davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-16
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 name is XXXX XXXX and I currently reside at XXXX XXXX XXXX XXXX XXXX, CA XXXX. My date of birth isXX/XX/XXXXand my Social Security XXXX is XXXX. I am writing to you regarding a few discrepancies I have encountered in my credit report. I am a victim of identity theft and I need your help to remove these fraudulent accounts and addresses from my credit file. While checking my credit report, I noticed accounts, I did not authorize made by the following that I will be listed below. I did not authorize any of these employers/employees at these companies to approve or view my credit report. This is a serious breach of my privacy rights and violates the Fair Credit Reporting Act 605B. I would like to request that these accounts be immediately removed from my credit file that Experian has under my Social Security Number. I am requesting that you place an immediate block on the following fraudulent information in my credit file within 4 days of receipt of this correspondence. Please block this fraudulent information per section 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. My address is not being reported. Add my current address to my credit file. My current address is XXXX XXXX XXXX XXXX XXXX, CA XXXX. 
FROUDULENT ACCOUNTS! 
XXXX XXXX XXXXXXXX Balance : {$650.00} Balance updated : XXXX XXXX, XXXX Credit limit : {$2400.00} Account number : XXXX Open/closed : Closed Date Opened : XX/XX/XXXX Account type : Credit card XXXX  Balance : - Balance updated : - Credit limit : {$750.00} Account number : XXXX Open/closed : Closed Date Opened : XX/XX/XXXX Account type : Charge Card FROUDULENT INQUIRYES! 
XXXX XXXXXXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX FROUDULENT ADDRESSES! 
XXXX XXXX XXXX XXXX XXXX, CA XXXX FROUDULENT EMPLOYERS! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-15
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 to express my deep dissatisfaction and concern regarding a persistent issue related to my credit accounts with XXXX XXXX. Specifically, I have encountered multiple attempts to tie up an account that is correctly reported as open with 3 credit bureaus but inaccurately reported as a collection account with another credit bureau. 

This situation has caused considerable confusion, stress, and damage to my creditworthiness, and I am seeking your immediate assistance to rectify these discrepancies. 

XXXX XXXX XXXX Date Opened XX/XX/ Balance : {$0.00} - Tied Up Issue Description : One of my XXXX XXXX credit accounts is correctly reported as open and in good standing in other Credit Bureaus, as reflected in my credit report. However, this same account is erroneously reported as a collection account, as shown in my credit report. This inconsistency has severely impacted my credit score, making it challenging for me to secure favorable credit terms and loans. 

I have made multiple attempts to resolve this issue by contacting XXXX XXXX 's customer service, providing documentation and proof of the account 's open status, and requesting that the accurate information be reflected on all credit bureaus ' reports. Despite my efforts, the issue persists, and my credit profile continues to be adversely affected. 

I believe that this situation not only violates the Fair Credit Reporting Act ( FCRA ) but also reflects negatively on XXXX XXXX XXXX commitment to providing accurate and reliable credit reporting. 


To address this issue promptly and to ensure compliance with the FCRA, I kindly request the following actions : Investigate and verify the accuracy of the account information reported to credit bureaus, particularly the discrepancy between the Credit Bureaus. 

Correct the reporting error with 3 Credit Bureaus to reflect the accurate status of the account as open and in good standing.

Provide written documentation of the results of your investigation, including confirmation of the correction made withCredit Bureaus. 

Notify the Credit Bureaus and other relevant credit reporting agencies of the corrected information to ensure uniform and accurate reporting across all credit reports. 

Ensure that this issue does not recur in the future and implement measures to prevent similar inaccuracies in credit reporting. 

Failure to address this matter promptly and in accordance with the FCRA may compel me to seek legal remedies to rectify these inaccuracies, including pursuing damages for any harm caused to my credit profile and personal finances. 

I have enclosed copies of relevant documents, including credit reports. I kindly request for your assistance to correct this account in good standing.
Consumer complaint received 2023-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX Balance Owed : {$18000.00}.
Consumer complaint received 2023-09-15
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: EQUIFAX, INC. (FL)

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 this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX Balance Owed : {$18000.00}.
Consumer complaint received 2024-08-02
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)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.
Consumer complaint received 2023-11-06
Product: Debt collection — Private student loan debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: HEARTLAND PAYMENT SYSTEMS INC (NY)

ECSI has been aggressively sending bills and threats to my house address without explaining any specific options to me for my loan type specifically. They currently ignoring the matter as they do not have proper master promissory note for the full XXXXXXXX XXXX  amount from me and they refuse to communicate or provide a copy. They just send bills. They said that my loans are private and does not have any options, but they offered 1 federal deferment option and directed me to fill out a form that clearly stated federal perkin loan deferment ( In this case I have to be working and not make money ) which is not my case. There is no other deferment options available to me they are pushing for heavy payments that I can not afford without proper terms, conditions and without a master promissory note. Their loans is invalid untill they have a clear master promissory note by me which they do not have and they refuse to provide. All their loans is invalid.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

The account was included in bankruptcy Case XXXX XXXX XXXX of Texas and discharged on XX/XX/2023 ; they are still reporting adverse history and should report nothing but included in bankruptcy. No other information should be reported on the account. That was the purpose of the bankruptcy. 

This incorrect information is causing me harm, impacting my credit score, and can potentially cause foreseeable financial loss, damages, and injury. If the information is not updated, I will see the total damages allowable by the State of Texas, and there is no current state damages cap for this type of financial damage.
Consumer complaint received 2023-09-15
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)

This is my six 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX XXXXBalance : {$12000.00} XXXXXXXX XXXX XXXX  XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$8700.00} XXXX XXXX XXXX XXXXXXXX : {$14000.00} XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXX  XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX Original creditor XXXX XXXXXXXX XXXX XXXX  XXXX XXXX : {$17000.00} XXXX XXXX Original creditor XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : {$25000.00} XXXXXXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, 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)

While looking at my credit reports I have noticed the following account has discrepancy in the " payment history '' section of the listing : XXXX XXXX XXXX The charged off account is reporting payment history each month when it should since the account has been charged off. This is falsely manipulating the statute of limitations which is FCRA violation. 

Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please " DELETE '' this item immediately : XXXX XXXX  XXXX When the requested above deletions are made, please mail me an updated copy of my credit report.
Consumer complaint received 2024-07-12
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. (GA)

I have made several attempts to request deletion regarding these inquires on my account. I was attempting to reach out to XXXX for assistance. I used the number on XXXX, however, it was a scam. The caller made me download XXXX and took control of my phone. I verified my ssn thinking it was XXXX assisting me. They took my ssn and ran things in my name. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-16
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. (IL)

XXXX XXXX XX/XX/year> ALLY FINANCIAL XX/XX/year> XXXX OF XXXX XX/XX/year> CAPITAL XXXX AUTO FIN XX/XX/year> XXXX BANK XX/XX/year> 2023
Consumer complaint received 2024-05-19
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. (GA)

I just recently looked at my Experian report on XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-16
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. (MD)

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. 
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 2023-08-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MA)

I am working toward XXXX XXXX XXXX XXXX ( XXXX ). In XXXX of XXXX my student loans were automatically transferred to XXXX XXXX XXXX. When XXXX XXXX became the servicer of my loans an error occurred during the process. My status was erroneously changed to " In School '' despite me not being enrolled in any educational program during that period. This incorrect status remained in effect from XX/XX/XXXX to XX/XX/XXXX. Throughout this time, I continued making monthly loan payments while working full-time for a qualified non-profit employer, with the sincere belief that I was on track to qualify for XXXX. Due to this status error, my eligibility for XXXX has been severely delayed. I should have been eligible for loan forgiveness in XXXX of XXXX, having met the crucial criteria of making XXXX payments and fulfilling the employment requirements for XXXX. However, this status error has hindered my progress, and I find myself unable to qualify for XXXX on the timeline I rightfully should be eligible for. 

I have made diligent efforts to resolve this issue with written communication and documentation provided to XXXX, Mohela, and XXXX. None of these actions has resulted in a resolution.
Consumer complaint received 2023-09-15
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. (NJ)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX 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 2023-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

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 items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-15
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)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

On XX/XX/23 I pulled my credit report and discovered that there was all kinds of outdated and incorrect personal information on there. I sent a letter to the 3 bureaus to remove it and they did not do it in the 30 required days. Here is what I sent to all 3 : Dear Consumer Department : I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. If you would please be so kind as to delete this inaccurate information from my credit profile within the next thirty days, I would greatly appreciate it. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is XXXX XXXX. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

Thank you, in advance, for honoring my requests. Its my understanding that you have up to thirty days to follow through on my request so if I dont receive any updates from you within that time frame, then I know that these inaccuracies must be removed automatically. Once you have removed the inaccurate information I would like my full completed and corrected credit reportshowing these changes mailed to XXXX XXXX XXXX XXXX XXXX XXXX