davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-28
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. (NV)

XXXX XXXX closed my account with no notice and has made it impossible for me to make a payment or access my credit card statements. They have submitted information to the credit bureaus that have tremendously lowered my credit score and has drastically effected my life. I have been trying to get this resolved with XXXX XXXX since XXXX. The one and only letter I received in XXXX to why my account would be closed has incorrect information on it. Whomever the " XXXX XXXX '' is has not contacted me, although I have requested to be contacted several times via XXXX supervisors. The general supervisors would like to assist me but are unable to assist because the account is restricted from them being able to do anything. They can only send an email, there is no phone number for them to get in touch with the " XXXX XXXX '' that should be fixing my account. 

The only thing that has been done by the " XXXX XXXX '' is reporting that my account was closed with a balance owing of {$1000.00} and in XXXX that the account was 30-60 days past due. The account being closed and the balance not being paid has been out of my control and all due to the fault of XXXX. 

Please see my attached uploaded detailed notes of the actions I have taken to get this matter resolved. 

Today I submitted a dispute to experian and XXXX, also trying to get this matter resolved.
Consumer complaint received 2023-12-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NJ)

To my dismay, it has been well beyond the allowed timeframe of 60 days, and I have yet to receive any meaningful information regarding the status of the investigation. I submitted a dispute regarding fraudulent accounts on my credit report, clearly indicating that I am a victim of identity theft. According to the Fair Credit Reporting Act ( FCRA ), the credit reporting agencies are obligated to investigate such matters and provide resolution within a reasonable timeframe, not exceeding 30 days, with a potential extension of 15 days under certain circumstances. The lack of communication and transparency from your bureau is not only unprofessional but also in violation of the regulations set forth by the FCRA. I was the victim and Im not sure why the CRA is not complying with the law. Im very confused why this one seems to ignore my requests. I demand an immediate and thorough review of my case, along with the removal of the fraud accounts from my credit report or, at the very least, a suspension of their reporting until this matter is adequately resolved. It is evident that these disputed accounts are a result of identity theft, as your bureau has failed to verify their validity within the stipulated timeframe. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have diligently provided all necessary documentation to support my claim of identity theft, yet there has been no evidence of the bureau 's effort to verify the validity of the fraud. This lack of action is not only unacceptable but also indicative of a serious lapse in your bureau 's responsibility to protect consumers from the damaging effects of identity theft.
Consumer complaint received 2023-12-28
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)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-11
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. (FL)

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting items as unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-11
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. (GA)

It seems that once again, my credit file has been compromised. Upon reviewing my records, I've discovered numerous items that are not mine. As someone who values thorough research, I've learned that under section 605b of the FCRA, there's a legal obligation to remove any fraudulent items resulting from identity theft. The disputed items are not associated with me. I've attached the necessary FTC Report for your reference and for the bank 's records. Kindly proceed with the removal of these items. 
XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX  XXXX XXXX Balance : {$3600.00} XXXX XXXXXXXX XXXX Balance : {$10000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 2023-09-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2024-04-11
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-11
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. (FL)

Experian, XXXX have inquiries i dont recognize or authorize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-14
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. (GA)

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : ) XXXX Balance : {$1600.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (DE)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-02-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

on XX/XX/XXXXXXXX  I submitted a dispute to XXXX  requesting that inaccurate information being reported on my credit report be validated or removed. In received no validation. I then submitted a follow up dispute on XX/XX/XXXX. Once again I received no validation
Consumer complaint received 2023-12-28
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. (SC)

I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. Attached you will also find my ID, and Proof of Address with my most recent bill.
Consumer complaint received 2023-12-28
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. (SC)

XXXX XXXX XXXX - Account Number : XXXX - I mailed letters to XXXX XXXX Experian XXXX and XXXX XXXX XX/XX/2023 requesting that they all remove late payments accounts from my consumer credit report as this information is listed in violation of the following consumer credit protection laws : 15 USC 1681 Section 602 which states that I have the right to privacy 15 USC 1681 Section 604 A Section 2 which states a consumer reporting agency can not furnish an account without my written consent. *15 USC 1681a - Definitions ; rules of construction- Exclusions- Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 USC 1666B A creditor may not treat payment on a credit card account under an open-end consumer credit plan as late for purpose. The account has also been paid as agreed and closed. If an account is closed the company may no longer report it as late!
Consumer complaint received 2024-04-11
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. (NY)

Despite many attempts to rectify this issue, the fraudulent entries persist, causing significant harm to my financial reputation and XXXX  This repeated failure to address the issue adequately is unacceptable and has caused immense stress and hardship. It is imperative that these fraudulent items are promptly removed to prevent further damage to my financial well-being and to safeguard against potential identity theft or financial fraud. Furthermore, I request transparent communication throughout the resolution process and regular updates on the progress of the investigation into these fraudulent items. It is crucial to restore confidence in the accuracy and reliability of information reported on credit reports. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Miscellaneous and public record XX/XX/2024 ; XXXX XXXX XXXX XXXX XXXXXXXX, CT XXXX ; XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance XXXX {$6600.00} ; XXXXXXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

After reviewing my credit report, I noticed I have 1 late payment being reported by XXXX XXXX I notice the late payment was reported in XX/XX/2023. Please note I have excellent payment history with is company and has never been late. From my history of never being late, this is an oversight on behalf of the client. Please note this report is a violation of my consumer rights. Please understand as a consumer my rights were violated by the reporting of these late payments. I would like these late payments to be removed and cleared from my credit profile. 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (DC)

In XX/XX/2023, this company added a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for this account. This debtor 's creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. According to the FCRA, this company has violated my rights as a consumer and I am requesting action to have this account removed from my credit report immediately.
Consumer complaint received 2024-04-11
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. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-26
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)

These furnishers continue reporting false, inaccurate information on my credit report. XXXX, Experian and XXXX continues to report the inaccurate information on my credit report that violations of my rights under the FCRA. In addition, here are some of the laws that continue to be broken at my expense! 
- Per Section 623 15 U.S. Code 1681s2 : 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.

- Per Section 623 ( a ) and 623 9 ( a ) ( 2 ) : Duties After Notice of Dispute from Consumer. If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs.

- Per Section 623 ( a ) ( 5 ) : Duty of furnishers to provide date of delinquency on charge-off, collection or similar accounts. 
XXXX XXXX
Consumer complaint received 2024-04-11
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. (MI)

I am writing to dispute unauthorized inquiries listed on my credit report. I noticed several inquiries that I did not authorize or recognize. The unauthorized inquiries are as follows : XXXX XX/XX/XXXX XXXXXXXX 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 According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or unauthorized information on their credit reports. According to Cushman v Transunion 1997, the credit bureau is supposed to ensure maximum possible accuracy, the account violates these laws Delete the follow inquiries 15 U.S code 1681i 15U.S code 1681s-2 15 U.S code 1681I ( 5 ) 15 U.S. Code 1681b 15 U.S. Code 1681 15 U.S. Code 1681b 15 U.S. Code 1681n 15 U.S. Code 1681e
Consumer complaint received 2023-12-28
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-28
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. (NC)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2024-04-11
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. (AL)

I HAVE FILED A DISPUIT TO THE INCORRECT ITEMS ON MY CREDIT REPORT. IT HAS BEEN WELL OVER 30 DAYS AND I HAVENT RECIEVED ANY INVESTIGATION REPORTS. 
15 u.s. code 1681b- permissible purposes of consumer reports.

This is a violation of 15 U.S code 1681i ( 5 ( removal of inaccurate/invalidated credit information. please remove immediately. 

XXXX XXXXXXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX Account XXXX XXXX  Account XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX Account XXXX XXXX XXXX  Account XXXX
Consumer complaint received 2023-11-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Section 6 o 2 states I have the rights to privacy ( 15 USC 1681 ( section 604 section 2 ). It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666B. A creditor may not treat a payment on an accounted under an open consumer credit as late for any purpose.
Consumer complaint received 2024-04-11
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. (NY)

I am writing to file a formal complaint regarding the ongoing issue of late open accounts on my credit report. This marks the fourteenth time I have attempted to rectify this issue, and despite my persistent efforts, the inaccuracies persist, causing significant harm to my financial reputation and well-being. Despite multiple rounds of dispute, these late open accounts remain on my credit report, adversely affecting my creditworthiness and financial standing. This repeated failure to address the issue adequately is unacceptable and has caused immense stress and hardship. It is imperative that these inaccuracies are promptly corrected to ensure the fair and accurate reporting of my credit history. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX XXXXXXXX Balance : {$420.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.
Consumer complaint received 2024-04-11
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.