davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-03
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)

Today is XX/XX/year>. I checked my credit report and saw fradulent accounts opened in my name, please remove these accounts. I never applied for these accounts nor I used these services from the companies listed below : XXXX XXXX XXXX XXXXXXXX XXXX {$21000.00} XXXX XXXX XXXXXXXX XXXX {$20000.00} XXXXXXXX XXXX - {$7700.00}
Consumer complaint received 2024-04-03
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 XXXX is reporting my account with them as late for the passed 4 months- disputed with all the reporting agencies all come back as verified when I sent clear evidence there was a mistake - XXXX XXXX has tried summiting the proper information to the agencies and but they are still reporting wrong information on my report.
Consumer complaint received 2024-04-03
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. (AZ)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXXXXXX XXXX Account Number : XXXX Delete this account. 


2. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Delete this account. 


3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report. 


4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report. 


9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report. 


10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report. 


11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS CONSUMER XXXX XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report.
Consumer complaint received 2024-04-03
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. (IN)

I have mailed / certified mailed each credit bureau multiple letters requesting them to uphold Consumer law and Fair Credit Reporting act ( FCRA ) -15 U.S.

Code 1681i ( a6 ) & 15 U.S. Code 1681i ( a7 ) as well as numerous violations to 15 U.S code 1602. I have received one letter back stating that they " appreciate me for trying to fix my credit but they could not confirm that it was me sending in the info because it was sent from a credit repair company. '' even though i had my valid drivers license and current lease agreement attached to the bottom of each dispute letter. I've also called each bureau and spoke with agents for them to remove all incorrect information on my reports where they attempted to lie to me and tell me they couldn't be removed bc their are creditors attached to the incorrect names on my report. At one point i had 6+ incorrect names on my credit report and believe today i still have 2 or 3 in correct names and address attached to my credit report. FOR THE RECORD MY NAME IS XXXX XXXX ; XXXX XXXX Dates amounts and account numbers are in attached documents. 

I am aware that my personal information is not to be shared or made public without my consent and I DO NOT CONSENT to any negative item, or collection or late payments to be on my consumer profile report
Consumer complaint received 2024-04-03
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: Experian Information Solutions Inc. (CA)

I sent have disputes back in XX/XX/2024 and had signed up to to be able to lock my account but I was unfortunately never able to due to the system being down or service not available. 
My address is also incorrect and want it to be corrected. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX My rights and privacy have been violated I have requested the deletion of the following inquiries due it not having my permission nor does it have any permissable purpose on credit report. 


XXXX. XXXX  XXXX XXXX XX/XX/2024 This inquiry has no pemissibel purpose to XXXX on my report,. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX XXXX - XXXX XX/XX/2024 This inquiry has no pemissibel purpose to XXXX on my report,. Delete this inquiry due to violation of 15 USC 1681b. 


XXXX. XXXXXXXX XXXX XXXX XXXXXX/XX/2024 This inquiry has no pemissibel purpose to XXXX on my report,. Delete this inquiry due to violation of 15 USC 1681b. 


XXXX. XXXXXXXX XXXX XXXX XXXXXX/XX/2024 This inquiry has no pemissibel purpose to e on my report,. Delete this inquiry due to violation of 15 USC 1681b. 

I want these inquiry deleted. 
.
Consumer complaint received 2023-11-23
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. (MD)

Equifax is NOT in accordance with the Fair Credit Reporting Act ( FCRA ) and NOT in compliance with the Fair Credit Reporting Act ( FCRA ) in Deleting and Removing, Unauthorized Inquiries from my credit report/file. See : 15 USC Section 1681 ( Section 602 ), FCRA 604 ( b ) ( 3 ) ( F ), 609 ( a ) ( 3 ) ( F ), 611 ( a ) ( 1 ) ( B ), 623 ( a ) ( 1 ) ( c ), 611 ( a ) ( 1 ) ( A ), 609 ( a ) ( 3 ) ( A ), 605B, FDCPA 809 ( b ). 
The Unauthorized Inquiries are as followed : XXXX XXXX  : XX/XX/2023 XXXX XXXX : XX/XX/2023 XXXX XXXXXXXX : XX/XX/2023 XXXX XXXX : XX/XX/2023 2023
Consumer complaint received 2024-04-03
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. (AL)

I have been sending dispute a verification and also validation letters for the past 3 years for my XXXX XXXX account and the entire time I keep receiving a bill nothing else. All three bureaus have been reporting late payments on my credit cards that I disputed that also came back as verified. They are in violation of the FCRA and metro2 compliance and reporting guidelines. The reporting of excluded information pursuant 15 USC ( A ) ( D ) ( 2 ) ( A ) ( I ) to a consumer report is a clear violation of Metro2 compliance. 

A clear violation of 15 USC 1681 and that states The term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to in such a short amount of time. 

Clearly they didnt investigate and this has been detrimental to my credit. 

The most recent tracking numbers are XXXX Experian- XXXX XXXX XXXX
Consumer complaint received 2024-04-03
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

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 2024-04-03
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. (IL)

On XX/XX/2024 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

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 2023-11-23
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

Credit Inquiry for a Capital One Credit Card without my knowledge. Likely fraud. Contacted Capital One so that they can freeze the credit card. There is an inquirer on my credit report however that has effect my score. XX/XX/23 was the date.
Consumer complaint received 2024-04-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (NY)

I UNDERSTAND THAT FCRA 605B MANDATES THE REMOVAL OF ANY INCORRECT ACCOUNT FROM MY CREDIT REPORT. COULD YOU PLEASE REVIEW THE DOCUMENTS? SOME OF THE LISTED ACCOUNTS HAVE INACCURACIES, WHICH IS CAUSING ME DISCOMFORT.
Consumer complaint received 2024-04-03
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. (CA)

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.

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 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PR)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-04-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I sent a dispute letter challenging the account on my credit report that is reporting inaccurately. The account is XXXX XXXX XXXX  XXXX. I informed Experian that the account information is not correct such as the balance and payment history and somehow, they claimed that it was verified. Experian is reporting XXXX late while XXXX and XXXX have since deleted this account per the agreement with the original creditor. This account was to be removed once the account was paid satisfactorily. Furthermore, the account is not reporting accurately. How does this meet FCRA regulations? I do not believe an investigation was done. You have failed to validate this account. Additionally, as per the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611, Subsection A-D ), please provide me with the names and business addresses of each individual who verified the aforementioned items, so that I can follow up accordingly. If you can not furnish this information, remove the account from my credit report. I attached the dispute letter, which is dated, and time stamped along with the inaccurate credit report.
Consumer complaint received 2024-04-03
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. (IL)

I want to emphasize that I have no connection with these creditors, and I did not initiate this inquiry on my credit report. I urgently urge you to promptly remove it without any further delay. I also request a thorough investigation into this matter and swift correction of the error by removing the unauthorized inquiry from my credit report. Your prompt attention to this issue is deeply appreciated.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2023-11-02
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. (MI)

Dispute date XX/XX/23 confirmation XXXX still open Dispute over 30 days ... Dispute date XX/XX/23 confirmation XXXX shows open Dispute no results over 30 days I have not seen any results. XXXX XXXX  account.
Consumer complaint received 2024-06-04
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: ALLIANT CREDIT UNION (CA)

I am experiencing an issue with Alliant Credit Union regarding the transfer of my solar loan. According to my " Solar Energy System Long-Term Loan Agreement and Promissory Note, '' there is a provision that allows for the transfer of the loan to a purchaser of my residence, subject to lender approval. However, Alliant Credit Union, through XXXX XXXX, has refused to allow the transfer, even thought the new purchaser is eligible for the loan, stating that they do not allow any transfers of solar loans. This response contradicts the terms specified in the loan agreement, and no specific reason or criteria for the refusal were provided. I am seeking assistance in resolving this matter to ensure that the lender adheres to the agreed terms of the contract.
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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-01-10
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: CAPITAL ONE FINANCIAL CORPORATION (IA)

I've recently had Capital One and XXXX view my credit report without my knowledge or someone is using my information to open an account. I tried to dispute it through the direct credit companies but still no result. This is affecting my credit score. 

CAPITAL ONE BANK USA XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have been a long standing customer with Capital One ; I have always showed great diligence with paying my credit cards in timely manner. I have 4 payments showing late during XX/XX/2019, XX/XX/2019, XX/XX/2019, and XX/XX/2019. I have written letters to the CEO of this company, as well as made several phone calls to this company in an effort to have these remove these items as it has not only tainted my credit report, prohibited my growth, financially, and has strongly effected my ability to gain membership with Capital One and other creditors as well.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

Termination letter Dear XXXX I, XXXX XXXX, consumer, and natural person, am aware of all rights that i have, and which are protected by the Congress under the fair credit reporting act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confuse under 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1691 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.