davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2024-05-01
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: Experian Information Solutions Inc. (FL)

XX/XX/2024 - Contacted Experian regarding XXXX items to be disputed on my credit report. XXXX XXXX my credit report does not exist! I asked to speak to a supervisor and none were provided. I called XXXX times and was sent to an automated system that will only allow me to request my report with an AI machine or by mail.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am contacting you about the compromising of my social security number. I am a victim of a Data Breach/ Identity Theft. I contacted the Federal Trade Commission and filed an FTC Report Number : XXXX which is attached. Please block and remove all information from my credit report and send me an updated copy of the credit report. 


Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. 

XXXXXXXX XXXX : Account number : XXXX, I was a victim of identity theft. 
XXXX : Account number : XXXX, I was a victim of identity theft. 
XXXX XXXX : Account number : XXXX, I was a victim of identity theft. 

Failure to respond satisfactorily will result in a small claims action against your Agency. I will be seeking damages but not limited to and each violation is a statutory cost of {$1000.00} each Per 15 U.S.C 1692k : 1. Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S. Code 1681o - Civil liability for negligent non compliance 5. Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance 6. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports 8. Under 15 U.S.C. 1681i ( 7 ) Method of verification 9. Violations under 15 USC 1681 a ( 4 ) right to privacy 10. Violations under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports
Consumer complaint received 2024-05-01
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. (LA)

To Whom It May Concern : I am writing to inform you that I am victim of identity theft and therefore I am challenging the reporting and compliance of my credit report.

15 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of. 

I am a victim of identity theft!! Please delete all items mentioned in my FTC report off my credit report. 
These accounts should not be furnished on my consumer report as they are in VIOLATION
Consumer complaint received 2024-05-01
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. (CA)

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 30 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 30 days, they should be promptly removed from my credit report. Since it has been over 30 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 2023-04-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have loan with XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 120 days past due. Ive never been behind on my payment. I tried contacting the 3 credit Bureaus and the XXXX but they have provide me with noting tangible, which reflects anything verifiable. There is definitely an error with their part. I was never late on this account. Investigate properly and please update for 100 % accuracy. XXXXT XXXX Date Opened : XX/XX/2016 XXXX XXXX : {$0.00}
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

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 2024-05-14
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. (GA)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2023-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My identity was stolen and someone stole my wallet with credit card information and personal identification as well I made a police report with my information that was stolen also wrote a letter in my hand written stating these actions that where taken place where not made by me also signing my name multiple times for proof and still was denied my claims
Consumer complaint received 2023-09-16
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. (PA)

To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries XXXX XXXX XXXX Inquiry : XX/XX/202 XXXX Inquiry : XXXX XXXX, 2023 XXXX XXXX XXXX  Inquiry : XXXX XXXX, 2023 XXXX XXXX Inquiry XXXX XXXX XXXX, 2023 XXXX XXXXXXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX Inquiry : XXXX XXXX, 2023 XXXX Inquiry : XX/XX/ 2023 XXXXXXXX XXXX XXXX  Inquiry : XX/XX/2023 XXXX Inquiry : XXXX. XXXX 2023 XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX 2023 XXXXXXXX XXXX Inquiry : XXXXXXXX XXXX 2023 XXXXXXXX XXXX Inquiry : XXXX. XXXX 2023 XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXXXXXX 2023 XXXX XXXX XXXX Inquiry : XXXX. XXXXXXXX 2023 XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXXXXXX 2023  Please remove it from my credit report
Consumer complaint received 2024-07-04
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. (CA)

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 XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX {$190.00} and list of Inquiries. 

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 2024-05-01
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)

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. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX 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 conviction of crimes which antedates the report by more than 7 years. 

15 U.S.C. 1681s ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-21
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. (NY)

Despite my repeated attempts to rectify this situation, the fraudulent accounts continue to plague my creditworthiness and financial stability. However, it seems that my efforts have fallen on deaf ears, as these fraudulent accounts remain uncorrected. 
XXXX XXXX XXXX XXXXXXXX The continued presence of these fraudulent accounts on my credit report is nothing short of an outrage. They have inflicted severe damage on my financial reputation, making it virtually impossible for me to secure credit, obtain reasonable interest rates, and work toward my financial goals. It is beyond comprehension that your agency has failed to take swift and effective action to rectify this situation. 
Your agency 's failure to address this issue effectively is not only a violation of the Fair Credit Reporting Act but also a blatant disregard for the rights and well-being of consumers.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with fair credit reporting act this creditor has violated my rights under 15usc 1681 section 602 states I have the right to privacy ( there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy, 15 usc 1681 section 604a sec 2 consumer reporting agency can not furnish an account without my written permission 15 usc1666b a creditor can not treat a payment on a credit card account under an open end consumer plan as late with any purpose.
Consumer complaint received 2024-05-01
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: EQUIFAX, INC. (CA)

Incorrect payment history reported multiple accounts. 
Accounts not belonging to me repeatedly reported. 
XXXX XXXX reporting Incorrect information. 
XXXX reporting Incorrect info Data breach with XXXX XXXX XXXX XXXX Equifax 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Excessive Inquiries not authorized by me Crimes Committed under my Identity XXXX reports XXXX XXXX XXXX identity theft account Old Negative Accounts over 10 years reporting. 
Payment History not accurately reported XXXX XXXX paid in full and receipt submitted as proof but still reporting negative.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (TX)

I am contacting you about the compromising of my social security number. I am a victim of a Data Breach/ Identity Theft. I contacted the Federal Trade Commission and filed an FTC Report Number : XXXX which is attached. Please block and remove all information from my credit report and send me an updated copy of the credit report. 


Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. 

XXXXXXXX XXXX : Account number : XXXX, I was a victim of identity theft. 
XXXX : Account number : XXXX, I was a victim of identity theft. 
XXXX XXXX : Account number : XXXX, I was a victim of identity theft. 

Failure to respond satisfactorily will result in a small claims action against your Agency. I will be seeking damages but not limited to and each violation is a statutory cost of {$1000.00} each Per 15 U.S.C 1692k : 1. Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S. Code 1681o - Civil liability for negligent non compliance 5. Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance 6. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports 8. Under 15 U.S.C. 1681i ( 7 ) Method of verification 9. Violations under 15 USC 1681 a ( 4 ) right to privacy 10. Violations under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports
Consumer complaint received 2024-05-01
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. (MN)

my information has been stolen and used whoever stolen. My information has used it illegally to apply for credit card accounts with many financial institutions. These are all unauthorized inquiries XXXX XXXX XXXX ( Finance ) XX/XX/XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/XXXX, XXXX XXXX  XXXX ( Auto ) XX/XX/XXXX, These inquiries all unauthorized and is a violation under FCRA and much be deleted my information has been stolen and used whoever stolen. My information has used it illegally to apply for credit card accounts with many financial institutions. These are all unauthorized inquiries : XXXX  XXXX ( Finance ) XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/XXXX. XXXX XXXX XXXX ( Finance ) XX/XX/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 XXXX XXXX XXXX. XXXX XXXX XXXX XXXX these illegal inquiries are reported illegally on my XXXX XXXX report, Experian report, XXXX report, and XXXX XXXX report. It must be removed ASAP. Also, my XXXX XXXX report has many errors including my date of birth of XXXX XXXX, XXXX which is in accurate it must be deleted because my correct date of birth is XX/XX/XXXX, XXXXalso, my check system has many addresses which are all in accurate. My only correct address is XXXX XXXX XXXX, XXXX XXXX, MN XXXX. Please removed this information from my credit report, pursuant to section 15 U.S. Code 16815-2 ( B ) of the Fair Credit Reporting Act, Stating Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. These inquiries are all unauthorized and must be deleted asap under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 15 U.S.C. 1681s-2 ( b ). These inquiries are unauthorized please remove them thank you.
Consumer complaint received 2023-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (CO)

On XXXX XXXX XXXX XXXX XXXX, I received a text from Chime asking if I had authorized a {$900.00} charge at XXXX XXXX XXXX. I immediately texted back " NO ''. They replied " Thanks for your response. Your debit card has been restricted and a representative will be in contact with me shortly. 

On this same day at XXXXXXXX XXXX XXXX, I received a call from Chime Financial XXXX, they asked me to verify my mailing address as they would be sending a new card out to me and since the one I had was compromised. He was a male representative from what I could tell. He also stated that my account had been duplicated so the funds were being moved to the new account. It didn't sound right. So I hung up and called the same number that had called me, and I spoke with another Chime representative who stated that the call must've been fake and someone " tricked '' me. When I went to look at my accounts, both the checking and savings had been drained to {$0.00}. Although the number had originally came from this same number that I had dialed, the representative told me that all he could do was file a dispute on my behalf. 

I checked my account the next morning, and both savings and checking were at a {$0.00} balance and I had an update stating that my dispute had been declined and that there was nothing further that they could do to assist me unless I provided additional documentation for them. I sent them a copy of the text message that I had received asking about the attempted purchase, the call log that shows that I received an incoming call from Chime initially, I also sent a copy of a filed police report. Once again, my claim was denied within 30 minutes. I called back and asked to speak to a supervisor who told me that once was a dispute was declined that there was nothing else that they could do for me. I am not out of {$1300.00} and Chime Financial is not willing to accept any accountability at all for the charges. The transaction memo also states that I paid someone named XXXX XXXX, whom I have never heard of ... and the reason for the transaction was listed as " Chime Reversal Payment ''. I also attached an email that states that they sent me attachments to show how they made their decision and nothing was attached.
Consumer complaint received 2024-04-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Debt Recovery, Inc. (MT)

Medicades Third part liability estate recovery program has put a lien on my mother 's XXXX XXXX estate in the amount of {$91000.00} they denied my undue hardship waiver n I'd like to appeal that...
Consumer complaint received 2023-09-16
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. (MI)

I have XXXX inquiries on my XXXX XXXX that do not belong to me that I demand be removed 1 ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-02
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)

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 Account Number : XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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.