ)

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. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account Name : # XXXX, Account name : # XXXX has violated my rights. 
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
Consumer complaint received 2024-04-29
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. (WV)

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, AK XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXXXXXX VA XXXX XXXX XXXX Balance : {$98.00} XXXX XXXX  XXXX Balance : {$950.00} XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$580.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$160.00} 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-04-29
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: Credence Resource Management, LLC (MN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Im unfamiliar with this account XXXX XXXX account number XXXX My identity was stolen i tried to this but I got no information Credence resource management account number XXXX Im unfamiliar with this account
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

Complaint # XXXX Equifax is stalling sending men A bogus letter stating they cannnot legibly read the documents I submitted and verify that I am who i say I am. Please double check this bogus claim and rectify the situation as this is the exactly the reason they believe they have a ride to do whatever they wan na do and to keep whatever errant and inaccurate information on my report that they deem necessary. They can read every thing that I submitted they have pictures. They have my license. They have a bill my address they have passport information. Theyve got my ID fraud report from XXXX and they are still stalling requesting more information for me which is a bunch of garbage please demand that they rectify this immediately or Ill be sitting in a letter from my attorney and we seek damages.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CT)

FCRA XXXX05B stipulates that we must eliminate any inaccurate accounts from my credit report. Could you please review the documents? Several of the listed accounts contain inaccuracies in their reporting. I am entitled to {$1000.00} for each incorrect entry on my credit file.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

I have disputed the account XXXX XXXX on my Experian credit report several times. Experian is not investing the case at all. I have opened a dispute with Experian twice and both disputes were opened and closed within two days, therefore letting me know that they were closing the disputes without during the proper investigation. I do not owe any debt to XXXX XXXX nor XXXX, the company they are representing. Experian continue to report this fraudulent information on my credit report. I sent a copy of the payment transaction from my bank statement directly to Experian to show the full amount had been paid to XXXX on XX/XX/2019, which my bank XXXX can verify. I have asked Experian over and over to remove it from my account. Instead of Experian removing it as it is not accurate, it was updated on my account as closed. They are not in compliance with the CFBP.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within XXXX  days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I just checked again my XXXX, Experian and XXXX credit reports and I can see accounts reporting inaccurately. You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Please see attached file below
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I recently reviewed again my XXXX, Experian and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2024-09-13
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: EQUIFAX, INC. (IL)

Dear Sir/Madam, I am writing to bring to your attention a matter of great concern regarding my accounts with your institution. It has come to my notice that several unauthorized accounts have been opened in my name without my consent, and I have fallen victim to identity theft. 

Given the seriousness of this situation, I kindly request that a thorough reinvestigation be conducted into these accounts at the earliest convenience. I would like to provide any necessary information or documentation to assist in the resolution of this matter promptly. 

The unauthorized activities on these accounts have caused me a great deal of distress and inconvenience, and I trust that your institution will take the necessary steps to rectify the situation and prevent any further misuse of my personal information. 

I urge you to prioritize this matter and keep me informed of the progress and outcome of the reinvestigation. I appreciate your attention to this urgent issue and look forward to a swift resolution. 

Thank you for your prompt action on this matter.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

I was a victim of the Equifax data breach. I contacted all 3 ( XXXX, Equifax, and XXXX ) credit bureaus via certified mail that there were incorrect addresses on my report and that they should be removed immediately. The address are still on my credit report. They are fraudulent and should have been removed over 90 days ago.
Consumer complaint received 2024-04-29
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)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-28
Product: Credit card — General-purpose credit card or charge card
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. (PA)

I have always paid on time, of that I am sure. However, I'm uncertain why this company is reporting me as late in certain months, which should not be the case. As per USC 1666b, any billing errors should be corrected, or they will owe me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2024-04-28
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)

FCRA 605B mandates the removal of any incorrect accounts from my credit report. Would you mind examining the documents? Some of the listed accounts contain inaccuracies in their reporting. I should be compensated {$1000.00} for each incorrect entry on my credit file.
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

REPORTING ACCOUNT THAT DOES NOT BELONG TO ME ON CREDIT REPORT. THE XX/XX/XXXX ACCOUNT AND BALANCE DO NOT BELONG TO ME. FRAUD/IDENTITY THEFT. IDENTITY THEFT POLICE REPORT AND LETTERS ATTACHED TO REMOVE ACCOUNT.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IL)

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 XXXX  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 XXXX out of XXXX 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 the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Atlanticus Services Corporation (IN)

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Experian and XXXX are reporting two XXXX XXXX accounts as charge offs and open at the same time and posting this monthly as new accounts. 
accounts last updated on XX/XX/year> one for {$8300.00} and one for {$3400.00}. 
This is a direct violation of the FCRA Section 1681e requiring CRA 'S to follow reasonable procedures to insure maximum accuracy and accurate and complete information. 
Section 1681i violation of the procedures that would clearly discover the inaccuracy.

Section 1681s-2 Imposes duties on furnishers of information. 
XXXX XXXX is engaging in practices that are absolutely intended to damage consumers that have had difficult times. As a XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  due to his issues ( which caused my hardship ) XXXX XXXX and the CRA 's should be asshamed.
Consumer complaint received 2024-05-17
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. (IL)

PLEASE BLOCKED AND REMOVED I urgently implore you to promptly remove the unauthorized accounts from my credit report, as they were not authorized by me and are causing me significant distress. Please address this error without delay.
Consumer complaint received 2024-04-29
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. (MI)

Recently a file was removed from XXXX following an investigation. Experian has refused to remove the same file and has also refused to run a correct investigation on the file. They have a digital and paper copy of the XXXX file being deleted and have ignored it each time
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

Address History : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX , MA XXXX Do not know these address and i'm not familiar with either one of the and they need to by deleted off my consumer report
Consumer complaint received 2024-04-29
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. (VA)

I have credit inquiries that I do not recognize and did not give consent to be on my credit report or check my credit report, I have had a problem with fraud being committed in my name and I will like these to be removed only thing I have applied for was a XXXX XXXX XXXX everything else is fraud