davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-10
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: EQUIFAX, INC. (TX)

On XXXX, XXXX  I sent a letter to Equifax requesting verifiable proof that the information on the following accounts pertains to me. 

XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

While Equifax did investigate some of the accounts they did not investigate them all. I have a recorded conversation with an Equifax customer service agent on XX/XX/2023 Equifax did not investigate XXXX XXXX, XXXX XXXX XXXX, or XXXX XXXX  XXXX. Instead the investigated XXXX XXXX XXXX and XXXX XXXX XXXX XXXX accounts I didn't ask for them to look into. The Agent advised that he didn't know why they didn't investigate XXXX XXXX  XXXX, XXXX XXXX, and XXXX XXXX, XXXX  He also advised that he could not stop the investigation into XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 

I also never received correspondence from Equifax advising of the completion of their investigation. 

the following account need to be removed from my credit report immediately, these accounts weren't investigated by Equifax. according to the Fair Credit Reporting act Equifax had 30 days to investigate these accounts and refused to do so : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I also was not sent a copy of the dispute results from Equifax I have waited what amounts to 4 weeks for those results I do not ant a reinvestigation of any of the before mentioned accounts I want full deletion of all accounts in the attached letter dated XX/XX/2023 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX all other accounts in the investigation request should be deleted as well.
Consumer complaint received 2024-04-07
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. (WA)

In violation of 15 U.S. Code 6802, it has become clear that XXXX has disclosed my nonpublic personal information to at least 3 non-affiliated parties EXPERIAN, XXXX, and XXXX. As defined at 16 CFR 313.3 ( k ) ( 2 ) Personally identifiable financial information includes : ( B ) Account balance information, payment history, overdraft history, and credit or debit card purchase information ''. Per 15 USC 1681 ( Fair Credit Reporting Act ) and 15 USC 6802 ( Gramm-Leach-Bliley Act ), as a federally protected consumer, financial institutions are required per 16 CFR 313.7 ( a ) ( 1 ) to provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state a reasonable means by which the consumer may exercise the opt out right. 

XXXX has never given me a reasonable means of opting out of disclosure of my nonpublic personal information per 15 U.S. Code 6802, as required by law. I expressly OPTED OUT on XXXX XX/XX/XXXX of any and all authorization that I may have given XXXX to disclose any of my personally identifiable financial information, whether such authorization was written, unwritten, verbal, non-verbal, implied, or assumed. I have recorded over 82 violations of my privacy regarding my accounts with XXXX since XXXX. 

Furthermore 15 U.S. Code 1681adefines ( d ) Consumer Report. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report. XXXX is willfully disclosing reports containing information solely as to transactions or experiences between XXXX and I to non-affiliated third parties. 

Pursuant to 16 CFR 313.10 Limits on disclosure of non-public personal information to nonaffiliated third parties. ( c ) Partial opt out. Financial Institutions may allow a consumer to select certain nonpublic personal information or certain nonaffiliated third parties with respect to which the consumer wishes to opt out.

I have received no response after my express OPT OUT, and are still disclosing my nonpublic personal information to EXPERIAN, XXXX, and XXXX.
Consumer complaint received 2023-12-19
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)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-19
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. (MI)

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-07
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. (IN)

am writing to follow up on my previous communication regarding discrepancies in my credit report. This is my second written request regarding the matter. 

Despite my previous inquiries, the unverified items on my credit report have not been rectified, which is in direct violation of Federal Law, specifically the Fair Credit Reporting Act ( FCRA ). As per the FCRA, you are obligated to possess a copy of the original creditor 's documentation to verify the accuracy of the information being reported. However, I have not received any documentation from you as required by Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) of the FCRA, including a consumer contract bearing my signature.

In response to my previous investigation request, you stated that the items in question were " verified '' to be reported correctly. I am now questioning the validity of this verification process. Who exactly verified these accounts? And based on what evidence?

Under Section 611 ( 5 ) ( A ) of the FCRA, you are mandated to promptly delete any information that can not be verified. Since you have failed to provide me with the necessary documentation to verify these items, it is imperative that they are removed from my credit report immediately.

I expect a prompt and thorough resolution to this matter. Failure to comply with the FCRA regulations will result in further action being taken.
Consumer complaint received 2024-01-08
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. (CO)

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXXXXXX XXXX  15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-04-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc. (TX)

someone applied for credit in my name, they misspelled my name as well. XXXX XXXX address listed wrong XXXX XXXX XXXX XXXX XXXX ga XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ga XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-19
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. (SC)

A consumer may exercise the right to opt out at any time. I requested to opt out of the transaction history being reported to my consumer report. I requested in writing and via phone over XXXX ago. According to 15 USC 1681 602 states there is a need to insure that consumer reporting agencies exercise responsibilities with fairness, impartiality and a respect for the consumers right to privacy and according to the privacy act 1974 I have right to privacy and at this time my privacy is being violated.
Consumer complaint received 2023-12-19
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 have been subjected to identity theft and these following inquiries appearing on my credit reports from all 3 bureaus does not belong to me. I have also attached my FTC report for more details. Kindly remove these inquiries asap as my credit is being Impacted pretty badly due these. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-07
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: Experian Information Solutions Inc. (NC)

After pulling my Experian credit report, on XX/XX/2023, I requested Experian complete an investigation into the following accounts for completeness and accuracy : XXXXXXXX XXXX XXXXXXXX XXXX XXXX **** XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX **** XXXX. XXXX  XXXX **** XXXX. XXXX  XXXX XXXX ( balance of {$200.00} ) **** 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 XXXXXXXX ( update paid never late ) **** XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX **** Experian completed the investigation and notified me that all accounts had been verified. I pulled my credit report again and noticed that several accounts that were previously disputed were missing the FCRA 623 ( a ) ( 3 ) required notice of dispute. Because the notice of dispute is not present, Experian is in violation of FCRA 623 ( a ) ( 3 ) and can not report this information. The accounts missing the notice of dispute are : XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-21
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Alorica Inc. (TX)

Described in previous question. 
Long story short this was a company that actually changed companies in the middle of my loan the company now is XXXX I was unable to continue payments almost a year ago. I took out a total of {$4000.00}, half of which one into a savings account they had set up for me to where when I paid off over half of the loan, at the end of loan was completely paid off the. Customer is awarded the savings amount or if loan is in complete they take the savings and put it towards debt left owed therefore covering their end if loan is in debt. So they get paid the XXXX back however they're still harassing me about {$500.00} I apparently owe. They have been really harassing me these past XXXX weeks didn't hear from them in over many months, then when I do it is non-stop. I understand the statements I get in the mail and that's normal but when I'm called it XXXX or XXXX at night back to back just to '' discuss payment on account '' and up to my place of employment that's totally out of line
Consumer complaint received 2023-12-19
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. (NC)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-07
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'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX account number XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, 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.
Consumer complaint received 2023-12-19
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. (WA)

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-22
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. (WA)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2023-12-19
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. (SC)

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 2024-04-07
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.
Consumer complaint received 2023-12-16
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)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I've been calling transition every day this week and I also sent in letters, a FTC report, my ID, and social security card to them stating that there are 3 inquires on my report that I don't recognize. I tried to dispute them and they gave me a hard time. Representatives would hang up on me majority of the time. I would like these inquiries removed as soon as possible because they are effecting my report. 

The inquires are XXXX XXXX XX/XX/2023, XXXX  XXXX XXXX XX/XX/2023, and XXXX XXXX  XX/XX/2023.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Monterey Financial Services LLC (PA)

I do not recognize how this account is reporting on my credit report, I dont recognize this account number, I do not recognize this account status, I do not recognize the account high balance, nor do I recognize the late payments associated with it. Everything reported here does not meet the FCRA. This account was opened XXXX  and last reported XXXX
Consumer complaint received 2024-04-07
Product: Credit card — General-purpose credit card or charge card
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. (NC)

The response from Experian threw CFPB was a lot of paragraphs with no new information on how the FURNISHER verified XXXX XXXXXXXX, XXXX, XXXXXXXX XXXX. I would like to make sure FCRA procedures were followed. The only thing was used to investigate was three digit code from XXXX system. I'm requesting for all documents that was used to verify my disputes, ( The credit Method of Verification. ) FCRA section ( 611ca ) ( 6 ) and ( 7 ) ( Was Not Thorough Enough ) I'm asking for all Documents used to be send to me by certified mail
Consumer complaint received 2023-12-19
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)

To Whom It Mav Concern.

I have recently reviewed my credit report and noticed vou have assigned the above referenced account to a third party debt collector. Since you are an organization covered under the HIPAA Privacy Rule ( and I do not recall giving you permission to release my medical information to any third party, provide me the following : A certified copy of an original contract, showing my signature, specifically authorizing the release of my medical information to a third party.

As you know, the Health Insurance Portability Act of 1996 ( HIPAA ) protects my privacy and medical information from unauthorized disclosure. Any violations of the Privacy Rule are investigated by the Office for Civil Rights ( OCR ) of the U.S. Department of Health and Human Services. If you released my medical information in eiror, and this matter Is cOITected within 30 days, there will be no reasonable cause for me to file a complaint with the OCR.

In addition, I request you contact the third party debt collector assigned this account for notification purposes. Their name and address is : ( XXXX XXXX XXXX XXXX ). 
If you can not substantiate I authorized the release of my medical information within 30 days, and collection activity continues including derogatory reporting to the credit bureaus ), I will have no other choice but to file a complaint with the OCR against you and the third party debt collector. Thank you in advance for your cooperation.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

I have submitted that this account was paid in full and title was sent to me XXXXXXXX XXXX Ally is reporting inaccurately to the credit bureaus and I have brought it to the bureaus attention on numerous occasions and the only XXXX is XXXX that removed the account, if you notice the reporting doesn't even make sense.
Consumer complaint received 2022-11-17
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. (NC)

I called all 3 credit bureaus. No one one would help me with my issue removing these items all of the items list are fraudulent and should be removed. 

XXXX XXXX XXXX XXXX XXXX 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 2024-06-18
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. (GA)

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.