davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

i disagree with the account listed below which still appears on my credit report, i would like this item immediatly re-investigated, the inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX XXXX XXXX in accordance with the fair credit reporting act, public law 91-506, tittle VI, subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that i may follow up. please send me an updated copy of my credit report after your reinvestigation. send it at my email at XXXXXXXX XXXX XXXX XXXX XXXX XXXX
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. (AL)

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 studying 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. these are the accounts :
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. (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 XXXX XXXX. 
. ) XXXX XXXX XXXX XXXX Account # - XXXX XXXX. ) XXXX XXXX Account # - XXXX XXXX. ) XXXX XXXX Account # - XXXX XXXX. ) XXXX XXXX XXXX Account # - XXXX XXXX. ) XXXX XXXX Account # - XXXX XXXX. ) XXXX XXXX XXXX Account # - XXXX XXXX. ) XXXX XXXX Account # - XXXX XXXX. ) XXXX XXXX XXXX # - XXXX XXXX. ) XXXX web XXXX Account # - XXXX XXXX. ) XXXX XXXX Account # - XXXX XXXX. ) FB & T/ Mercury- Account # - XXXX XXXX. ) XXXX XXXX XXXX Account # - XXXX XXXX. ) XXXX XXXX Account # - XXXX XXXX. ) XXXX XXXX Bank XXXX XXXX Account # - XXXX XXXX. ) XXXX XXXX XXXX Account # - XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX Account # - XXXX XXXX. ) XXXX XXXX XXXX Account # - XXXX XXXX. ) XXXX XXXX Account # - XXXX XXXX. ) XXXX XXXX Account # - XXXX XXXX. ) XXXX XXXX XXXX Account # - XXXX XXXX. ) XXXX XXXX XXXX Account # - XXXX XXXX. ) XXXX XXXX XXXX Account # - XXXX XXXX. ) XXXX XXXX XXXX Account # - XXXX XXXX U.S.C XXXX section XXXX A : States I have the right to privacy XXXX XXXX XXXX Section XXXX A : Staes a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX ( a ) ( XXXX ) Section States : no consumer reporting agency XXXX make consumer report containing any of the following items of information any other than adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX XXXX ( A ) ( XXXX ) : 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 2024-04-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 
6. Please provide a complete account history, including any charges added for collection activity. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX - XXXX {$280.00} XXXX XXXX  - XXXX {$130.00} XXXX XXXX XXXX - XXXX {$2600.00} XXXX XXXX TX - XXXX {$1300.00} XXXX XXXX  - XXXX XXXX  - XXXX {$24000.00} XXXX XXXX - XXXX {$5.00}
Consumer complaint received 2024-07-09
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. (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  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 2024-05-17
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 writing to follow up on our ongoing efforts to correct the late open account on my credit report. Despite our initial attempt, I regret to inform you that this issue still persists. As we enter the second attempt to address this matter, I want to emphasize the urgency and importance of rectifying this discrepancy promptly. The presence of a late open account affects my credit score and raises concerns about the accuracy and integrity of my credit information. 

I kindly request that you prioritize the investigation and resolution of this discrepancy, ensuring that all necessary steps are taken to correct it in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. Furthermore, I would greatly appreciate receiving regular updates on the progress made in resolving this matter and a clear timeline for when I can expect to see this discrepancy corrected on my credit report. With this, I am asking for your assistance to correct the account : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

I am writing this complaint because I filed a complaint for EXPERIAN to reinvestigate a few accounts in my consumer report that are inaccurate. After the reinvestigation had been completed, the account still remained inaccurate. This is a direct violation of 15 USC 1681e ( b ) because EXPERIAN failed to ensure the maximum accuracy of the account. The account was updated but the issues I had pointed out circled in highlighted were not corrected. These inaccuracies are misreported late payments. The late payments are mis formatted with inaccurate triplicate '60 days late " payment notations in the payment history section of the account implying that I was 60 days late for 3 months total. I have reason to believe EXPERIAN relied more upon the information the data furnisher provided instead of equally considering the information I provided as well. If this was actually this case, the error I had pointed out would have been corrected. Pursuant to 15 USC 1681i ( 4 ) ( 4 ) Consideration of consumer information in conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information.
Consumer complaint received 2024-05-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Experian Information Solutions Inc. (TX)

Im a victim of identity theft and this loan was open without my consent. Also there is inquiries thats on there without my consent. Ive forwarded them my identity theft report and cover letter explaining the situation at hand and have yet to get help in this matter.
Consumer complaint received 2023-11-02
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. (CA)

I value your help in removing a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}.
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-17
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. (AL)

I've reached out to the bureaus XXXX on XX/XX/2023 trying to update my information because it was some fake XXXX and fake names on my report along with addresses Experian refuse to correct my information. on XX/XX/XXXX I sent certified mail to the company and bureau pertaining to the alleged account that the original balance was {$8300.00} but has been written off and sold for {$7900.00} I then asked for their right of ownership, the original contract the validity of the debt. and I received no information after XXXX  days. I had to call in they stated they sent it to email, and I searched and never found it. I requested that all results be sent to me through mail. In the letter I also included a copy of my credit report with the inaccuracies highlighted and stated that according to the FCRA that their job is to report XXXX XXXX accuracy & XXXX they're suppose to provide the information requested for the validity and they just sent it back as verified with no removal or updated information which violated the federal law. Also spoke with a representative on XX/XX/XXXX I want to say, he stated that he seen the inaccuracies I mention as we discussed it verbatim on the call and stated he can submit another dispute for me on their end. I asked him " so if you see the inaccuracies then why are y'all willing reporting it to my credit ''. He then stated " well it falls of in XXXX anyways ''. So, to know they are willingly and purposefully reporting that damage on my credit & defaming my character. Also prevented me from being able to buy my house and obtain funding
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This bureau continues to publish information that is not mine on my credit file after I have disputed the information several time and asked them to remove the information. The bureau uses these variations of my name and different addresses to verify accounts that are fraudulently on my credit report.
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: ENCORE CAPITAL GROUP INC. (CA)

I'm unsure of this credit account. There is a balance of XXXX on XX/XX/year>. Then another derogatory mark 6 days later for XXXX and then the same day another derogatory mark for XXXX all from this same company
Consumer complaint received 2024-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (PA)

I made a cash deposit of 6 {$100.00} bills at the atm at the Truist Bank XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> at approximately XXXX & the machine took my money & froze. I called Truist & had a customer service agent on the line with me for at lease 45 minutes hoping it would free up but the machine attempted to restart & shut down again several times, it finally released my atm card but not my money nor did it credit me my money to my account. The bank did credit me my deposit & a few weeks later then took the money back stating that the machine balance did not match my deposit & deposited {$140.00} stating that the machine was only over by that much which is not true & if so what happened to the {$600.00} I put in. The branch manager tried to help & even stated that I faithfully deposit almost the exact amount EVERY Friday but got no where. I asked them to look at the video showing me depositing the money & then waiting while on the phone with customer service to prove myself & they said that they can only view the videos if court ordered. They did give me a number to call about the video but it isn't court ordered. I am not sure what happened to the rest of my money & no one is willing to try to figure it out.
Consumer complaint received 2024-06-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (VT)

I have tried multiple times and different ways to access my account but I continue to be locked out. There is a multi-level process for gaining access. First you type in your account info and password, then you need to verify your identity by taking a photo of your driver 's license and a video of yourself and submitting it for verification. It gets uploaded to who knows where and requires 24 hours for someone to review it and send you an email to notify you whether your identity is accepted. Once you receive the email with your identity confirmed, you have 24 hours to sign in with a XXXX digit PIN that they give you. I am very careful to confirm the numbers and letters, multiple times to make sure it is correct. When I go to plug in the PIN, it says it is the wrong one and am sent in a circular reference cycle of either cancelling and starting over or attempting to sign in again. When I seek to find a customer service email or phone number, it brings me to FAQ page, or provides a phone number that gives me the option of either going to the app to FAQ or hang up. No live person, no email support info anywhere on the website or the app. I am left to cancel and start the process all over again, which I have done multiple times. I have not been able to access my account in over a year, possibly two years. By not providing a transparent system for help, it feels very much like a scam, or a way to deter people from accessing their funds.
Consumer complaint received 2024-07-07
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. (MO)

I disputed the accuracy of a collection account reported on my credit report. I disputed the fact that a collection account from XXXX that has been reported on my credit report is incorrect and false. I had no contractual arrangement with Conserve collection agency or I never attended the University XXXX XXXXXXXX XXXX or took any classes there for which I would owe any school fees. The credit bureau is stating that they conducted there investigation and that the matter is been reported accurately and I dispute such a statement. 
Under the Fair Credit Reporting Act I have the right to request the method of verification used to determine that the collection account from XXXX that has been reported on my credit report is being reported accurately. I would like to know who you spoke with and the documents that you got that proved that such an item was reported accurately. Under the Fair Credit Reporting Act you have 15 days to present me with such information. Failure to provide me with such information within 15 days of this request being made then the credit bureau has to delete such an information from my credit report. A failure to provide me with such information and refusal to delete such false information from my credit report would be a violation of my rights under the Fair Credit Reporting Act for which I can sue this entity and claim for damages in a court of law.
Consumer complaint received 2022-01-10
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: Experian Information Solutions Inc. (TX)

EXPERIAN, XXXX AND XXXX ARE REPORTING FRAUDULETN ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX : XXXX -- -> : {$50000.00} XXXX XXXX XXXX XXXX -- XXXX : {$8100.00} XXXX XXXX XXXX -- -- XXXX : {$630.00} XXXX XXXX XXXX -- -- XXXX : {$6000.00} XXXX XXXX XXXX -- -- XXXX : {$920.00} XXXX XXXX XXXX -- -- XXXX : {$5500.00} XXXX XXXX XXXX -- -- XXXX : {$3000.00} XXXX XXXX XXXX -- XXXX XXXX : {$3000.00} XXXX XXXX XXXX -- -- XXXX XXXX {$6400.00}
Consumer complaint received 2024-07-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

XX/XX/XXXX I suffered an injury causing me to go on XXXX I notified Fifth Third Bank immediately of my issues. I let them know that I would be able to return to work by XXXX but I would need some help in regarding my payments. I was not in escrow my taxes were up to date along with my home insurance. In XXXX of XXXX Fifth Third Bank reached out to my insurance company and paid the rest of my yearly payments. When I talked to the bank they wouldn't give me an answer why they had done that. In XXXX of this year XXXX they went and paid the first half of my taxes which were not due until XXXX thereby telling me I was in escrow even though I had the money to pay. I spoke with XXXX XXXX and opened up a grievance about it. I have not yet heard what the outcome is. I spoke with my homeowners insurance to get the verification that Fifth Third indeed was the one who called them and not the other way around which is what Fifth Third is saying.
Consumer complaint received 2023-10-27
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (GA)

This debt has not been validated. 
Proof of The name and address of the original creditor, The original signed contract between me and the creditor, Full payment history of the account and Proof of ownership, assignment, authority, and license to collect has not been sent to me.
Consumer complaint received 2024-07-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank refuses to give me information of when Ill receive my funds. 
Someone from the bank called me and sent me an email saying theyll respond within 48 hours. 
I called and emailed last Wednesday and its been 7 days and nobody called me back or give me any kind of information of when Ill receive my funds.

This is completely outrageous and unfair. 
Hard working money that I have employees and family depending on me and now I have to wait around how many weeks more until Im able to have access to MY FUNDS OF EARNED WITH MY HARDWORK AND SWEAT?