davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-22
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Experian Information Solutions Inc. (VA)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2024-08-12
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. (TX)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 1. NAME : XXXX XXXX XXXX / ACCOUNT NUMBER XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. 
I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Consumer complaint received 2024-07-09
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: COLUMBIA BANKING SYSTEM, INC. (WA)

Yes, I think they're looping my account through another account. It's stealing my money. My social security check shows up. But my extra pay from them doesn't show and they won't let me change banks. The actual social security office. I don't have the paperwork when I signed app for the account. I'm trying to figure out what to do I think they're stealing my money
Consumer complaint received 2024-04-22
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. (GA)

I am writing to formally file a complaint against EXPERIAN for non-compliance with the Fair Credit Reporting Act ( FCRA ) and for permitting fraudulent accounts to persist on my credit report without rectification. Attached to this communication, please find copies of the letters I previously submitted to EXPERIAN, along with the assigned identity theft case number XXXX. It has come to my attention that despite my dispute letter dated XX/XX/2023, EXPERIAN has failed to address the fraudulent accounts that continue to be inaccurately reflected on my credit report. I had anticipated that EXPERIAN, as a credit reporting agency, would safeguard my personal information and ensure the provision of precise credit reports. I am deeply concerned about the potential damage to my creditworthiness and financial standing resulting from the presence of these fraudulent entries. I urge EXPERIAN to promptly investigate and rectify the inaccuracies on my credit report in accordance with the provisions outlined in the Fair Credit Reporting Act. Your immediate attention to this matter is appreciated, and I expect EXPERIAN to adhere to the FCRA guidelines in ensuring the accuracy and integrity of the information contained in my credit report.
Consumer complaint received 2024-08-23
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. (AL)

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 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I have tried several times to get my address information updated. I received responses back stating all was updated. I even spoke to a representative who said she will get the files corrected. An address that they are using as a current address is not even an address that and I live dad. That is a business address! Therefore, correspondence that they are sending with my personal and confidential data is going to the wrong place and I have pointed that out several times. As of today, it is not correct.

Address is listed are not my addresses. They were probably XXXX  during work travel. The only addresses should be those that I have attached with a green checkmark. Those that need to be deleted have a red X.

They also have my names in the wrong spot. My current name should be under former name ; my former name should be listed under current name.

I have requested to have my phone number removed.
Consumer complaint received 2019-08-28
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Ashton & Weinberg, Inc. (NJ)

Called personal cell phone multiple times back to back attempting to collect a business debt. Advised me they he was a lawyer and was suing me. Asked him to stop calling and hung up. He called a total of 8 more  times. Also left a threatening voicemail. 

They also illegally pulled my credit report. I want this removed from my XXXX  file
Consumer complaint received 2019-08-28
Product: Credit reporting, credit repair services, 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. (TX)

XX/XX/2019- two inquiries on my credit report that I did not do. 
1.XXXX XXXX 2.XXXX XXXX
Consumer complaint received 2024-01-24
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. (MO)

Experian just said they arr working on the issue STILL but they really didn't but just received a phone call from an Experian phone number and the person left a message and can barely speak XXXX AND THIS NON ENGLISH SPEAKING PERSON WANTS MY FULL SOCIAL SECURITY NUMBER NOT A CHANCE SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MO)

Dear Equifax Support Team, I am writing to formally dispute XXXX fraudulent accounts that have appeared on my credit report. Despite numerous calls to your support team and completing the necessary verification processes, I am still unable to access my credit report. 

Please find my details below : - Confirmation Number : ** XXXX - XXXX XXXX : XXXX - Disputed Accounts : ** XXXX fraudulent accounts - Email : XXXX - XXXX - User Name : XXXX I request your immediate attention to resolve this issue and grant me access to my credit report. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-22
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)

Upon my credit report I have a few collections that im very unaware of. Those collections is keeping me from finding housing for my daugther and I which we are basically about to be homeless. I've disputed the collections multiple times, within days of the dispute, it states all information will remain the same for these collections Ive never had. Ive explained multiple times to all credit bureaus that im a victim of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've also disputed plenty inquiries that has been reported inaccurately and the credit bureaus still decided to leave the inquiries on my report.
Consumer complaint received 2024-04-22
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. (CA)

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 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I have submitted multiple disputes and FTC report regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are not mine. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-04-22
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. (NY)

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 XXXX # 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 person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-22
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: Experian Information Solutions Inc. (NJ)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I have reached out multiple times to customer care and the CEO XXXX XXXX for assistance in removing a collections account that belongs to my exhusband. XXXX XXXX Bankruptcy court documents and a proof of claim have been provided to Equifax Dispute team multiple times and they are closing the dispute without review of the supporting documents. The erroneous account information on my credit bureau is causing a denial for my daughters student loan for college in fall 2023. 
Please assist me in Equifax reviewing the supporting documents provided and/or providing the proof that the collection account belongs on my credit bureau. Thank you
Consumer complaint received 2024-04-22
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)

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Texas, XXXX XXXX XXXX XX/XX/XXXX Subject : Demand for Deletion of Late Payment Discrepancy from Experian Credit Report Dear Experian, I am writing to formally demand the immediate deletion of a late payment discrepancy from my Experian credit report concerning my account with XXXX XXXX XXXX XXXX BANK XXXX, Account Number XXXX. This discrepancy pertains to the reporting of a late payment on my Experian report for XX/XX/XXXX, while my XXXX report shows a late payment dated for XX/XX/XXXX. I assert that this discrepancy is inaccurate and does not reflect the true payment history for the specified period. The details of the account are as follows : The inaccurate reporting of a late payment on my Experian report for XX/XX/XXXX adversely affects my credit standing and contradicts the information on my XXXX report. This discrepancy is concerning and requires immediate attention and correction. I remind you of the Fair Credit Reporting Act 's ( FCRA ) provisions, which mandate credit reporting agencies to ensure accuracy, completeness, and fairness in credit reporting. Specifically, FCRA Section 611 ( a ) ( 1 ) ( A ) grants me the right to dispute inaccurate information directly with the credit reporting agencies and requires prompt investigation and correction of such disputes. I demand that you conduct an immediate and thorough investigation into this matter and delete the inaccurate late payment entries from my report for XX/XX/XXXX. Additionally, I request that you update my credit report to accurately reflect the correct payment status to paid on time for the specified time period. Failure to comply with this demand may result in further legal action to protect my rights under the FCRA. I expect your prompt attention to this matter and look forward to a swift resolution.
Consumer complaint received 2024-04-22
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 2024-04-22
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. (AL)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is damaging my creditworthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation.

According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy have been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnishing peoples information to 3rd party companies, so this is illegal, neglect, and fraud. I have already reported this to the local police department and the Federal Trade Commission. These companies and the credit bureaus can be sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items arent removed immediately.
Consumer complaint received 2024-08-24
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. (NJ)

I am writing to file a formal complaint against Equifax for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ).

Account Information : Creditor Name : XXXX XXXX XXXX  Account Number : XXXX I have previously disputed the accuracy of this charge off account with Equifax and provided evidence that the information is inaccurate. However, Equifax has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Equifax 's refusal to comply with this law is a clear violation of my consumer rights.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I disputed these accounts that dont belong to me in XXXX of XXXX  and i was looking at my credit report today XX/XX/XXXX and i saw the accounts that dont belong to me dating back to XXXX  are still on my credit report. I did not do it and i didnt benefit from it. Please block and delete these accounts that i never signed up for. this is causing me to not have a place to live. i am currently living in a shelter waiting to get this resolved. thank you
Consumer complaint received 2024-08-23
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)

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for charge off and collections. I have tried numerous times to have this situation resolved with no resolutions. 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 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED INACCURATE INFORMATION BEING FURNISHED TO MY CREDIT REPORT AS LATE PAYMENTS, SPECIFICALLY A REHABILIATED LOAN THAT I HAVE CONSECUTIVELY PAID AS AGREED WHICH VIOLATES 15 USC 1681 S-2 ( i ) ( l ) I'VE CONTACTED EACH BUREAU BY PHONE AND CERTIFIED MAIL AND NONE OF THIS INFORMATION HAS BEEN VERIFED BUT STILL REPORTING ACCORDING TO 15 USC 1681A ( 2 ) I, TRANSACTIONS AND EXPERIENCES ARE TO BE EXCLUDED FROM A CONSUMER REPORT, AND FURNISHING A LATE PAYMENTS IS CONSIDERED A TRANSACTION AND EXPERIENCE. FURNISHING THIS IS IN VIOLATION OF MY CONSUMER RIGHTS.

I HAVE NOT GIVEN ANY PERMISSION FOR THIS INFORMATION TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681 ACCORDING TO 15 USC 1681I ( 7 ), EACH BUREAU MUST PROVIDE THE FOLLOWING PROTOCOL OF HOW THEY CONCLUDED THIS INFORMATION. WHICH HAS NOT HAPPENED, SO NOTHING HAS BEEN VERIFIED OR VALIDATED.

LAST YOUR COMPANY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING THIS FALSE INFORMATION IS IN VIOLATION OF 15 USC 1681E ( B )
Consumer complaint received 2024-04-30
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: ClearOne Advantage, LLC (NY)

In XX/XX/year>, I entered into a contractual agreement with Clear One Advantage, wherein it was stipulated that I would settle all outstanding credit card debts within a period of 48 months, as per the terms outlined by Clear One Advantage. I diligently fulfilled my obligation by remitting {$280.00} per month for the specified duration, consistently upholding my commitment even amidst the challenges posed by the XXXX. Upon the conclusion of the 48-month period, I ceased making payments, only to subsequently discover that certain credit card accounts still bear outstanding balances. This realization has prompted me to seek your assistance in addressing this matter, as the unresolved accounts are adversely impacting my credit score and impeding my ability to pursue homeownership. I earnestly appreciate any guidance or support you can offer in resolving this issue. Thank you for your attention to this matter. 

Sincerely,