davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-27
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 2024-05-27
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)

I am writing to follow up on my previous dispute regarding a fraudulent account that is still erroneously reporting on my credit report. Despite my efforts to rectify this matter, the fraudulent account remains unresolved and continues to negatively impact my credit score. 

As I stated in my initial dispute letter dated XX/XX/2024 I have never opened or authorized the account in question. I have taken all necessary steps to report the fraud to the appropriate authorities, including notifying the creditor in question of the fraudulent activity. 

It is disheartening to see that the fraudulent account is still present on my credit report, as it has caused significant distress and financial hardship for me. This inaccurate information has affected my ability to obtain credit, secure loans, and even impacted my employment prospects.
Consumer complaint received 2023-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (CT)

Greetings, There is information on my consumer report that is a result of identity theft. I did not provide explicit written permission and or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions made by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, amount {$1500.00} AFFIRM INC | XX/XX/2023, amount {$25.00} You are required to do what I am asking pursuant to fear credit laws sanctioned by Congress and block these transactions from being reported on my consumer report within four days from the date of the receipt of this notice. I am looking forward to your expeditious response and level of professionalism regarding my consumer rights. As verification of my identity, I have provided a copy of my driver 's license. 
Thank you,
Consumer complaint received 2024-05-27
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. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-02-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (NY)

Fraud has been committed on my consumer report, which violates the FCRA & FDCPA. AMSHER COLLECTION SERVICES is using extortionate means to collect on alleged debt, I do not owe that resulted from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required : * Purchase Agreement * Evidence that vou are a licensed debt collector *Chain of Title *Proof that vou are license debt collector to collect in my state. * A requested copy of your State Department of Commerce and Insurance Certificate. THIS IS A REQUEST FOR ACCOUNTING : REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C $ 9-210. This authenticated record must include all tax filings ( including all 1099 's, 1096 's, and 1098 's ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as its directly associated with the reporting activities. Failure to substantiate the claim, please settle the account immediately and cease and desist all communication and have this tradelines deleted from my consumer report.

15 U.S. Code 1692e - False or misleading representations ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

On XX/XX/year>XXXX XXXX XXXX XXXX XXXX added a derogatory mark to my credit report per XXXX XXXX Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditors did not verify this collection. Also, there was NO form of communication, contracts, or signatures for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRAXXXX XXXX XXXX XXXX XXXX violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Consumer complaint received 2024-05-27
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. (MI)

I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me XXXX. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.
Consumer complaint received 2024-05-27
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)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-05-27
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. (UT)

I am writing to formally express my dissatisfaction with the ongoing issues related to the correction of late-opened accounts under my management. Despite having made these attempts to rectify these discrepancies, the problems persist, and my accounts remain incorrect. This situation is causing significant inconvenience and frustration. The inability to correct these late-opened accounts is impacting my financial management and overall trust in your services. I request an immediate and comprehensive review of my case. I would appreciate a prompt and effective resolution to this matter, including : XXXX. A thorough investigation into the repeated failures to resolve my issue. XXXX. Clear communication regarding the steps that will be taken to correct the accounts. XXXX. A timeline for when I can expect this issue to be fully resolved. I trust that you will treat this matter with the urgency and seriousness it deserves. Failure to address this issue satisfactorily may compel me to seek further action through consumer protection agencies or legal channels. With this, I am asking for your assistance to correct the accounts : XXXX XXXX XXXX XXXX Balance : {$260000.00} ; XXXX XXXX XXXX XXXX Balance : {$11000.00}.
Consumer complaint received 2024-05-27
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)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-05-27
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 2023-04-23
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

NOTICE OF DISPUTE I've tried several times to settle this with EXPERIAN. EXPERIAN has done nothing except stall. They earlier said that the accounts had been validated. I am requesting once more that EXPERIAN supply me with documents proving that I am LEGALLY OBLIGATED to pay this supposed debt. EXPERIAN has received identity information many times. Please be mindful that this is causing financial difficulty. Failure to reply in a legal and lawful manner will result in additional proceedings. Failure to react within 14calendar days will be taken as your acceptance that this debt is illegitimate. Please validate and give proof that I am " LEGALLY OBLIGATED '' to pay these supposed obligations. " HAVE BEEN VERIFIED '' is a straightforward response Respectfully delete the following 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 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 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section.
Consumer complaint received 2023-07-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC (PA)

I was contacted via telephone by Source Receivables Managment regarding a debt. I asked them for their address to mail them a debt verification letter. On XX/XX/XXXX, I sent them a letter asking them to verify the debt amount, including any fees, and who the original party that is making the claim via certified mail. This was received by them on XX/XX/XXXX. On XX/XX/XXXX, a letter was sent to me with a bill in the amount of {$660.00} from XXXX XXXX XXXX On XX/XX/XXXX, I sent another certified letter to Source Receivables Management advising them that I am not responsible for this debt and asked them to send me a signed contract proving this debt belongs to me, including but not limited to and proof that you are licensed in Pennsylvania. On XX/XX/XXXX, I received a letter from Source Receivables Management that stated, " our records indicate we have already responded to a previous request for validation. ''
Consumer complaint received 2024-05-27
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)

Hello after reviewing my credit report directly from all three credit bureaus I noticed that several accounts on there did not line up and I did not consent to have on my report. Under FCRA Law 15 U.S. Code 1681b permissible purposes of consumer reports I never gave you any written consent to report these accounts to my credit report. Also 15 U.S.C. 1681i section 7 method of verification on how these accounts were verified as factual. The accounts in question : 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 These accounts have prohibited me to receiving new credit and because they are violating 15 U.S.C. 1681 n ( a ) ( 1 ) ( A )
Consumer complaint received 2024-05-27
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. (LA)

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 2024-05-27
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 am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding this fraudulent accounts, and following this submission, XXXX and XXXX have removed these accounts from their records. I have also directly contacted the company associated with these accounts, and they have confirmed the removal of the accounts. Therefore, I am puzzled as to why these accounts are still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only violates this obligation but also exposes me to further harm. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-27
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)

Experian continues to show information on my credit report after I sent numerous items to them showing I was a victim of ID theft through numerous data breaches. I attached all the proof and even told them I wrote to each of the companies I disputed with to ask for proof of how these accounts were opened in my name. NONE of them responded with any proof and all I got is a letter saying " We understand your concerns but have not found reason this is ID theft or fraud ''. I asked THEM to produce proof of how these were opened so I can dispute factually each thing they are reporting wrong, but each company not only produces no proof, they and Experian continue to report these files on my report inaccurately. The companies in questions are XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX, XXXX and XXXX who not only fails to investigate, they passed this off to a XXXX party collection, blocking every attempt I make to look deeper into this. 

XXXX now makes my ability to review my files or dispute online unavailable and I can not dispute numerous items including those above. Same with XXXX. Nobody investigates properly, nobody looks into materials I have provided showing data breaches and nobody fixes my accounts
Consumer complaint received 2024-05-27
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX
Consumer complaint received 2024-05-27
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. (UT)

I am writing to formally express my dissatisfaction with the ongoing issues related to the correction of late-opened accounts under my management. Despite having made these attempts to rectify these discrepancies, the problems persist, and my accounts remain incorrect. This situation is causing significant inconvenience and frustration. The inability to correct these late-opened accounts is impacting my financial management and overall trust in your services. I request an immediate and comprehensive review of my case. I would appreciate a prompt and effective resolution to this matter, including : 1. A thorough investigation into the repeated failures to resolve my issue. 
2. Clear communication regarding the steps that will be taken to correct the accounts.

3. A timeline for when I can expect this issue to be fully resolved.

I trust that you will treat this matter with the urgency and seriousness it deserves. Failure to address this issue satisfactorily may compel me to seek further action through consumer protection agencies or legal channels. With this, I am asking for your assistance to correct the accounts : XXXX XXXX XXXX XXXX XXXX, CO XXXX ; XXXX XXXX XXXX, CO XXXX ; XXXX XXXX Balance : {$1700.00} ; XXXX XXXX  XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, CO XXXX ; XXXX XXXX Balance : {$0.00} XXXX Original Creditor : XXXX XXXX XXXX Balance : {$3100.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-05-27
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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.