davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-19
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. (MO)

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
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 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 2024-04-19
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. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

Wrote countless of letters disputing to XXXX and Experian the following accounts accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX DATE OPENED XX/XX/XXXX DATE REOPENED XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ( XXXX ) XXXX that were removed by XXXX that reappeared after a few years. XXXX refuses to delete the accounts. This is hurting my Credit score.
Consumer complaint received 2024-08-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (FL)

Hello, I filed a dispute with my Synchrony Card ( ending in XXXX ) in XXXX of XXXX for a charge on XX/XX/XXXX to XXXX XXXX XXXX XXXX NY in the amount of {$2000.00}. REF # XXXX. 

I uploaded evidence that XXXX with XXXX XXXX canceled my service two days before my reservation. I have written evidence that XXXX stated he would give me a full refund on XX/XX/XXXX. I have uploaded this evidence. 

I received a letter from Synchrony Bank on XX/XX/XXXX that a credit will Not be issued at this time.The letter states that they have received no proof that a credit is due. I did upload proof that the company canceled my service and a credit is definitely due. 

I have included the written communication from XXXX with XXXX XXXX when he states he will give me a Full Refund but he never did that. XXXX XXXX is committing theft and fraud They have blocked me from all communication. 

Synchrony Bank is supposed to protect their customers against fraud such as this. 

Thank you,
Consumer complaint received 2024-04-19
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)

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had three late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates ( XX/XX/2022 ) ( XX/XX/2022 ) ( XX/XX/2022 ) Im now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2023-12-19
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)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-22
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: TRANSWORLD SYSTEMS INC (MN)

XXXX sent me XXXX different emails. One for myself and 1 for someone. They are disclosing people 's personal information. This violates privacy for me and other persons information they sent me. They should also reach out to the customer in which they sent me their private information. This debt they are collecting is also more than XXXX XXXX XXXX. No letter or itemized statement has been sent of this debt to me XXXX people involved XXXX XXXX # XXXX XXXX XXXX # XXXX See attached email company sent me with the information
Consumer complaint received 2024-04-19
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. (IL)

PLEASE BLOCKED AND REMOVED. 
I did not authorize the creation of these accounts and have suspicions regarding their legitimacy. I kindly ask that you conduct a thorough review and expeditiously remove them from my credit report.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX placed a paid charged off timeshare account on my report. Because it is a real estate transaction it is preventing me from getting a home loan. I have never had an account nor signed up for timeshare with XXXX XXXX. Furthermore I have never paid the more than {$15000.00} that was required to pay off the charged off account to XXXX. 

On XX/XX/year> I sent a certified debt validation letter to XXXX and they received it on XX/XX/year> ( proof will be attached ) They have not sent any documentation validating the account and it has been more than 30 days. I sent a second validation request yesterday. 

I believe someone else with my name had this account but they put it on my report. I have never signed nor conducted any business with XXXX XXXX XXXX.
Consumer complaint received 2023-05-26
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: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card Credit Card XXXX XXXX XXXX XXXX Individual Individual Account Status : Closed Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$59.00} {$59.00} {$300.00} XXXX XXXX : {$300.00} {$300.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Inactive account Account has been closed due to inactivity. 
Closed or paid account/XXXX  XXXX Credit card Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - - XX/XX/XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-04-19
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. (NJ)

There are 2 Inquiries on My Credit Report from XXXX that I did not do Please Remove these fraudulent inquiries from my report. 

XXXX XXXX  : Inquiry Dated on XX/XX/2022 XXXX XXXX  : Inquiry Dated on XX/XX/2022 Chase need to inform Experian, XXXX, & XXXX that these inquiries are fraudulent. 

My FTC Report & ID is attached
Consumer complaint received 2024-04-19
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. (IL)

I recently reviewed a copy of my credit report and observed numerous inaccuracies associated with my account. These discrepancies are adversely impacting my creditworthiness and ability to secure credit. I trust that you will conduct an investigation into this account to ensure its accuracy. The specific account I am requesting verification for is the XXXX  XXXX, identified by the Account Number : XXXX.
Consumer complaint received 2024-04-19
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. (NC)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced
Consumer complaint received 2024-04-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I am writing to formally dispute the accuracy of the information contained in my credit report. Upon thorough review, I have identified several inaccuracies that have not been rectified despite previous attempts to address them. 

I have diligently followed the dispute process outlined by your bureau, providing supporting documentation and explanations to support my claims of inaccuracies. However, despite my efforts, the errors persist, and there has been no resolution. 

It is imperative that these inaccuracies be promptly addressed and corrected to ensure the accuracy and fairness of my credit report. I kindly request that you conduct a thorough investigation into the disputed items and take the necessary steps to rectify the errors. 

I appreciate your attention to this matter and request regular updates on the progress of my dispute. Your prompt action in resolving these discrepancies is crucial. 

Thank you for your cooperation.
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. (FL)

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and addresses I do not recognize are continued here. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2018-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION (TX)

I had sent money through XXXX XXXX  and was scammed by my party not showing up and getting to me like said. I have not received any form of product through these services. I got a letter that the bank was in my favor then i get a letter saying they are taking the money back which will overdraft my account.
Consumer complaint received 2024-04-19
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)

ON XXXX, i sent letters disputing the inaccurate information they are reporting on my credit report, per 15 USC 1681e ( b ) states Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
all of the information is being reported inaccurately and incompletely, and i need the following tradelines deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I have requested, more than once, that all three major Consumer Reporting companies delete all old mailing address from my consumer report. Neither XXXX, Experian, or XXXX have complied and shall do so according to Section 605 ( h ) ( 1 ) of the Fair Credit Reporting Act.
Consumer complaint received 2023-04-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NJ)

Specialized loan services, my mortgage company told me during covid not to pay payments because the STATE shut down my XXXX for COVID and i was in a forbearance. the mandates really hurts business but i am willing and able to pay for years now the have denied me for everything and refuse to help the are demanding my deed. they prolong help thru NJ housing and dev. and even they wont help. I will not ; lose my home over this covid closing. i was already battling hardship when covid hit
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry XXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXXC Date of inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

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 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 2024-04-19
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)

I reached out the them and got nothing but the run around I have drove in XXXX  years Im not looking for a car and some of theses companies run my information about XXXX  times in a day are the next day I dont recognize any of this I want to see my wet signature on this authorization this is very inaccurate on my credit report I even informed Experian to dispute these XXXX  inquiries over XXXX. If Im correct if credit agencies dont delete your negative items aft you dispute them they will owe you {$1000.00} per item 15usc i68 ( civil liability for willful non compliance.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

The late payments showing on my report are completely inaccurate. I keep immaculate records of payment history across all my bills and accounts, and there should be no late payment showing here. Inaccurate late payment like this is preventing me from obtaining credit that I'm trying to apply for because it's affecting my credit worthiness. Please be aware that inaccurate credit information can't be reported.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

XXXX credit reporting system is showing conflicting information regarding the status of late payments on my accounts : XXXX instances of XXXX late payments and XXXX instances of XXXX late payments are reported when I access my account via my mobile device ; however, these late payments do not appear when I log in through a computer. This discrepancy has made it impossible for me to accurately dispute these inaccuracies, as the desktop versionwhich does not display these late paymentsdoes not reflect the information that is evidently damaging my XXXX XXXX.
Consumer complaint received 2024-04-18
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. (OH)

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate and according to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This account XXXX XXXX XXXX Account # : XXXX And one more thing according to 15 USC 1681s-2 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. 

Check the attachments below
Consumer complaint received 2024-04-19
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)

Recently I looked at my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. On XX/XX/XXXX I asked the credit agencies to send me a detailed report on how these accounts were verified which they have not sent to me. 

Here are the items I am asking you to verify as accurate : XXXX : XXXX Account # XXXX XX/XX/XXXX XXXX : XXXX XXXX Account # XXXX XX/XX/XXXX XXXX : XXXX Account # XXXX XX/XX/XXXX XXXX : XXXX XXXX  Account # XXXX XX/XX/XXXX XXXX : XXXX Account # XXXX XX/XX/XXXX XXXX : XXXX XXXX Account # XXXX XX/XX/XXXX XXXX : XXXX Account # XXXX XX/XX/XXXX XXXX : XXXX Account # XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX Account # XXXX XX/XX/XXXX Experian : XXXX Account # XXXX XX/XX/XXXX Experian : XXXX XXXX Account # XXXX XX/XX/XXXX Experian : XXXX XXXX  Account # XXXX XX/XX/XXXX Experian : XXXX Account # XXXX XX/XX/XXXX Experian : XXXX XXXX Account # XXXX XX/XX/XXXX Experian : XXXX Account # XXXX XX/XX/XXXX Experian : XXXX Account # XXXX XX/XX/XXXX Experian : XXXX  XXXX XXXX Account # XXXX XX/XX/XXXX Experian : XXXX XXXX XXXX Account # XXXX XX/XX/XXXX