davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-25
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Property Receivables, Corp (FL)

Property receivable has placed me in collection for apartment complex that was not signed by me. 
Im requesting all documentations from this debt collector such as contract agreement with my information. I have not signed any contract with XXXX XXXX nor I lived in XXXX. 
I want property receivable to remove this debt from my credit report immediately or I will file a lawsuit in their county.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 2024-04-30
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. (IL)

I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I haven't missed any payments, and I urgently need your assistance in resolving this matter.
Consumer complaint received 2024-04-30
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)

Subject : Request for Verification or Deletion of Negatively Reporting CLOSED Accounts - 15 USC 1681i Dear Experian Credit Team : I am writing to dispute the accuracy of information contained in my credit report, specifically regarding the accounts listed below which are negatively impacting my credit profile : XXXX. XXXX XXXX Acct # XXXX XXXX. XXXX XXXX XXXX Acct # XXXX XXXX. XXXX XXXX XXXX XXXX Acct # XXXX XXXX. XXXX  Acct XXXX XXXX Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) as outlined in 15 USC 1681i , I am requesting that you undertake an investigation to verify the validity of the reported accounts or, if unable to do so, delete it from my credit report in accordance with my FCRA rights and the law.

Upon reviewing my credit report, I discovered that the accounts in question are being reported negatively. However, I have reason to believe that this reporting may be inaccurate or incomplete. I have not received any documentation or communication from the creditor regarding these accounts, nor have I been provided with any evidence supporting the reported information.

As mandated by the FCRA, I request that you conduct a thorough investigation into the validity of these accounts. This includes verifying the accuracy of the account information, the identity of the creditor, and the details of any transactions or activity associated with the account.

Furthermore, if you are unable to verify the accuracy of these accounts within the statutory timeframe, I request that they be deleted from my credit report immediately. The FCRA requires credit reporting agencies to maintain accurate and fair information, and inaccurate reporting can have significant adverse effects on my financial standing and opportunities.

Please provide me with a written response detailing the results of your investigation and any actions taken within the timeframe required by law. Additionally, please include any documentation or evidence that supports the accuracy of the reported accounts. 

Thank you for your prompt attention to this matter. I look forward to your timely response and resolution of this dispute. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2024-05-01
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)

I am writing to express my profound disappointment with your recent assertions regarding my accounts. I categorically reject these claims on the grounds that you lack any material facts or evidence to substantiate them. Consequently, I urge you to promptly commence a comprehensive investigation into these matters. 

Your assertions have cast doubt upon my financial standing and have the potential to significantly damage my creditworthiness. It is imperative that we resolve this issue swiftly and accurately. 

I demand that you immediately challenge these accounts and furnish me with clear, documented evidence to support your stance. Failure to do so will compel me to seek legal recourse to safeguard my rights and rectify this situation. 

XXXX XXXX and XXXX XXXX. 

I trust that your bureau will adhere to the principles of fairness and accuracy in addressing this matter and that you will treat my concerns with the gravity they deserve. I anticipate a timely response and a commitment to conducting a thorough investigation into this dispute.
Consumer complaint received 2017-07-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: AMERICAN EXPRESS COMPANY (GU)

Declation of International human Rights Violation I have letter from   XXXX   XXXX   senior vice president, Address to my old address. Like, I stated in my first complaint that American Express discriminated me because of my nationality and American Express knew I had money in the Bank. I had business from  XXXX ,  XXXX ,  XXXX  as   XXXX   XXXX  . and now I received my latest information for my credit.
1.  XXXX - XXXX  FAIR 2.  XXXX   XXXX -GOOD 3.  XXXX   XXXX  VERY GOOD When  XXXX  and  XXXX  made a major mistake intentionally. for put the wrong four digit number on my social security including my wife. both this companies above had copies of my social security. I also send them the discovered of violation of the loan agreement with the   XXXX   XXXX   XXXX  .
 XXXX 
I am requesting the CFPB the Director for emergency legal assistance to assist me to transfer my money in to the   XXXX   XXXX   XXXX   account. this is involved wrong doing with in t he Financial Entity an d American Express, including the   XXXX   Credit agency to covered up the illegal activity within their own office. I never reach  XXXX  score before and I now discovered, I had very good score, according to the score I had with  XXXX . I fax few hours ago to have the Director of CFPB to help in this matter urgently please.
Consumer complaint received 2024-04-30
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)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAVE VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHT TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.SC 1681. 
XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX15 U.S.C 1681 SECTION 602 A : STATES THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 A : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 U.S.C 1681c SECTION 604 ( 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 XXXX YEARS. XXXX U.S.C XXXX ( A ) ( XXXX ) 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 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

this Company has over 7 diffrent variations of my name, they have old and outdated addresses, jobs, phone numbers this company is also reporting personal private information without written consent according to Title 15 USC 1681 Permissible purpose ( ie ) there is XXXX XXXX car loans that were deleted from my XXXX XXXX Credit file because they were proved fraudulent from the ( XXXX XXXX XXXX XXXX ) but this company is still reporting this false information, which is a violation of the Metro 2 Guidelines as well as the permissible Purpose Law, unless they can produce a written consent form
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

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 2024-06-26
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. (GA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-04-30
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. (OH)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.
Consumer complaint received 2024-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to express my concern regarding the lack of response to my disputes about inaccurate information on my credit report. Over 30 days ago, I submitted detailed disputes to TransUnion, XXXX, and XXXX, listing the specific accounts and outlining the violations made to my consumer report. 

To date, I have not received any response from your agency. This non-compliance with the required 30-day investigation period is unacceptable and a violation of the Fair Credit Reporting Act ( FCRA ).

Furthermore, your company has repeatedly failed to validate a specific collection account, which is a direct violation of FDCPA 809 ( b ) as per the FTC opinion.

Attached are copies of all the letters and supporting documents I previously sent.

I request immediate action to : 1. Investigate and correct the inaccuracies on my credit report.

2. Provide a written response to my dispute submissions.

3. Validate the disputed collection account or remove it from my credit report.

Please address this matter urgently.
Consumer complaint received 2024-04-29
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. (FL)

I understand that according to FCRA 605B, it's vital to remove any inaccurate accounts from my credit report. Could you please review the documents? I've noticed that many of the listed accounts seem to be incorrect, and this is concerning to me.
Consumer complaint received 2024-04-30
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. (CO)

Upon reviewing my credit reports from XXXX  and XXXX XXXX, I have identified several credit inquiries that I did not authorize. These inquiries have adversely affected my credit score and potentially exposed me to further financial and identity theft risks. The unauthorized inquiries include but are not limited to : 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 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX These unauthorized inquiries were made without my knowledge or consent, and I have not engaged in any financial transactions that would justify these hard pulls on my credit. Their presence on my credit report is erroneous and suggests a failure to maintain secure and accurate records, which is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

And the responses from the Credit Bureaus have been nothing less than fraud, labeling these as factual data for a XXXX person not applying for credit.
Consumer complaint received 2023-09-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.
Consumer complaint received 2023-09-03
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 XXXX XXXX XXXX  # XXXX has violated my rights.

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

15 U.S.C 1681 section 604 A. 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 agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-30
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)

On XX/XX/2021 I bought a XXXX XXXX from the company XXXX. I then paid this vehicle off a year later. The furnishing company ( XXXX ) sent me the title to the vehicle with their official company stamp and then reported the vehicle on my credit as Paid, closed. Then the same exact tradeline had now posted on my credit as Charged off. I have the title of the vehicle and have screenshoots of whats being reported on my credit file as well. This has now become an even BIGGER problem because I was recently offered an employment opportunity with XXXXXXXX XXXX, but they retracted my offer due to this charge off being listed on my credit report. Please help me have this removed immediately because I have now disputed this twice, and lost a great job opportunity which was going to help me provide for my family. I have emails from my job offer and why my offer was retracted, as well as my title of the vehicle, and the XXXX separate reportings on my credit file.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

Experian credit Bureau plus Clarity information... 
I spoke with agent XXXX XXXX at XXXX on XX/XX/XXXX... she going over my credit report ( friendly ) she is very through!! 
Asked to Verify, send code credit card code XXXX and my credit card info to process {$1.00} fee, credit score XXXX XXXX, Experian XXXX, and XXXX XXXX ... that's been reported I'm expressing concerns w Experian reporting me low due to my XXXX XXXX XXXX XXXX XXXX bill being a high balance of {$180.00} .. my XXXX XXXX bill has not changed but instead its a credit of {$250.00} XXXX reporting wrong excessive balance but its a credit. On their 2x one w a XXXX balance. Showing negative XXXX XXXX, car installation closed dated open off 11days.. last reported different dates, XXXX XXXX XXXXnd XXXX and different balances, unknown balances ( disputed ) flagged XXXX XXXX pymts states Experian and XXXX 2 different ope

n and closed dates credit limit wrong. Plus balance ( disputed ) flagged.. Hard inquiries.XXXX XXXX. XXXX XXXX XXXX Unauthorized consent and inappropriate inaccuracy all SCORES ... ELECTRONALLY REMOVE THEM. ( DISPUTE ) FLAGGED Plus XXXX XXXX XXXX, XXXX late 30 days and Experian current!! Reporting degreatory, how marked late when paid-off Student loan, XXXX balance, unknown payments, degreatory, open date off my 20days, last reported last month! Balance XXXX original balance {$2700.00} dispute ( flagged ) XXXXXXXX XXXX {$500.00}. Date opened off 28days, XXXX XXXX balance. Delete no proof their records only go back 2yrs disputed ( flagged ) XXXX {$150.00} degreatory XXXXXXXX XXXX degreatory, never late XXXXXXXX XXXX wrong XXXX marked wrong XXXX  Never late, showing degreatory for no reason XXXX. Wrong balance! Showing {$730.00} payments but it's {$530.00} balance {$20000.00} they are not processing loan correctly I thank her!! 
She's amazing!!