davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

There's addresses need to be removed from credit profile I am not connected to these addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-04-13
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)

I am submitting to follow up on my previous complaint about fraudulent activity on my credit report. After filing an identity theft report with the Federal Trade Commission ( XXXX XXXX XXXXXXXX ), I am requesting the removal of unauthorized inquiries listed below, per Section 605B of the Fair Credit Reporting Act ( FCRA ), reference number XXXX. Attached are the necessary documents to support this request. Please find the unauthorized inquiries as reported by each credit bureau : : EXPERIAN : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -- -- -- -XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ), credit reporting agencies must remove any fraudulent entries from a consumer 's file within XXXX business days of receiving a notification.
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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

Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or 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 2024-04-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (MA)

I am writing to dispute the validity of the alleged debt associated with the account referenced above. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), I am requesting verification and validation of the following information : 1. The name of the original creditor of this account.

2. The amount of the alleged debt.

3. The methodology used to calculate the amount of the alleged debt.

I am requesting this information within the statutory time frame provided by the FDCPA to ensure the accuracy and legitimacy of the debt being pursued. Furthermore, I would like to emphasize that providing statements of a credit account does not suffice as proof of the creditor 's identity. I am aware that impersonating a creditor is a federal crime, and I expect full compliance with federal regulations regarding debt collection. 

Account Information : Account Name : XXXX XXXX  Account Number : XXXX Account Type : Debt Buyer Date Opened : XX/XX/XXXX Status : Collection account, {$3900.00} past due as of XX/XX/XXXX Balance : {$3900.00} ( as of XX/XX/XXXX ) Original Creditor : XXXX XXXX Payment History : Please refer to the attached payment history for further details. 

I request that you cease all collection activities until the requested information has been provided and the validity of the debt has been verified. Additionally, I demand that if you fail to provide the name of the original creditor as well as the other requested information, this account be removed from my consumer reports immediately.
Consumer complaint received 2023-12-30
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. (CA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected. 
XXXX XXXX XXXX Balance : {$11000.00}.
Consumer complaint received 2023-12-30
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 would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$9500.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-20
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Central Portfolio Control Inc. (NC)

On XXXX XXXX  XXXX  EST Central Portfolio Control under phone number ( XXXX ) XXXX messaged my dads number ( XXXX ) XXXX ; this message contained a link, confirmation number of the debt and a statement acknowledging that they are debt collector. I found this immediately disturbing as they never even attempted to contact me first, since the message contained my legal name. My phone number is ( XXXX ) XXXX. 

This is inexcusable behavior from any debt collector. My dad could have pretty much accessed my debt at any time but he chose to ask me first ; I told him to delete the message because it doesnt relate to him. 

This is in clear violation of the Fair Credit Reporting Act as this company deliberately attempted to display collection activities related to my closed account towards in another family member without my knowledge.
Consumer complaint received 2024-04-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (MA)

I am writing to dispute the validity of the alleged debt associated with the account referenced above. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), I am requesting verification and validation of the following information : 1. The name of the original creditor of this account.

2. The amount of the alleged debt.

3. The methodology used to calculate the amount of the alleged debt. 

I am requesting this information within the statutory time frame provided by the FDCPA to ensure the accuracy and legitimacy of the debt being pursued. Failure to provide this information may result in further actions on my part to rectify this matter. 

Account Information : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Debt Buyer Date Opened : XX/XX/XXXX Status : Collection account, {$1100.00} past due as of XX/XX/XXXX Balance : {$1100.00} ( as of XX/XX/XXXX ) Original Creditor : XXXX Payment History : Please refer to the attached payment history for further details. 

I request that you cease all collection activities until the requested information has been provided and the validity of the debt has been verified. Additionally, I am requesting that any negative reporting associated with this account be suspended until the dispute is resolved in accordance with the law. 

Please provide the requested information to the address listed above at your earliest convenience. If you are unable to verify the debt, I expect the immediate removal of this account from my credit report.
Consumer complaint received 2024-07-30
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)

Today, I discovered unauthorized inquiries on my credit report without any clear reason. During my routine check, I found these discrepancies and tried refreshing my browser, but the inquiries stayed. I'm requesting a thorough review of the documents I've sent to avoid any future worries about this.
Consumer complaint received 2023-12-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA (VA)

My account was automatically changed ( without my applying or request ) from a income-driven repayment plan to a standard repayment plan. I am a XXXX XXXX making $ XXXX and being told I need to pay $ XXXX. I have had XXXX separate pending applications for over 3 months to revert back to an IDR plan that is affordable. Applications have not been processed. I have called and emailed multiple times to try and get clarity on what is happening and see if I can speak with someone who can help figure out what the delay is. I'm met with a customer service agent reading a script telling me " it can take up to 60 days to process '' despite it now being over XXXX months. No one can help me, no one seems to know who to talk to to figure out how to solve the issue, and instead I am left with a bill I can not pay despite never requesting the payment type change. I truly am exhausted not knowing how else to advocate for myself and what additional routes can be taken. This is not a unique story to me, unfortunately.
Consumer complaint received 2023-12-30
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. (CA)

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 violate the Fair Credit Reporting Act XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance XXXX {$46000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.

"
Consumer complaint received 2023-12-30
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)

my information was sold and bought illegally because i was a victim of the XXXX data breach. i want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that i was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 
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 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Eastern Account Systems of Connecticut, Inc. (PA)

This bill was put into my name and incorrectly reported on my credit report. I have notified the company as such to no response. I advised them per XXXX code XXXX, they involved a credit collection agency and I did not agree and do not want communication with said company EASTERN ACCOUNT SYSTEMS. I have written them to let them know the debt is not mine and I do not wish to communicate further.
Consumer complaint received 2018-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX XXXX XXXX XXXX keeps updating a charged off account for a vehicle loan. The loan is over 7 years old and they are updating it as though it's a new account. I know that there are legal limits as to how long a company can keep reporting a negative account. It is not legal for a company to sale your account as though it was new in order to keep reporting, nor can they update it each time you contact them. I have had the same or similar problem with XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX as well as other accounts. This must be the new game in town. Please advise on how I can permanently have these accounts removed ASAP, never to return. What are my legal recourses if they do not comply?
Consumer complaint received 2024-04-25
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Post Lake Lending Inc. (PA)

I had no idea that the interest rate would be like this. It is a XXXX dollar loan taken out in XXXX. They took XXXX every other week. And my balance is almost XXXX. Then they were taking from my bank account with different names and check sequence. XXXX going through a bankruptcy and they def already got paid back twice. They should be ashamed taking advanced of a XXXX XXXX veteran
Consumer complaint received 2023-12-26
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. (OK)

I tried calling and kept getting hung up on. An account was opened based on my TransUnion and XXXX account, for XXXX XXXX XXXX. It reads I have a XXXX balance on a card with a XXXX limit. I have no recollection of this account. It reads it is a XXXX XXXX opened on XX/XX/2022.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2023-12-30
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)

These fraudulent entries have had a profoundly negative impact on my credit score, making it difficult for me to access credit, obtain loans, and even secure employment opportunities. I have followed all the appropriate procedures for disputing these fraudulent items, including submitting supporting documentation and adhering to the regulations outlined in the Fair Credit Reporting Act. Despite my repeated efforts, the fraudulent items persist on my credit report, and no corrective action has been taken. I am deeply concerned about the harm this situation is causing to my financial well-being and overall quality of life. I have attached copies of all my correspondence, dispute letters, and supporting documentation to this complaint for your reference. I expect a thorough and prompt investigation into this matter to remove the fraudulent items from my credit report. I kindly request that you provide me with a written response detailing the results of your investigation and the actions taken to rectify my credit report within 30 days of your receipt of this complaint, as required by the Fair Credit Reporting Act. In addition to the removal of these fraudulent entries, I also request that the credit bureau furnish a written statement detailing measures taken to prevent such fraudulent items from reoccurring in the future. This is crucial to ensure the protection of my credit and to prevent others from experiencing similar hardships. I am fully willing to cooperate and provide any additional information or evidence required during the investigation process. Failure to address this matter in a satisfactory manner will leave me with no choice but to pursue legal action to remove these fraudulent items and seek damages for the financial harm inflicted upon me. 

I am deeply troubled by the continued presence of fraudulent items on my credit report, despite my numerous attempts to rectify the situation. I trust that the Consumer Financial Protection Bureau will conduct a thorough investigation into this matter and take the necessary steps to promptly remove these inaccuracies. I am asking for your assistance to remove the following fraudulent items in my credit report : XXXX XXXX XXXX XXXX Balance : XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX XXXX XXXX : {$2200.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXXXXXX XXXX XXXXXXXX, DE XXXX XXXX. XXXX XXXX XXXX XXXX Opened XXXX. XXXX XXXX Balance {$240.00} XXXX. XXXX XXXX XXXXXXXX XXXX Balance : {$680.00} XXXX. XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXXXXXX Inquiry : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX.
Consumer complaint received 2023-12-30
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. (MD)

I am doing business with a company called XXXX. I have been using them for XXXX years or more. I usually great about on-time payments and paying off accounts early. A few months back, I stopped making my payments. Not because I didn't have the funds. But because I was in the hospital for XXXX and then came out only to suffer from XXXX. During this time, XXXX did not reach out to me to get the account resolved. They could have sent me a letter or an email. But they sent nothing. They automatically marked my account as a late payment. I filed several disputes with Experian over this matter because XXXX is XXXX of their options to explain why your payments are late. The credit agency is not properly handling my disputes and simply close them out as quick as they get them. I would like help with getting my late payments removed from my credit report by holding the Experian agency accountable for the XXXX  option that they have on their website. I even called XXXX  and told them I had XXXX and I had XXXX. I had no way to pay because I was under XXXX XXXX XXXX  with no way of knowing what the outcome will be. The XXXX company is breaking laws by not giving out notices. And Experian is not treating my disputes fairly.