davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-17
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 am writing to express my deep concern and dissatisfaction regarding the handling of this attempt to remove fraudulent items. It is imperative to address this matter promptly and comprehensively to uphold the integrity and fairness of the process. Despite repeated attempts to remove fraudulent items, I am deeply troubled by the outcome of this multiple attempt. The persistence of these fraudulent items not only undermines the credibility of the process but also raises serious questions about the The failure to effectively address these issues casts doubt on the reliability of the process and erodes trust among participants. 

It is imperative to implement corrective measures urgently to enhance the effectiveness of future attempts and prevent the recurrence of similar issues. In conclusion, I trust that you will give due consideration to this matter and take decisive action to rectify the shortcomings observed during the XXXX attempt to remove fraudulent items. With this, I am asking for your assistance to remove the fraudulent items : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-27
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. (FL)

The inquiries listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These inquiries were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the inquiries removed from my file. 
XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX  XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX, XXXX XX/XX/year> XXXX XXXX  XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports. 
Credit Card Opened by the Thief Company or Organization : Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 
I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both.

Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police. 
XXXX, EQUIFAX, XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX HAVE FOLLOWING ACCOUNTS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Form SSA-89 was requested by me to the creditor as validation of applying for an account. The form should always be filled out by any creditor releasing credit to a consumer along with providing proof of a wet ink signature. Without that, it isn't valid and should be removed immediately. 
To my CONSUMER REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports.
Consumer complaint received 2024-05-17
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 XXXX, CA XXXX. My date of birth is XX/XX/XXXX and my Social Security Number 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 and addresses 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 XXXX, CA XXXX. 
FROUDULENT ACCUNTS! 
XXXX XXXX, XXXX Balance : {$3700.00} Balance updated : XXXX XXXX, XXXX Credit limit : {$3500.00} Account number : XXXX  Open/closed : Open Date Opened : XX/XX/XXXX Account type : Credit card FROUDULENT ADDRESSES! 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2023-11-18
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: EQUIFAX, INC. (TN)

I am a victim of identity theft. I have sent the paperwork according to the FCRA to the credit agencies. They have not responded and not removed the fraud from my credit report. And they are not attaching the paperwork to my disputes. 

The account is : XXXX XXXX
Consumer complaint received 2024-05-31
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. (NC)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-30
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. (IL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The report is showing that I owe {$590.00} to an apartment complex in some where, I have been living at my current location from last XXXX  years. Someone use my information and and now my credit report has a collection report on my report that causing my score is going down and I cant get things that I rightfully deserve.
Consumer complaint received 2024-05-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

EXPERIAN AND XXXX XXXX XXXX violated my consumer rights under code 15 U.S.C.1681c2. They allowed a debt to be furnished on my consumer report that I didn't give permission to, nor do I have any associations or contracts with this debt collector. XXXX XXXX XXXX ACCT # XXXX ... ... .IN THE AMOUNT OF {$810.00}. WHICH IS ALSO A MAJOR VIOLATION OF MY RIGHTS UNDER THE HIPPA LAW! MY INFORMATION ISNT TO BE SOLD WITHOUT MY PERMISSION. I WILL PURSUE THE FULL LIMITS OF PUNISHMENT THAT LAW WILL ALLOW!
Consumer complaint received 2024-05-31
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. ()

I discovered that some of the information in my credit report was incorrect when I looked into it. In accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), Experian, XXXX and XXXX must authenticate these items. ( A ). Treating these reporting items as unverified information without presenting evidence within the allotted legal time frame is unacceptable. Both 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) are mentioned. ( A ), kindly look at the following unverified items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-17
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. (CA)

I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury. This has caused defamation of character, which violates the fair debt collection practice act. I am not able to find a job or apply for credit under this crisis and your company has hurt my ability to obtain credit Under the law 15 U.S.C 1681 ( b ). You are also in violation of law 15 USC 1692 ( f ) ( g ). You are violating my rights. On XX/XX/2024 I sent a debt validation letter to XXXXXX/XX/XXXX as well as XXXX, XXXX, and Experian. I didn't receive a response back from XX/XX/XXXX and the credit bureaus.
Consumer complaint received 2024-05-17
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)

The Company reported my loan as 30 days late 3 times ( XXXX, XXXX, XXXX. ) on the report which it is not. The latest being for XXXX even though we are still in the month of XXXX. I contacted the Company and Bureaus to report it and it was verified by the Company. When I called XXXX they claimed they don't have a credit reporting department and therefore there was no one to talk to and to contact the Bureaus. It has jus been a back and forth...
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-17
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. (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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a 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 2024-05-17
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. (NJ)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-05-17
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. (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 XXXX Account Number:XXXX has violated my rights. Or a 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 2024-07-12
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MRS BPO, LLC (NC)

I have pulled a copy of my recent credit report and found a company by the name of MRS BPO LLC is reporting a debt in the amount of {$260.00}. I never received any notices from this company regarding this alleged debt, nor do i have any contracts with them, however they are reporting on my credit. MRS BPO LLC has damaged my reputation to the point where i can not get approved for credit. This Debt is being reported with out fairness and impartiality and is harming my ability to obtain credit.
Consumer complaint received 2023-11-17
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: EQUIFAX, INC. (PA)

Dear XXXX, I am writing to dispute an authorized hard inquiry that has appeared on my credit report on XX/XX/2023 by XXXXXXXX XXXX XXXX Delaware and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023. While I did provide consent for the inquiry in question, I have reason to believe that I did NOT benefit from this inquiry as I did NOT receive credit from this company. I kindly request that you investigate the circumstances surrounding this inquiry and take appropriate action to address my concerns. As a consumer, I understand my rights during commercial transactions, including credit reporting. According to the XXXX, an authorized hard inquiry should provide some form of benefit or advantage to the consumer. In this case, I believe that I did not receive any tangible benefit, service, or advantage from the party responsible for the hard inquiry, as required by the XXXX. I have reviewed my credit report thoroughly and have found no evidence of any benefit or advantage resulting from this inquiry. It is crucial to note that the XXXX requires a valid benefit or advantage in order for an authorized hard inquiry to be considered legitimate and compliant with the law. Please assist.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2024-07-12
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (PA)

I have received several call from an agency regarding a debt for a rent property the agency has stated calling to XXXX a debt on XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year>
Consumer complaint received 2023-11-18
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Army and Air Force Exchange Service (HI)

The Military Star Card is the most confusing and disorganized card I have ever used in 45 years of using credit cards. 
1. When promised a " first time use '' 10 % discount I had to call multiple times to get the correct credit. They said we don't give the credit until the product is delivered ( washer/dryer ) but yet gave me a credit for a gas purchase and claimed I'd already been given a credit. I spent 2 hours on the phone explaining this, 2. I put in a written complaint to dispute a charge for product I have yet to receive but was told they have 90 days to respond. In the meantime, Ive had to pay for the product.

3. I signed up for autopay and they charged me a {$15.00} fee because they said my bank refused the request, but yet I somehow had a credit for the bill I supposedly didn't pay.

4. After paying my bill and seeing a credit ( from the bill they said I didn't pay ) I asked for a refund of the credit ( {$67.00} ) but was told, " we don't see the credit on our end. but it appears on the customer 's website.

5. When I finally closed the card, I was asked if I wanted to take a survey, I did, but then the agent I was speaking to said the " survey system is down ''. Seems like a convenient coincidence.

6. There are a few other issues but I think you get the point. This card is directly marketed to military service men and women. If a 45 year veteran of credit cards is having problems, I am sure a young person who has less experience is having problems. I have had more problems and been on the phone more times with this card in 30 days then all other cards Ive had in a life time combined.
Consumer complaint received 2024-05-17
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 am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I have recently checked my credit report and have noticed some inaccurate accounts reporting. I am specifically speaking on my account with XXXX XXXX XXXX. It is showing 3 different dates that the account was opened, 3 different dates that the account was last reported, 3 different dates that the account was last active, and 3 different dates for the last payment.