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

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the inaccurate reporting of a bankruptcy on my credit reports, which is in violation of consumer protection laws. 

Upon reviewing my credit reports, I discovered that there is a bankruptcy notation inaccurately listed. This erroneous reporting has significantly impacted my ability to access credit and has caused undue distress. As a consumer, I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the Equal Credit Opportunity Act ( ECOA ). 

Under the FCRA, consumer reporting agencies are required to maintain accurate and up-to-date information in consumer credit reports. Furthermore, the FCRA mandates that consumers have the right to dispute inaccurate information and request an investigation to correct any errors. The inaccurate reporting of a bankruptcy on my credit reports directly violates these provisions. 

Additionally, the ECOA prohibits creditors from discriminating against applicants on the basis of bankruptcy status. By inaccurately reporting a bankruptcy on my credit reports, the creditor in question is potentially violating this law by using misleading information to assess my creditworthiness.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I have submitted information regarding my identity theft, Ive also request a block on my credit report XXXX have refused to do it. I also disputed fraudulent accounts on my report and if they came back as verified I ask for them to send the information they use to verify that it is accurate they also have not done that. Im asking for them to remove the fraudulent accounts from my credit report.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I attempted to apply for credit and was denied, I was told to look over my credit report and if you find andy discrepancies to file a police report. I found two ( 2 ) unauthorized accounts on my credit report that has been reporting as collections two ( 2 ) CREDIT CONTROL SERVICE I've tried disputing these accounts and they can not provide me with any evidence or documentation that I had these accounts.

I have items on my consumer report that are a result of Identity Theft and not made by any transaction related to me There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am, in fact, requesting this block on behalf of myself.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Description of the Issue : I am writing to file a formal complaint against XXXX XXXX, a creditor, for inaccurate reporting of negative information to the credit reporting agencies. I believe their actions are in violation of the Fair Credit Reporting Act ( FCRA ) and other relevant statutes. I request your assistance in investigating this matter and ensuring the accurate reporting of my credit information. 

XXXX XXXX has reported a late payment on my credit report for the date mentioned above, which I dispute as inaccurate. I have attached supporting documents, including payment receipts and account statements, which demonstrate that the payment in question was made on time. Despite my efforts to rectify this error with XXXX XXXX, they have not corrected their reporting to reflect the accurate payment history. 

Laws and Statutes Violated : 1. **Fair Credit Reporting Act ( FCRA ) : ** XXXX XXXX 's inaccurate reporting violates the FCRA XXXX which requires creditors to furnish accurate and complete information to credit reporting agencies ( 15 U.S.C . 1681s-2 ).

2. **FCRA Section 611 : ** This section grants consumers the right to dispute inaccurate information on their credit reports and requires credit reporting agencies to conduct a reasonable investigation ( 15 U.S.C. 1681i ).

3. **FCRA Section 623 : ** This section mandates the maximum possible accuracy of consumer reports and imposes obligations on data furnishers to provide accurate information ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ).

4. **FCRA Section 616 : ** This section outlines the responsibilities of furnishers of information to correct inaccuracies in their reports ( 15 U.S.C . 1681n ).
Consumer complaint received 2024-05-10
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. (NY)

There is one inquiry on my credit report that I did not authorize. However I felt it wise to send a letter, opting out of any and all consent to this company in the following attachment. 
As a result, Experian needs to remove this inquiry in the following attachments from my credit report immediately.
Consumer complaint received 2024-05-10
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)

According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I have been reviewing my credit report on XXXX agencies. Through my research and investigation, I have noticed that there are many inaccuracies and incomplete information. However, to be fair to me as a consumer, this inaccurate and incomplete information has had a negative effect on me being able to be approved for creditors. Having negative, inaccurate, and incomplete information has contributed to my denial of credit. In addition to having information on my report for closed accounts and too many addresses. As a consumer, I request that the following inaccurate, incomplete, old addresses and closed accounts be removed from my profile. Also, there are XXXX inquiries from XXXX at the end of this document that needs to be removed. As per 15 USC 1681 ( I ) ( 5 ), I am sending this request and supporting documentation.
Consumer complaint received 2023-11-09
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: Experian Information Solutions Inc. (NJ)

I had started a free trial of Experians Creditworks Premium membership on XX/XX/2023. I proceeded to cancel it on the same day due to the fact that I didnt really see it as much help. Its a 7 day free trial and I cancelled it on the first day. I proceeded to get charged ( {$27.00} ) for a month of the membership the following week. I called to ask why I was charged and was told that my account had been downgraded the same day as I got billed. Id still have the services of the Premium membership for 30 days but that I wouldnt get charged next month.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

CRA Experian has failed to enter required Notice of dispute, is now in violation of FCRA section 623 ( a ) ( 3 ) DUTY to provide Notice of Dispute. On my credit report, after I have submitted disputes for inaccurate information on my report.
Consumer complaint received 2023-11-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (WA)

Advantage is threatening default. Aidvantage was not authorized to change my repayment plan. Advantage is needlessly harassing me. My loans may be over the XXXX  year mark and ready for deletion. Aidvantage put me on hold over XXXX hour and did not pick up. Aidvantage needs to put me back on my prior repayment plan and send me detailed information on the date of my loans. Aidvantage needs to be held accountable for unauthorized changes to my student loan repayment plan.

Plus Student Federal Aid flat out refuses to let me log in to my Federal Student Account I have contacted them numerous times and got nowhere.

This is all student abuse and they both need to be held accountable.
Consumer complaint received 2023-11-09
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. (NY)

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 issues from above.
Consumer complaint received 2021-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

On XX/XX/2021 I opened a dispute with Transunion regarding information being incorrectly presented in my credit report. The account in question was an account from XXXX XXXX XXXX XXXX which was showing as Charged off, with balance due in full. This account had been paid down thru a Collection Agency after being negotiated, but this was not showing on the report. Less that 4 hour later I received notification that Transunion had resolved the problem by deleting the account. However, by deleting and not fixing the information as requested they impacted by Credit Score by XXXX points ... a drop of XXXX points! To this day Transunion has not been able to provide a proper explanation as to why this happened, even thou they indicated it should not have happened ... the account they deleted was a derogatory account which pulled down my score!!! 
You can imagine the potential financial impact the action taken by Transunion could have on any loan, credit card, and job search I decide to embark, which is why I need this resolved ASAP. I worked hard to get my credit in check and to improve my score just to have Transunion throw away all that effort with their mistake
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I recently reviewed a copy of my credit report. It indicated that a credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-09
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 appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$910.00}.
Consumer complaint received 2023-11-09
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. (NC)

I sent a letter regarding inaccurate & unknown things on my credit report. To this day I have not received a response yet. I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Under 15 U.S Code 1602 ( p ) - unauthorized use of my information. Under 15 U.S Code 1692j - Furnishing certain deceptive forms i am not participating in the collection of this alleged debt. Please cease and desist! So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken. My information was also impacted by the XXXX data breach & may have got into the hands of the wrong person.
Consumer complaint received 2023-11-09
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. (PA)

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 2023-11-09
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. (NY)

For months I have been disputing a few accounts on my credit report that are reporting inaccurately and all the credit bureaus have been doing is stalling me out, they either tell me it has been verified and when I asked how was these items verified I have yet to hear back from them and its been well over 60 days or the tell me they weren't sure if it was me sending the disputes another stalling method I have sent the dispute with a cover letter, notarized along with proof of address and identification.

I will attach my credit report you will see the clear errors.

from my DOB, Balances, Dates Open & Closed, Account Status, Payment History Etc Etc.
Consumer complaint received 2021-04-15
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Toyota Credit De Puerto Rico Corp. (PR)

On XXXX and XX/XX/2019 I had two late payment in my auto loan with toyota credit PR. Before that and until now I have always pay on time and I have been responsible. During that time I had a life changing situation that cost me a lot of money. Before and after that I have always pay on time. This two late payment is affecting my credit score big time. Can you please consider removing both late payment on my auto loan? I Have always been a great customer and I will never pay late ever again. I am working on getting another toyota for my son senior graduation and removing both late payments on my loan will help me get approve. Thanks for your help.
Consumer complaint received 2021-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (PR)

On XX/XX/2019 I had one late payment in my credit cards with Sears CBNA. Before that and until now I have always pay on time and I have been responsible. During that time I had a life changing situation that cost me a lot of money. After that I have always pay on time. This one late payment is affecting my credit score big time. Can you please consider removing this one late payment on my card? I Have always been a great customer and I will never pay late ever again. I am working on getting a new car and removing this late payment on my card will help me get approve. Thanks for your help.
Consumer complaint received 2023-11-09
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly 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
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (DE)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, DE XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX : - Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$3600.00} Date Opened : XX/XX/XXXX XXXX  XXXX XXXX Balance : {$410.00XXXX XXXX XXXX XXXX Balance : {$1800.00} Date XXXX XXXX XXXX Balance : {$6800.00} Date XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1300.00} Date XXXX XXXX XXXX Balance : {$3600.00} Date Opened : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN BUSINESS CRED XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-11
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)

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX Balance {$12000.00}
Consumer complaint received 2023-11-09
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. (NY)

For months I have been disputing a few accounts on my credit report that are reporting inaccurately and all the credit bureaus have been doing is stalling me out, they either tell me it has been verified and when I asked how was these items verified I have yet to hear back from them and its been well over 60 days or the tell me they weren't sure if it was me sending the disputes another stalling method I have sent the dispute with a cover letter, notarized along with proof of address and identification. 
I will attach my credit report you will see the clear errors. 
from my DOB, Balances, Dates Open & Closed, Account Status, Payment History Etc Etc.