davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-22
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. (IL)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the Credit Bureaus and still have yet to receive a response.
Consumer complaint received 2024-04-22
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. (MI)

I just looked at my consumer reports and noticed a late payment on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy as the Fair Credit Reporting Act clearly states. I have never been late on payments and did not provide written consent to report the account : XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. 

Please investigate and provide proof with statements showing that these payments were late and proof that I authorized the reporting of this information. If proof can not be provided, I demand these payments to be updated to on time as they should be as I was never late.
Consumer complaint received 2024-04-22
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. (TX)

I understand the importance of removing any inaccurate accounts from my credit report as mandated by FCRA 605B. Could you please take a look at the documents? I've noticed several accounts listed that seem to be incorrect, and this is concerning for me.
Consumer complaint received 2024-04-22
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. (FL)

I reviewed my consumer reports and noticed that i had late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of : 2024 Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. I dont believe I was 30 days late from the due date, please investigate and provide me proof for that too.Thanks! Please see screenshots attached :
Consumer complaint received 2024-02-01
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)

I have 2 issues I have reported to sezzle that this account doesnt belong to me and that it was fraudulently opened. But they only closed the account at first. Then it was removed off of all 3 credit reports and few days later they wanted to report again a closed account that doesnt even belong to me. SO AGAIN ACCORDING TO THE FCRA I DID NOT GIVE PERMISSION FOR MY INFORMATION TO BE USED TO OPEN THIS ACCOUNT LET ALONE GIVE WRITTEN CONSENT FOR THIS ACCOUNT TO BE REPORTED ON MY CREDIT REPORTS!!! IT NEEDS TO REMOVED AT ONCE OR ILL WILL BE SUEING BOTH THE CREDIT BUREAUS AS WELL AS SEZZLE. THIS IS CRAZY AND RIDICULOUS I LET YOU KNOW THE LAW YOU ARE VIOLATING AND YET THEY REFUSE TO DO THEIR JOB
Consumer complaint received 2024-04-22
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 understand that according to FCRA 605B, it's vital to remove any inaccurate accounts from my credit report. Could you please review the documents? I've noticed that many of the listed accounts seem to be incorrect, and this is concerning to me.
Consumer complaint received 2024-02-13
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: EQUIFAX, INC. (CO)

For well over a year, I am unable to log into myequifax.com to manage a security freeze or lock, view my report, or get any access to my information. I have called called Equifax regarding this issue and was placed on hold while they attempted to resolve. Never got fixed. I am concerned about my own access to my credit report that I monitor diligently and what is by law information I should be able to secure and view.
Consumer complaint received 2024-07-14
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. (MD)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with EXPERIAN XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( XXXX ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-04-22
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 am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-04-22
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. (AL)

I CALLED SEVERAL TIMES AND COULD NOT GET A HOLD OF THE RIGHT DEPARTMENT AND WAS TOLD THAT ACCOUNTS WERE CLOSED AND THAT NOTHING IS BEING REPORTED ON MY CREDIT REPORT. I EXPLAINED THAT THERE IS SOMETHING NEGATIVE ON MY CREDIT REPORT. I GAVE THEM MY INFORMATION AND THEY CLAIMED THEY DIDNT FIND ANY NEGATIVE ACCOUNTS.
Consumer complaint received 2024-04-22
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. (FL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 
This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Also, I was never disclosed of ALL three of my Opt-Out disclosures which states a financial institution may not disclose nonpublic personal information to a nonaffiliated third party under 15 U.S. Code 6802 unless all three disclosures were satisfied but they were not.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (CA)

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

XXXX XXXX by the IRS** XXXX - The IRS generally XXXX canceled or forgiven debt as taxable income. According to IRS regulations ( IRS Publication XXXX ), canceled debts are generally includible in gross income. XXXX XXXX XXXX XXXX  : - The relevant tax law governing canceled debt is outlined in the Internal Revenue Code ( IRC ) Section XXXX ( a ) ( XXXX ). This section states that gross income includes income from discharge of indebtedness. The CRA 's have violated my consumer rights with illegal and improper reporting causing EXTREME DAMAGE to my accounts ( Estate ). This XXXX, that is what it is PERIOD, coupled with the illegal XXXX XXXX XXXX and XXXX XXXX XXXX of sharing PRIVATE and PERSONAL information ILLEGALLY obtained has injured my PERSON and the individual Agent/Accommodation party
Consumer complaint received 2024-04-22
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)

Despite my persistent efforts, I've been unable to resolve these issues. Enclosed is a copy of the letter I previously sent to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to emphasize the importance of this matter to me. Should you choose to ignore my original request, which was sent via certified mail, I will not hesitate to escalate the matter to the Federal Trade Commission. I urge you to conduct a thorough review of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Failure to do so will compel me to demand the immediate removal of these items from my report.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NH)

I just pulled a copy of my credit report and I noticed my personal information is being inaccurately reported and I need you guys to modify and update my information. Lenders are having a hard time verifying who I am because of the information you guys have of me. According to the Law, it is required that you report correct personal information within my consumer report, and it must be deleted and/or updated within my credit file, or you are willfully violating the civil liability section of the Fair Credit Reporting Act, 15 U.S. Code 1681n.
Consumer complaint received 2024-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I was deceived into opening a new debit card account and transfer on XX/XX/2024. But the person who convinced me to open this account used the digital debit card off of my XXXX to send himself and people in his family money. XXXX XXXX and XXXX XXXX. I did not authorize this. The amounts of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I went to the XXXX XXXX XXXX  Police because this happened on campus. XXXX XXXX they said the bank can contact the police and they should reverse the charges. I opened this dispute over 30 days ago.
Consumer complaint received 2024-04-22
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. (NC)

I am requesting an immediate attention to the following accounts that continue to appear inaccurately on my credit report : XXXX. XXXX XXXX - Acct # : XXXX XXXX. XXXX ( XXXX XXXX : XXXX XXXX ) - Acct # : XXXX XXXX. XXXX XXXX  ( Original Creditor : XXXX XXXX  ) -Acct # : XXXX They were already deleted in XXXX back in XXXX of this year. i have attached proof on my letter. I've been communicating with XXXX and Experian to deal with this matter, reinvestigate it further and remove accordingly but they tend not to hear my plea.
Consumer complaint received 2023-09-16
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. (TN)

You are in direct violation of the fair credit reporting act ( Account name & number # ) has violated my rights. 
15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states that a consumer reporting agency can not furnish an account without written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.
Consumer complaint received 2023-08-09
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: EQUIFAX, INC. (AL)

There are FRAUDULENT items ( XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) and UNAUTHORIZED/FRAUDULENT inquiries ( XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ) on my credit report. I do not have any idea regarding these fraudulent accounts on my credit report. I am not the one who initiated these inquiries. I am submitting a complaint regarding them and for assistance to REMOVE them from my credit report immediately.
Consumer complaint received 2024-04-22
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. (CO)

I am trying to purchase a house, I realized that I had damages on my credit report. According to the 15 US 1666b there should not be any damages on my report its a defamation of character.
Consumer complaint received 2024-04-22
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)

I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2024-04-22
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)

As a federally protected consumer I have multiple inaccuracies, 15 USC 1681. reporting to the XXXX major Credit Bureaus XXXX XXXX XXXX Experian and XXXX XXXX I have reached out to all said corporations and agencies documented on this consumer complaint document, for the last XXXX months XXXX to XX/XX/XXXX and as far back as XX/XX/XXXX with several registered letters. I have been ignored and the emotional and financial stress it has applied to my life has limited my ability to live a safe, healthy, and prosperous life. I have been consistently denied essential necessities such as credit, automobiles, and loans due to the consumer abuse of the agencies and corporations alike. My life and ability to function sufficiently has been severally damaged because of these illegal actions, I can not get anything. My identity has been stolen and used inappropriately 5 USC 522a. 
PRIVACY ACT OF 1974 My non-public personal information has been shared with third party companies and agencies such as XXXX, Experian and XXXX. 15 USC 6802 6805 The limits on disclosure of nonpublic personal information to nonaffiliated third parties-16 CFR 313.10
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (OK)

XX/XX/XXXX Experian notified me that my mortgage XXXX XXXX  company was in arrears. 
This dropped my credit score. 

I immediately contacted XXXX  and was informed that this is an error on Experian 's end. I have documentation from XXXX  to confirm this. 
I tried reached out to Experian via phone, but the artificial intelligence answering machine will not transfer me to a customer service rep no matter what time of day I call. 

I have attempted to call daily since XX/XX/XXXX In addition, there is no where on the website to email someone for assistance. 

How am I supposed to resolve this when there is no one at Experian to contact? 

This is having a negative impact on my Credit score. 



Below is the message I got regarding my account being delinquent : XXXX  XXXX  XXXX has flagged your account as XXXX  Days Past Due. 

XXXX XXXX XXXXXXXX has flagged your account as XXXX  Days Past Due on XX/XX/XXXX. 

Source : Experian XXXX : XXXX XXXX XXXXXXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( XXXX  Days Delinquent )
Consumer complaint received 2024-07-16
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. (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 Account Number : XXXX 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 2024-04-23
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 formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX
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: Westlake Services, LLC (CA)

West lake Service Incorporation pull my credit on XX/XX/XXXX, XXXX resulting on a hard inquiry. 
I did NOT AUTHORIZE this and its now showing up on my credit. I think it maybe fraudulent activity.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Experian failed to add my points back from when they removed XXXX points for the removal of my old student loan XXXX XXXX that was an error ( it was removed in good faith In 2019. It recently appeared back on there. Well Experian has the letter from XXXX XXXX stating the error and to remove. Experian removed but took almost XXXX points from my XXXX XXXX. My complaint today is they have put my XXXX  loan back on my report as debt. At this point I want to file lawsuit! Im XXXX  because of these errors and intentionally malice! I pay my debt off- get errors removed and accts closed and they penalize me again. As a citizen of this great US I have rights that protect me from incidents like this. This has put a big strain on my life and my children- they are in school and we had to move to hotel! Im angry and hurt that a system that was supposed to be built to help is hurting and destroying me the most! This is unfair unjust and by the FCRA- against the law!