davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-16
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 the consumer XXXX XXXX has highlighted a copy of my consumer report displaying the violation of inaccuracy and incompleted reporting.The dates open are inaccurate/incomplete, Date last reported are inaccurate/incomplete, Date of last payment are inaccurate/incomplete, Payment history are inaccurate/incomplete.Experian is currently reporting inaccurate, incomplete accounts violating the Fair Credit Reporting Act.DEPT ED/XXXX has many account numbers the accounts are DEPT ED/XXXX # XXXX # XXXX # XXXX # XXXX XXXX XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX ED/XXXX has NEVER disclosed CLEARLY to I XXXX XXXX the consumer that my personal information was going to be shared with a 3rd party by the name of Experian. This is a form of identity theft and I the consumer XXXX XXXX Never gave permission to DEPT ED/XXXX to share my information to Experian.Violations are listed in this statement 6. As stated in 15 U.S CODE 1681e ( B ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
7. As 15 U.S Code 6802 ( b ) Opt out ( 1 ) In general states A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

8.As stated in 15 U.S CODE 1681! ( 6 ) B contents ( i ) ( a statement that the reinvestigation is completed.
Consumer complaint received 2024-03-16
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 XXXXXXXX Account Number : XXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-16
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. (NC)

i recently viewed my Experian credit profile to see several fraudulent account XXXX XXXX  reporting in my credit profile, i've made several attempts for an investigation from Experian, after i submit a dispute, almost instantly i receive an automatic bot reply, which says The company that reported the information has certified to Experian that the information is accurate. Experian is using FAKE auto generated messages to respond to my disputes and there is no real person investigating.
Consumer complaint received 2024-03-16
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)

XXXX continues to supply wrong information. My XXXX dispute was met with the following message on XX/XX/2024, and reporting same day with the next message The dispute for the account with XXXX XXXX that starts with XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to Experian that the information is accurate. 

( This is after attaching the loan verification document below ) And ... ( on the same web page ) XXXX XXXX has reported Positive Activity : Loan Paid. 
Nice job paying off your loanyour account was last reported as having a Loan Outstanding, but now it's showing as paid with a XXXX balance. 

I also noticed that the other XXXX that they report, XXXX and transcredit took huge hits on the experian site, yet have remained stable for months, over XXXX, untill i complained about this, now they dropped to XXXX XXXXsh each How is it possible that they did any due diligence the XXXX time, let alone the second, and come up with a blanket answer that the account stands, a $ XXXX balance that was paid in full on XX/XX/2024, and a letter from affirm attached to the second dispute stating in fact it was paid?
Consumer complaint received 2023-11-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX This is completely inaccurate. 
XXXX XXXX XXXX This is not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-16
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)

XXXX XXXX sold my acct to XXXX XXXX in XXXX. However XXXX XXXX is reporting OK payment history in XXXX. I have disputed this tons of times and it keeps coming back verified.
Consumer complaint received 2023-10-24
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: EQUIFAX, INC. (NJ)

I have recently review my credit report and realize all these inquiries are not mine as I have reached out to the companies to try to have them removed and explain to them that I have been going through that for the past 4 to 5 years and this was not me. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Hillcrest Davidson & Associates (SC)

On XX/XX/2023 I cancelled my XXXXXXXX XXXX XXXX. I received notice on XX/XX/XXXX through XXXX that a collection has been added to my credit report in the amount of {$37.00}. I have never been notified of any amount due. I have the documentation of the cancellation. I have disputed the debt with XXXX.
Consumer complaint received 2023-12-27
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681. Section 602 states I have the right to privacy and Section 604a prohibits furnishing an account without my written instructions. Under 15 USCS 1666b, a creditor may not treat a payment as late for any purpose. Please immediately remove this inaccurate, unlawful late payment from my credit report.
Consumer complaint received 2024-03-16
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. (AZ)

This noticie is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 15USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer. ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title. A consumer agency reporting shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. The following inquiries are a result of Identity Theft and was not initiated by me. I demand they are DELETED IMMEDIATELY. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-18
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: EQUIFAX, INC. (FL)

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 Balance Owed : {$390.00}, XXXX XXXX Balance Owed : {$160.00}, XXXX XXXX Balance Owed XXXX {$340.00}
Consumer complaint received 2024-03-16
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. (CT)

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 Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : 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 2023-05-06
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: EQUIFAX, INC. (TN)

I am contesting the information on my credit report that I believe is not correct. In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and in accordance with the accepted STANDARD of metro 2 data field reporting. The information has not been proven to be true, correct, or verified.I can't recognize any allegations of wrongdoing without any factual proof. I challenge the reportability of any such claims. According to the federal and state laws that apply to me, you are required to report information accurately and completely.You should not keep or report anything that you know is not in compliance with the law or regulations.I am writing to let you know that you need to make sure everything in my credit report is accurate. This includes making sure that you adhere to all FCRA and METRO 2 format reporting standards. For every account that youre reporting, I need evidence ( physically verifiable ) that you verified the information to be accurate and compliant. For every inquiry I request proof that you confirmed that the creditor had a permissible purpose.I am giving you a month to investigate this matter and determine whether it is still accurate, valid and in compliance. If you can not provide proof that the information is accurate, compliant or valid I demand that you remove it from the report.I would also like for you to mail me physical proof of the actions you have taken to correct my credit report and a new updated report. This will help me stay updated on the progress you are making.The following items on my report appear questionable! Please certify that all claims are true and accurate, complete and timely reported. If not, please delete immediately
Consumer complaint received 2017-12-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CO)

Fax sent today to the Wells Fargo agent : We are extremely confused, concerned and bewildered with the status of our account. We started working with you last XXXX. We have never been informed of anything other than that the account would be reviewed and that the purpose of the review would be to add the arrears to the loan and resume payments. We were even asked by the underwriter if it would help to have some reduction in the payments. Over the course of nearly six months we have complied promptly with every request for information and documentation but at every step we were met with confusion and conflicting information. Frustration abounded when we were told 2-3 times that the emailed or faxed information could not be properly read ( allegedly cutting off the documents ). This was patently untrue. I personally went twice to the local Wells Fargo branch to have them scan and email the requested materials. Within hours I went to a different bank, had them scanned and emailed to both of us. Once again I was told that they were not properly received yet they came perfectly to my email which clearly indicated that the issue was on your end and that the materials were being properly sent. We recently received a checklist of numerous pages of the documents that we had provided. Your document showed over 50 documents that we have submitted, all on a timely basismost within hours or days. It also listed a request for four other documents that we had provided at least three times previously! It asked that these be submitted by next week, however you then called and said that it was not necessary. 
During this process I was never advised that I should be making paymentsit was always that the payments would be incorporated into the loan and therefore we continued putting our money into the home improvements. Our world was shaken when, last week, I received a phone call that said that the refinance was going to be denieda call that came before the date of a letter stating that the file was open and that more documents were requested. The alleged denial was due to a lack of sufficient income. Reference was made to the loan exceeding 40 % of income which is impossible! Attached you will see that the loan is less than 33 % of income. I was told that I could see how this was determined but never told how. I have yet to be able to access this calculation and frankly, there is no doubt in my mind that this is incorrect and that for some reason we are being screwed.
Consumer complaint received 2023-04-19
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. (GA)

This is my multiple endeavors 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 alleged fraud or extortion. 
Please block these items in my file : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX XXXX Balance : {$100000.00} XXXX XXXX XXXX Balance XXXX {$100000.00} XXXX XXXX XXXX Balance : {$100000.00} XXXX XXXX XXXX Balance : {$100000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4500.00} XXXXXXXX XXXX XXXXXXXX Balance : {$100000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$100000.00}
Consumer complaint received 2024-03-16
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: Experian Information Solutions Inc. (MN)

They say I owe {$650.00}. However their accountant for the original collector from ( XXXX XXXX XXXX XXXX ) can not find any debt I owe. I keep disputing because they told me to dispute it on my credit report and the credit bureaus keep telling me its correct and its not so I need help
Consumer complaint received 2023-05-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTEXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-16
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. (MD)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2024-03-16
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. (NC)

i recently logged into my Experian credit file to see a fraudulent XXXX XXXX account reporting in my credit profile, this fraud account appears to have outdated data and not been updated in 2.5 years, i've made several attempts for an investigation from Experian, within minutes after i submit a dispute, i receive an automatic bot reply, which says The company that reported the information has certified to Experian that the information is accurate. Experian is using FAKE auto generated messages to respond to my disputes and there is no real person investigating.