davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-26
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. (TN)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

Hello, I hope you can help me. Recently, since XXXX I have taken on the task of repairing my credit, so I have sent notifications to the credit bureaus, however everything has been ignored since the bureaus do not respond to me or update anything. They have had the irresponsibility of sending me a letter claiming that they are not going to do anything because they believe that I am not the one submitting the disputes. I would like to know what methods they used to determine that, that seems very false to me and only denotes that they are evading their responsibility.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

For several months Transunion sends me emails stating that I will be receiving instructions on how to change password and access my Transunion account. Transunion has no0t done so and is violating federal laws by blocking access to my Fico score and credit reporting information. In addition, Transunion is not actively, or sufficiently investigating disputed accounts when evidence is provided to them when forced to dispute using third party services as Transunion has continued to block access and to my account and lie about attempting to give me access to my account that they have blocked me for several months/years!!
Consumer complaint received 2023-09-26
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: Experian Information Solutions Inc. (GA)

I hope this letter finds you well. I am writing to express my deep frustration and dissatisfaction with the handling of my recent attempts to correct inaccuracies on my credit report. I believe it is my right to have accurate and up-to-date information on my credit report, and I have made diligent efforts to rectify the errors that have been negatively impacting my creditworthiness. 

I first noticed discrepancies in my credit report when I requested a copy from your agency. Specifically, I found that there were late open accounts listed that I believed to be inaccurate. To rectify this issue, I promptly filed a dispute with your agency in accordance with the Fair Credit Reporting Act ( FCRA ). 

Despite providing all the required documentation and evidence to support my dispute, I received no resolution or response from your agency within the 30-day period stipulated by the FCRA. This lack of response prompted me to escalate the matter by sending a second dispute letter. Again, I provided all the necessary documentation and waited for a response. 

To my dismay, I have yet to receive any meaningful communication from your agency regarding the status of my disputes. This is a clear violation of the FCRA, which mandates that credit reporting agencies must investigate disputes within a reasonable timeframe and respond to consumers in a timely manner. 

I understand that errors can occur, but I have made multiple attempts to have these inaccuracies corrected, and the lack of response from your agency is not only frustrating but also damaging to my financial well-being. These inaccuracies have resulted in unfavorable terms and increased interest rates on loans and credit cards, causing me financial hardship. 

If this matter is not addressed promptly and satisfactorily, I will have no choice but to escalate my complaint to the appropriate regulatory authorities and consider legal action to protect my rights as a consumer. Please assist me to correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-06
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX RE : Alleged Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) Billing Error ) Upon reviewing my credit report recently, I observed multiple instances of billing errors as defined under 15 U.S. Code 1666 ( b ) billing error, specifically : ( 4 ) The creditor 's failure to accurately reflect on a statement a payment made by the obligor, or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature by the creditor on a statement.

It has come to my attention that the creditor failed to provide the requisite 21-day notice ( approximately XXXX weeks ) before issuing a statement, thereby negating any grounds for late payments on the mentioned accounts. I am requesting conclusive evidence from the creditor 's bank account to substantiate the claim of non-payment resulting in late markings, as this appears to be a clear billing error. 

I insist that the following items be promptly updated to " paid as agreed '' on my consumer report : XXXX XXXX XXXX XXXX Account number XXXX  Late Payment Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Late Payment Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX DEPT OF EDXXXX Account number XXXX Late Payment Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX As a consumer protected by law, these accounts must be expeditiously updated or removed from my record. Failure to comply will compel me to pursue monetary compensation for the infringement of my rights through small claims court under XXXX XXXX XXXX civil liability. 

Additionally, be informed that this matter has been escalated by submitting a formal complaint to the Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-08-08
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I obtained my credit report and requested the credit bureaus to verify and ensure the accuracy of all the information in accordance with 15 USC 1681i.

After waiting for a period of more than 30 days, I have yet to receive any response. I have tracking numbers for reference : XXXX, XXXX, and XXXX. It has now been more than 30 days since my initial request. 

Furthermore, I noticed that they have failed to update the current status of the disputed information. 

Experian 's actions are impeding my ability to purchase my first home. This situation is extremely frustrating as I am endeavoring to provide a suitable residence for my family. Regrettably, Experian is not fulfilling its obligations as stipulated by the law.
Consumer complaint received 2023-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I called in to Capital One on XX/XX/2023 to make sure that I got credited by XXXX XXXX XXXX for time I wasn't going to be there that I paid for in advance. 

Capital One then canceled the entire payment. 
this was the beginning of the employee fraud written employee fraud. Of this card. 
Case # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX While I was in XXXX XXXX I used my Capital One credit card ending in XXXX at the XXXX XXXX XXXX in XXXX California, that transaction debited my XXXX XXXX checking account. 
my card ending in XXXX got violated immediately after I gave XXXX XXXX  my card numbers. 
I called into XXXX XXXX the next day when I saw the money from my checking account deducted after using my Capital One card ending in XXXX I called XXXX XXXX and reported the fraud as soon as I saw it in my checking account. XXXX XXXX is still investigating that transaction. 

after that I relocated to another monthly rental that was advertised thru XXXX XXXX XXXX XXXX. There was child trafficking physical violence, drugs as well as vehicle vandalism and property theft and vandalism going on inside the XXXX. 

this XXXX was advertised as having no pets no children it was high-end professional atmosphere. 

that place was nothing like that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I called in to Capital One said I was leaving and I'm not paying the bill for that place. 
I called the police child protective services dod XXXX assault hotline and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I experienced at that property.

I reported the hosts to kaw enforcement. 
XXXXXXXX XXXX XXXX  properties. 
Additionally the amount XXXX XXXX XXXX XXXX XXXXs higher than what Capital one credited my card ending in XXXX. I have excluded communication with XXXX XXXX XXXX XXXX  to show that the credit should have never been XXXX. XXXX I have more than 9 dispute letters for this one file. 
I called into capitalone more than 20 times to resolve this. File XXXX. 
I am so mad what they did to my account I can not speak to them without yelling. 

XXXX XXXX has frozen all transactions with capitalone to ky account and put a fraud alert on capitalone. 
And I have frozen my credit reporting accounts as requested by XXXX XXXX.
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

These accounts aren't mine accounts and are fraudulent. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  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 an 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 and other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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 2023-12-06
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. (KY)

Pursuant to 18 USC ( 8 ) I owe no debt this company is violating my consumer right to privacy pursuant to is 15 USC 1681 ( b ) 15 USC 1681 ( 4 ) company has also no permission to report anything using my information 15 USC 1692g validation of debt 15 USC 1681A ( 2 ) ( a ) ( I ) Late payment Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-15
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)

I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay.
Consumer complaint received 2023-09-26
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. (GA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX 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 XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX  XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$460.00} ; XXXX XXXX Balance : {$390.00} ; XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$630.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3500.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$720.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3600.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$390.00} ; SXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$640.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$820.00} ; XXXX XXXX XXXX Date Filed/Reported XXXX XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX.
Consumer complaint received 2023-09-02
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)

Experian has listed inaccurate unverified information on my consumer report. An Auto Loan and personal loan by XXXX XXXX XXXX XXXX which is a direct result of Identify Theft. They have also listed unverified inaccurate and fraudulent evictions from addresses I've never lived. I have contacted the XXXX XXXX XXXX and XXXX XXXX XXXX and they have informed me that the cases filed belong to a XXXX XXXX with no SSN social security information provided. This is obviously someone else with the same name as me. This is also a direct violation of my rights under the Fairs Credit Act.
Consumer complaint received 2024-04-01
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)

On XXXX I sent a letter opting out of any and all authorization I the consumer may have given XXXX XXXX  in a demand to have my personal, financial, public, and non private information removed from third party non affiliate companies and consumer reporting agencies per 15 USC 6802. 15 U.S. Code 6802 is about obligations regarding the disclosure of personal information. It states that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party 15 U.S. Code 6801 states that Congress has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. And Per 16 CFR 313.7 - Form of opt out notice to consumers 313.7 Form of opt out notice to consumers ; opt out methods. ( a ) ( XXXX ) Form of opt out notice. If you are required to provide an opt out notice under XXXX ( a ), you must 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 : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure ; I have submitted my opt out request even though the option was not
Consumer complaint received 2023-09-26
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. (NV)

This is my 11th attempt to notify you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX XXXX, SC XXXXXX/XX/XXXXXXXX XXXX XXXX Balance : {$480.00} XXXX XXXX Balance : {$0.00} XX/XX/XXXX XXXX Balance : {$770.00} XXXXXX/XX/XXXX Balance XXXX {$11000.00} XXXX XXXX XXXX Balance : {$8200.00} XXXXXX/XX/XXXX ( Original XXXX : XXXXXX/XX/XXXXXXXX XXXX ) XXXX Balance XXXX {$5000.00} XXXX XXXX XX/XX/XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2023-12-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION (FL)

I went to XXXX XXXX XXXX XXXX to purchase a vehicles, which I was advised they would need a auto financing approval to purchase the vehicles which in XX/XX/. I obtained a approval from Navy Federal FCU. 
XXXX XXXX and I, who was there individual I was working with advised he needed the checks to purchase the vehicles. He cashed the checks fraudulently, and I never received any vehicles. Each month I would get excuses that its being worked on until they stopped answering the phones and change the office location. I haven't heard anything at all from the dealer ever again.
Consumer complaint received 2023-09-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX is violating 15 USC 1666b. This company is inaccurately reporting late payments on my consumer report on the following dates ; XXXX XXXX XXXX
Consumer complaint received 2023-03-14
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENCORE CAPITAL GROUP INC. (TN)

Someone else got a call about a debt at this collection agency and was told I was going to be taken to court and sued so he called me upset, I went onto the website and did a chat and asked for validation of the debt and for them to not contact anyone else other than me and gave all my correct information. I was told collection efforts would halt while they validate it and it could take up to 90 days. 

XXXX called him back an hour later demanding to talk to me and he gave her my number, she then asked him to have me call her instead to initiate the conversation on my end.