davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I am known victim of identity theft. I have reported this information to the credit bureaus already but they do not respond to my correspondence at all. The accounts on the report attached here were not authorized by me as a consumer and are the result of fraud. Please assist me in this matter.
Consumer complaint received 2024-03-20
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 writing to file a complaint regarding a violation of the Fair Credit Reporting Act ( FCRA ) by Experian. I looked at my report on XX/XX/year>, and noticed some things are incomplete and inaccurate. According to the FCRA, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. The following accounts are not complete and accurate. 

[ XXXX XXXX ] [ XXXX XXXXXXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX ] [ XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX ] [ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX ] [ XXXX XXXX ] [ XXXX XXXX ] [ XXXX XXXX ] [ XXXX XXXX XXXX ] As a result of this violation , I have suffered financial loss and emotional distress. I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure compliance with the FCRA. I also request Experian be held liable for any damages and penalties as provided for under the FCRA. 

According to FCRA 15 U.S.C. 1681S-2 : 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. 

Check attachments provided
Consumer complaint received 2023-10-15
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-03-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (PA)

Today XX/XX/XXXX they called my son who doesnt even live with me and they harassed him to tell him where am I and they got his number online after stalking the internet and finding relatives of mine which is illegal to do. My son then contacted me and asked why I gave them his number which I never did and they admitted to getting everything online and contacting him to get to me.
Consumer complaint received 2024-04-10
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. (FL)

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 Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXXXXXX XXXX XXXX Account NumberXXXX  has violated my rights. Or a 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 2024-03-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Google Compare Credit Cards Inc. (WA)

I bought a digital Google play gift card from a third party website which I have done several times with no issues. This time I went to Google play and attempted to redeem it and received an error and was directed to give all my personal information to the Google team. I have sent them everything I know of and they respond saying that due to inconsistencies the can't help me with redeeming it. This process has been repeated dozens of times and they now have too much of my personal information for me to feel comfortable while they keep my payments account locked. Now it has been over 6 months since I had access to my Google accounts. I recently requested to drop the case about the redemption of that digital card in question and just unlock my account. They keep directing me to fill out the same form that always fails only giving them more of my personal information. I lose out on the {$50.00} play credit either way so I just want access to my account. I have reached out to all Google customer service departments several times and they are not able to help me. Please use your authority to convince them to unlock my account. Thank you.
Consumer complaint received 2024-03-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

I've consistently made sure that payments on this account are on time, never allowing them to be overdue. I'm uncertain about the reasons for the late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2024-03-20
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)

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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX 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 2023-09-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Card Receivables Fund Incorporated (TN)

Sent the settlement offer to the complaint, which they agreed too. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX OH XXXX Part of the agreement to the settlement was to discontinue legal action. This has not been done. Case is up for adjudication Monday, XX/XX/2023 in the XXXX XXXX XXXX a XXXX XXXX XXXX No. XXXX.
Consumer complaint received 2024-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (OH)

Complaint Details On XX/XX/year> Chime locked and closed my account without notice! I was made aware of this when I was traveling and needed to stop for fuel and my debit card was declined. I immediately opened the chime app to see my balance and was met with a login denial stating I must call customer service. I made the call and they informed me that my account was closed and there was nothing further I could do & no manager or supervisor is available after calling repeatedly being hung up on and rude customer service agents declining my requests stating there is nothing they can do I would be receiving an email to direct my next steps while in possession of {$1700.00} for a reason given of a ACH transfer I made for {$2500.00} from my own personal checking account through a different bank. The email I received stated I needed to provide several documents proving I was the one initiating the deposit and to confirm my identity however I immediately used the link provided to provide all documentation they requested only to receive several automated emails stating to provide the same documents Over several panic phone calls through several days nobody can provide answers or a reason of why my account is closed? I demanded a paper check for the funds in my account as well as permanently closing my account and I am met with a customer service line that barely speaks XXXX and is unwilling or unable to help me resolve this matter I will be seeking out all other account holders that had this issue with chime to start a mass tort lawsuit against chime for damages they have caused! intentionally locking accounts and stealing tax paying citizens funds! I am asking BBB as well as the FTC, CFPB to launch an investigation into these illegal unethical business practices chime is committing and would like to see chimes license to conduct business revoked or suspended as well as warn any other person or entity that chime is literally stealing funds needed to support families/individuals from its customers!
Consumer complaint received 2021-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX - XXXX XXXX - XXXX both of these accounts are on my credit which it shouldnt be according to the reporting act. This account was sold to another lender and the original creditor should not report this information on my credit
Consumer complaint received 2023-07-18
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: AC AutoPay LLC, Denver, CO Branch (TX)

marketed a preapproval program on XXXX  to refinance a car at a lower rate, it said i could get preapproved with no affect on my credit, company i was sent to is autopay.com. didnt like the offers on XX/XX/XXXX so didnt move forward and today XX/XX/XXXX autopay checked my credit and summitted it to XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX i reached out and was told i gave explict consent and " there must have been some confusion sending the application through XXXX XXXX '' the extra inquires are affecting my credit and i didnt give consent
Consumer complaint received 2024-03-20
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. (OK)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2024-03-20
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. (NY)

My credit report was ran several times which looks like someone was shopping around for an auto loan. It was too many to even count. i contacted the credit bureaus and all they told me was that it only counts as XXXX inquiry and that i need to contact the companies directly. I told them that i was supposed to have a XXXX alert in place so the companies could call me first before running my credit and they say sometimes the companies would still run the credit anyway especially for auto loans. These inquiries don't belong to me XXXX XXXX XXXX XXXX experian. 
XXXX XXXX XXXX XX/XX/2024 XXXX. 
XXXX XXXX XXXX XXXX experian. 
XXXX XXXX XXXX experian. 
XXXX XXXX XX/XX/XXXX XXXX 
XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX experian. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX experian. 
XXXX XXXX XXXX experian. 
XXXX XXXX XXXX  experian. 
XXXX XXXX XXXX XXXX XXXX experian. 
XXXX XXXX XXXX XXXX XXXX experian. 
XXXX XXXX XX/XX/2024 experian. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

There are also XXXX fraudulent accounts on my credit report that are not mine. I spoke with someone at these companies and they told me to file an identiy theft report which I am doing now. 
XXXX XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX XXXX amount {$460.00}
Consumer complaint received 2023-11-15
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 XXXX Account # XXXX, has violated my rights. Account # XXXX has violated my rights. Account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 I.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instruction.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MD)

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, Experian and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days. This credit dispute is being submitted as a notification of creditors who are in violation of the XXXX XXXX during the XXXX Pandemic. The accounts that are being disputed, are either in violation of the XXXX XXXX or do not belong to me.
Consumer complaint received 2024-03-20
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)

Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company has no permission to report anything using my info pursuant to 15 usc 1681 4 please provide copy of original documentation from following companies 1. XXXX XXXX 2. XXXX XXXX XXXX XXXX 3.XXXX XXXX 4. XXXX XXXX XXXX XXXX PLEASE PROVIDE ORIGINAL CONTRACT ALSO PAYMENT HISTORY & WHO WAS CONTACTED IN THOSE COMPANIES
Consumer complaint received 2024-03-20
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. (OH)

The following companies provided business credit to a company I own, the credit was for the sole use of the business. The credit cards reported to the business profile with Experian. The credit was open for at least XXXX years. At no point did the credit report to the personal Experian, XXXX, XXXX profile. The credit card companies never requested for a personal guarantee on the credit cards that were open. The business is currently in default and the credit card companies are now reporting to the personal credit profile. This is in violation of my consumer rights. I am in the process of getting a Consumer rights attorney to resolve this matter.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LCI Acquisition Inc. (AR)

In accordance with the FCRA, ( XXXX, XXXX, XXXX, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am Attaching identity and proof of address.
Consumer complaint received 2024-03-20
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. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX Account XXXX : XXXX
Consumer complaint received 2024-03-20
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. (MD)

I am writing to follow up on my previous communications regarding the negative entries listed on my credit report. Despite raising this issue multiple times with your department, I am disappointed to see that these entries have not been addressed or verified accurately.
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: EQUIFAX, INC. (GA)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2024-03-20
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. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. XXXX Account XXXX : XXXX
Consumer complaint received 2024-03-20
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)

The glaring absence of tangible evidence validating its accuracy, along with the dissemination of unsubstantiated information, represents a clear breach of the legal framework delineated in 15 USC 1681i ( 7 ). This regulatory violation is not only disheartening but also frustrating, given the imperative for compliance. Thus, I strongly advocate for the expedited removal of this account in accordance with the law, unless sufficient evidence is promptly provided to validate its legitimacy. Failure to address this issue promptly only exacerbates the frustration stemming from the disregard for legal standards.