davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness.
Consumer complaint received 2024-05-09
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. (WA)

I applied for several mortgages within the 45-day mortgage shopping window, between XX/XX/2024 and XX/XX/2024. The first inquiry was XXXX on XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe ) and XXXXXXXX XXXX XXXX ( I believe this was from XXXX ) on XX/XX/XXXX. These were all for mortgages from four different companies within the 45-day shopping window, and according to XXXX, " Within a 45-day window, multiple credit checks from mortgage lenders are recorded on your credit report as a single inquiry. '' However, these are showing as 4 separate inquiries on all of my credit reports and have significantly dropped my credit scores as a result. XXXX does not have a dispute process online, XXXX did not have a way to dispute multiple inquires, only invalid ones, which these were not fraudulent, and Experian does not allow disputes of inquiries online. 
I called Experian on XXXX and they were unable to help. 
I spoke with XXXX on XXXX and arranged a call back by a supervisor. I spoke to a XXXX supervisor on XXXX and they said they would not remove the inquiries unless they were fraudulent. I explained repeatedly that they were not fraudulent but they should only appear as ONE hard inquiry per the CFPB website and consumer protection laws. They just argued with me and would not tell me how to get the issue resolved or what documentation to provide.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

This is a follow-up regarding my recent complaint dated XX/XX/XXXX. I am submitting a complaint today to inform you that I was a victim of erroneous reporting. I have re-attached my identity theft report, and per FCRA section 605B, Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the attached documents to assist in the removal of the incorrect personal information, accounts, and inquiries that have been posted to my report. Here is the list of items that were opened without my consent : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Owed : {$5500.00} XXXX XXXXXXXX Balance Owed : {$5300.00} XXXX XXXXXXXX Balance Owed : {$10000.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX -- -EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX : {$5300.00} XXXX XXXX Balance Owed XXXX {$5300.00} XXXX XXXX Balance Owed : {$10000.00} XXXX XX/XX/XXXX -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed XXXX {$5500.00} XXXX XXXX Balance Owed : {$5300.00} XXXX  XXXX Balance Owed : {$10000.00} XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ), the Credit Reporting Agencies must remove any items in a consumer 's file that the consumer identifies as resulting from identity theft within 4 business days of receipt.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my numerous 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 an alleged fraud or extortion. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX Balance : {$2000.00} ; XXXX XXXX  XXXX Balance : {$1500.00} ; XXXX XXXX Balance : {$0.00} ; EQUIFAX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX.
Consumer complaint received 2021-03-23
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: Experian Information Solutions Inc. (PR)

XXXX XXXX has reported a {$1200.00} debt that my insurer XXXX XXXX XXXX XXXX ( XXXX ) had rejected back in XXXX. I did not receive any notification about this debt until it was on my credit report in XX/XX/XXXX. Once it was on my credit report, I reached out to my doctors office who fixed the codes that needed to be resubmitted to my insurer on XX/XX/XXXX. I followed up again numerous times between XX/XX/XXXX and XX/XX/XXXX because XXXX  never received the claim. My doctor ( XXXX XXXX ) put me directly in contact with the XXXX representative XXXX XXXX who assured me that XXXX resubmitted this claim with the corrected codes. Again, I called XXXX numerous times between XX/XX/XXXX to XX/XX/XXXX and still no claim was submitted by XXXX. XXXX XXXX called me directly on XX/XX/XXXX and promised he had followed up and that the claim has been submitted. This is obviously lies because no one at XXXX has received anything. Meanwhile this report has tanked my credit. I disputed this claim with Experian and they refuse to take it off my credit report. I have no power to get these people to resubmit this claim to XXXX and I refuse to pay for it out of pocket based on their negligent handling of this matter. I have no other derogatory marks on credit report except this one and it is keeping me from buying a home. These people are in violation of the FCRA and should be fined for their abusive tactics. I shouldnt have to call XXXX every week for them to do their job. They filed the derogatory remark but are doing nothing to resolve the matter.
Consumer complaint received 2021-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

XXXX XXXX XXXX reported this account as delinquent for amount of {$22.00}. This amount was paid in full on XX/XX/2021. The due date was XX/XX/2021. Because of this situation my credit score was affected and decreased by 72 points in Transunion Credit Bureau.
Consumer complaint received 2024-05-09
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. (AZ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-05-09
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-05-10
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)

I am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding this fraudulent account, and following this submission, XXXX and XXXX have removed these accounts from their records. I have also directly contacted the companies associated with these accounts, and they have confirmed the removal of the accounts. Therefore, I am puzzled as to why these accounts are still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only violates this obligation but also exposes me to further harm. Please have these accounts DELETED for once : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-09
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)

Dear Consumer Financial Protection Bureau, I am writing to formally dispute the reporting of certain accounts on my credit report, which I believe to be in violation of my federally protected rights under the Fair Credit Reporting Act ( FCRA ), specifically provisions relating to privacy and the accurate furnishing of information. 

The accounts in question are as follows : XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX Account # XXXX These entities have, in my view, breached my right to privacy as protected under 15 U.S.C. 1681, Section 602 ( A ), which affirms the consumer 's right to privacy. Additionally, 15 U.S.C. 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including outdated negative information, which predates the report by more than seven years. 

Furthermore, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no information should be furnished to consumer reporting agencies if there is reasonable cause to believe that the information is inaccurate. My situation reflects a failure to adhere to these standards, as these agencies have been furnished with information without my explicit written instruction as required by 15 U.S.C. 1681, Section 604 ( A ) ( 2 ). 

Given these circumstances, I request a thorough investigation into these matters and the immediate deletion of these entries from my credit report as they violate the FCRA. Please inform me of the steps being taken to rectify this situation and ensure compliance with federal law.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Account was closed back in the fall of XXXX. However XXXX has yet to charge off account. They continue reporting to credit agencies that the account is past due negatively impacting my score when its been closed for 7 years. I disputed it with XXXX and the credit reporting agencies but nothing ever happens. When asked them to furnace transaction history they have never sent me anything. This account violates my rights. They are committing fraud by continuously changing the dates reporting. Please remove from credit report
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. (CA)

I recently reviewed a copy of my credit report.I was shocked to learn that I have been a victim of identity theft. I found account on my credit report that were not open by me.I am in the process if buying a home for my family. Please remove the fraudulent account from my credit report as soon possible
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

On XX/XX/year>, I began the dispute process with the credit agencies XX/XX/XXXX experian, and XXXX for accounts I had paid in settlement. I uploaded the documents into the dispute process along with a statement explaining the accounts were settled. The credit agencies refused to conduct an investigation and placed on my report with 24 to 48 hours that they conducted investigations, and my information remained the same with the exception that they credit agencies added/updated additional wrongful information which caused my credit scored to drop at least XXXX to XXXX additional points. I file another dispute and provide documentation with each agency and within 24 to 48 hours the investigations were completed again with more wrongful information added which lowered my scores even more. I called each credit agency and spoke with XXXX ( XXXX, XXXX, ID : XXXX ), and I was informed that it doesn't matter what information the consumers submit, they were not going to update the consumers credit report. I asked her what the purposes was for uploading information into the dispute process if you are not using it to update my credit file. She attempted to clean up her answer. I made multiple attempts to call experian and they have made it where you can't speak to a specialist. Everything is computer operated and it advise you that you can't speak to a specialist. Also, at the bottom of the report it gives you your case number, but you can't use it when you attempt to speak to a representative about your dispute process. All three credit reporting agencies has retaliated against me for inquiring about the update on my credit. Every day I get alerts where they have gone in and added information to my credit report where it continues to lower my scores despite the documentation I provided to them. I also reached out the XX/XX/XXXX and they all informed me that they did not provide any information to the credit agencies because my accounts were in consolidation. Although my accounts were settled in full, the credit agencies were in and listed them as collection accounts and charged off accounts.
Consumer complaint received 2024-05-10
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. (VA)

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 XXXXXXXX  I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

Could you kindly take the time to thoroughly examine the documents provided as attachments? It's essential to carefully review these materials to ensure accurate understanding and consideration of the information contained within them. 
Thank you for your attention to detail in this matter.
Consumer complaint received 2024-05-09
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-05-09
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. (PA)

I recognize the importance of removing any inaccurate accounts from my credit report in accordance with FCRA 605B. Could you please review the documents? I've observed discrepancies in several listed accounts, which is troubling to me.
Consumer complaint received 2024-05-10
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.
Consumer complaint received 2023-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (SC)

Well over 30 days ago I tried to log into my account but appears to be blocked from all access using the account portals. When it tells me to use my debit card and provide last for social security digits it says non existence account or no information matches my profile. When I log unto the online banking I can not gain full access because the account log in page will not open. Something different appears in the browser page as The XXXX XXXX XXXX XXXX XXXX  and not pnc.com. I contacted the bank but they have not been able to assist me with this problem instead they tell me my account has been hacked, which I am already made aware. The company I use to work for XXXX unauthorized a transaction debited to my account that was closed sometime last year from XXXX XXXX XXXX XXXX XXXX XXXX. Again, my browser was blocked from my phone access to review my account for missing funds.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) concerning a collections account that has been severely impacting my credit report and causing me significant stress and financial difficulties. The collections account in question is identified as " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have no knowledge of its origin or legitimacy. Despite my continuous efforts to rectify this situation with the credit bureaus, the issue persists. I became aware of the collections account " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX when I reviewed my credit report. This account had a substantially adverse impact on my credit score, and I was completely unaware of its existence. The presence of this account has made it exceedingly challenging for me to secure favorable financing terms, obtain credit, and pursue my financial goals. I am writing to seek the CFPB 's intervention in resolving this issue. I believe that my rights under the Fair Credit Reporting Act ( FCRA ) are being violated, as I have not received sufficient verification of the debt 's legitimacy, and the collections account is unfairly damaging my creditworthiness.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

I have received your computer-generated notice informing me that you did not do any action or investigation for the disputes I sent out last time because you think I may have used a third-party credit repair company. Not only do I think this is just your delaying tactics to get an extra 30 days to fulfill my first request, but I also think it's a clear violation of the Fair Credit Reporting Act. Again, please be informed that you are reporting inaccurate and incomplete information on my credit report.
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

Between XX/XX/2023, and XX/XX/2023, Experian allowed a dispute to be added to my credit report file by XXXX XXXXXXXX XXXX against my will and was not authorized or disputed by me. This statement by XXXX XXXX has affected my credited worthiness and has harmed my ability to receive credit from other lenders. 

The account was Charged-off and there is no Account #. The amount is for {$1500.00}. If Experian has proof of this dispute received from me, please forward it with your response to this complaint.