davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-28
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)

Dear Experian, This letter is to formally request information regarding the methods used to validate accounts on my credit report. I am particularly interested in understanding the process employed to verify the accuracy of the following information : Account Name XXXX  XXXX Account Number XXXX Balance {$1300.00} Account Name XXXX  XXXX Account Number XXXX Balance {$630.00} Account Name XXXX XXXX Account Number XXXX Balance {$520.00} Account Name XXXX XXXX Account Number XXXX Balance {$0.00} Account Name XXXX XXXX XXXX Account XXXX XXXX Balance {$510.00} Account Name XXXX XXXX  XXXX Account XXXX XXXX Balance {$2200.00} Account Name XXXX Account XXXX XXXX Balance {$590.00} Account Name XXXX XXXX Account Number XXXX Balance {$440.00} Account Name XXXX XXXX Account Number XXXX Balance {$950.00} Account Name XXXX XXXX  Account Number XXXX Balance {$650.00} Account Name XXXX XXXX  Account Number XXXX Original Balance {$1100.00} Account Name XXXX XXXX Account Number XXXX Balance {$0.00} The Fair Credit Reporting Act ( FCRA ) grants me the right to ensure the accuracy of the information contained within my credit report. Understanding the methods used to validate accounts listed above will allow me to better assess the information 's completeness and legitimacy per [ FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) ] Specifically, I would like XXXX to provide details on the following : The types of information used to verify account ownership ( e.g., Social Security number, date of birth, address history ). 
The communication methods employed to contact creditors for verification ( e.g., written communication, phone calls ). 
The procedures in place to ensure the legitimacy of the information received from creditors. 


Please furnish this information within 15 days of receiving this request per [ FCRA 611 ( a ) ( 7 ) ]. I appreciate your cooperation in this matter. 
Thank you for your time and attention to this request. 
Sincerely, XXXX XXXX
Consumer complaint received 2018-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

This complaint is against, XXXX, XXXX, and Experian. 
Problem # 1. All three credit reporting Agency refused to remove a negative account with XXXX, after so many attempts explaining there account was paid in full at the time I terminated my service. 
All three credit reporting easily take side with XXXX, choosing to not give my dispute any type of credibility. 

Problem # 2, All three credit report Agency, XXXX XXXX and Experian continues to report an old account that was in collection as still being in collection even after the fact it has been settled by the owner of the account. I was a co-signer on the account to help a friend get for a rental properties, but the signer of the account settled the account and paid in full. 

Problem # 3, All three credit report Agency, neglectfully assessing my three digit credit score number below 680. I have over {$110000.00} Credit line, with only a 10 % Debt to ratio outstanding balances. 20 years of excellent credit history, Mortgage paid off within 19 years. My credit score should be at the lowest 790 and 850 at the highest. These credit reporting are bias and work for the best interest of Banks, Lenders and Credit Card Owners. 
I am trying to take an equity credit line to pay for XXXX of my children college tuition and home improvement, but the lower credit score reported than my credit worthiness deserve, has caused me a great deal of disadvantage. 
This is just an abuse of a power of these three credit reporting agencies. They are simply working against us consumers. They take every opportunities to destroy us consumers after us being  building our credit for decades. These reporting agency do not care to look at the totality of our credit history, we could have 20 years of excellent payment history, and one day we face a creditor trying to collect on account that we dispute and we refuse to pay it because we do not owe it,???? then the credit reporting agency instead of allowing us to exercise our right to dispute it, they side with the creditors and the destroy our lives. They work for them not us the consumers. this has to be STOPPED
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I received a copy of my credit report and i have found the following items listed below to be in error. These accounts are listed with late or missed payment and that is incorrect. the following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 


I was Never Late on ( XX/XX/2024, XX/XX/2024 ) on this Account Please Update the account as PAID/CURRENT. 

I HAVE ATTACHED A DOCUMENT OF EVIDENCE OF CURRENT ACCOUNT AND NEVER LATE PAYMENT. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any Information that the creditor can not verify. I understand that under 15 U.S.C Sec.161i ( a ), you must complete this reinvestigation with 30 days of receipt of this letter. 

Please send an updated copy of my credit report reflecting the requested changes.
Consumer complaint received 2023-10-26
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. (FL)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My account was closed with Bank of America without my knowledge. I was told it was a business decision to have it closed without giving me any reason as to why. I attempted open account with XXXX XXXX and XXXX XXXX and both denied me. I then was added to my wifes account with XXXX XXXX and was successful but then later the account was closed without our knowledge and I was given the same reason that Bank of America gave me when they closed my account. Im trying to understand why this is happening and how I can resolve this issue. I depend a lot on online banking for paying bills and receiving my direct deposit from my job. Please help me get answers for this matter.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-06-20
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. (CA)

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 


Remove these items ASAP : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, CA XX/XX/XXXX XXXX XXXX XXXX  XXXX Balance : {$8400.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$13000.00} XXXX XX/XX/XXXX
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

" I am filing this complaint because the credit bureaus have failed to remove inaccurate and inconsistent information from my credit report regarding the XXXX XXXX XXXX account. The credit reports provided by the bureaus show significant disparities and discrepancies, which undermine the accuracy and integrity of the reported information. 

- High Balance : There is a significant discrepancy in the high balance reported. The first report shows a high balance of " {$0.00}, ' while the second report lists a high balance of " {$14000.00}. ' This inconsistency raises concerns about the accuracy of the reported information.

- Account Balance : There is a notable difference in the account balance reported. The first report shows an account balance of " {$9300.00}, ' while the second report lists the balance as " {$14000.00}. ' This discrepancy raises concerns about the accuracy of the reported data and the true outstanding balance. 

These inconsistencies and inaccuracies in the credit reporting for the XXXX XXXX XXXX account are alarming and require immediate attention. I have previously disputed these discrepancies with the credit bureaus, but the inaccurate information has not been updated or removed from my credit report. 

It is crucial that the credit bureaus thoroughly investigate and rectify these discrepancies, ensuring the accuracy and integrity of the reported information. I request that the credit bureaus take immediate action to remove the inaccurate and inconsistent information associated with the XXXX XXXX XXXX account from my credit report. 

Thank you for your attention to this matter, and I look forward to a prompt resolution of this issue. ''
Consumer complaint received 2024-03-28
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. (IL)

Im a survivor of XXXX XXXX  I provided a letter from my current program Im in. Both XXXX and XXXX approved my letter and deleted the information from my report. XXXX XXXX from Experian said my letter was not authentic and now I had to join a new program called XXXXXXXX XXXX  by the XXXX XXXX. I also reached out to the Department of human services to see if I can get a certified letter through them. I dont understand who would lie about being XXXX XXXX The last 15 years of my life I have been trying to get away from my XXXX  and when I finally try to regain my life back Im at a stand still because of an insensitive woman please someone help me.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I sent in a letter on XX/XX/2023 requesting that my personal information be corrected. I gave them the correct information, and they have not corrected it. It seems as if they did nothing with the request, because all of the multiple variations of my name, wrong names, etc., are still there.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA -you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be Verified You are reporting inaccurate and/or incomplete information concerning me in consumer reports. Your conduct has caused me distress and financially harmed me with costs and loss opportunity. 
The following ACCOUNT you are reporting concerning me is inaccurate and/or XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (WI)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-09-22
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)

Despite the compelling evidence I provided and the absolute lack of verification from the purported creditors, you have inexplicably chosen to ignore my pleas for assistance. 
The fraudulent accounts that I insist be addressed are as follows : XXXX XXXXXXXX XXXX XXXXXXXX Your apparent indifference to my repeated requests for resolution is nothing short of scandalous. 
Your egregious failure to uphold these obligations has caused severe harm to my financial well-being and emotional distress that I can no longer tolerate. I will not stand by idly while your organization continues to neglect its responsibilities.
Consumer complaint received 2023-08-18
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: Experian Information Solutions Inc. (IA)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

This is a medical collection that is being reported illegally on my credit report. This is violating my privacy and HIPAA law. I would like for this account to be removed from my credit profile within XXXX ( XXXX ) days from today or you are opening yourself up for litigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Opened on XX/XX/2023 XXXX
Consumer complaint received 2024-03-28
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. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-30
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. (GA)

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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX : {$13000.00}
Consumer complaint received 2023-06-17
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. (FL)

Last month I got my annual credit report and there were a lot wrong information and inconsistencies on my report I take action right I wrote the credit report bureau right away. the point out the problems on my report and for the the fix the errors, I wrote the letters on the XXXX of XXXX today is the XXXX XXXX I have yet to receive any information or correction from on my report.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Peoples Credit Inc. (IL)

On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The XXXX was financed by Peoples credit Inc. of XXXX, IL. I lost my job in XXXX of XXXX ( XXXX XXXX ) and fell behind on my payments. 
On XX/XX/XXXX. XXXX the vehicle was repossessed by Peoples credit IncXXXX My balance with People 's credit at the time of repossession was {$9100.00}. + Repo Fees. which were in the excessive amount of {$4200.00} bringing the total amount to {$13000.00}. This is the amount that shows up on my credit report with XXXX and XXXX XXXX credit Bureau 's. The amount of {$13000.00} is incorrect and should be less after the vehicle was sold privately or at auction. 
By the laws of the state of Illinois I'm only responsible for the Deficiency balance. I've spoken to XXXX XXXX at Peoples credit on this matter several times and asked him why he never provided me with a Deficiency notice for which he's bound by law to do according to the laws of the state of Illinois. 
I'm asking for this agencies help in getting the Deficiency balance from peoples credit Inc, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX ( XXXX ) XXXX Thank You XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2023-09-22
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)

Despite the compelling evidence I provided and the absolute lack of verification from the purported creditors, you have inexplicably chosen to ignore my pleas for assistance. 
The fraudulent accounts that I insist be addressed are as follows : XXXX XXXX XXXX XXXXXXXX Your apparent indifference to my repeated requests for resolution is nothing short of scandalous. 
Your egregious failure to uphold these obligations has caused severe harm to my financial well-being and emotional distress that I can no longer tolerate. I will not stand by idly while your organization continues to neglect its responsibilities.
Consumer complaint received 2024-03-28
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. (WI)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Would you mind examining the documents? Some of the mentioned accounts seem to be inaccurate in terms of reporting.
Consumer complaint received 2023-11-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (NC)

Navy Federal Credit Union XXXX, 2019 {$15000.00} this item is reporting inaccurate on my credit report I have sent all requested supporting documents to support my claim I request that all inaccurate reporting items be blocked and removed immediately