davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-19
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 appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, TN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-09
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: JPMORGAN CHASE & CO. (LA)

I have Filed a dispute in regards to incorrect items on my XX/XX/XXXX credit Report. it has been well over 30 days and i haven't received any investigation results.
Consumer complaint received 2023-07-12
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 ACCOUNT GIVING ME XXXX I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Please remove this inaccurate information from my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

Per the FCRA as A Federally protected Consumer I am opting out of any and all Authorization I the Consumer may have given you written or non written or verbal and non verbal per 15 united states codes 6802. 


you are reporting a charge off on my consumer report which is a certificate of indebtness, which means you can not report income on my consumer report. Please send me a check in the charged off amount. 

Furthermore I have highlighted the FCRA and FDCPA Violations on my consumer report. You are reporting inaccurate information intentionally on my report. You are also in violation of the Privacy act of 1974. 
15 U.S. Code 1681i - Procedure in case of disputed accuracy ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2023-06-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX by mistake transfer {$1000.00} to someone I dont know but is on my XXXX list. With XXXX I found out is wrong, I try to contact the Bank of America XXXX but is too late, Bank already cly. The next day I went to the Bank Of America, they told me chance is very slim and ask to contact XXXX XXXX
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

A charge off account is showing on my report & the creditor told me that I can not get a copy of the 1099-C document because they did not officially charge off the debt and they didn't take a write off which is a violation because it says on my credit report that it is charged off which equates to false reporting & not reporting 100 % accurately. FCRA violations refers to a violation of the Fair Credit Reporting Act, which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter are not 100 % correct and I demand them to be investigated completely.
Consumer complaint received 2023-11-07
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: Mr. Cooper Group Inc. (TX)

Me. Cooper is reporting XXXX late payments on credit report. The time period of late payment was XX/XX/2020 to XX/XX/2020. Mr. Cooper approved a forbearance period during the pandemic as directed by the Cares Act. The company doesnt not provide the documentation where the forbearance was approved by their company.
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

I hope this letter finds you well. My name is XXXX XXXX, a federally protected consumer. I am writing to inform you that I have recently discovered that I am a victim of identity theft. After returning from a XXXX  in XXXX with my wife, I was shocked to find that my credit has been severely compromised. The past seven years have been spent abroad, making it unnecessary for me to utilize American banks. However, upon returning and checking my credit report, I discovered various fraudulent activities, including unauthorized addresses, a different social security number attached to my consumer report, and unfamiliar names. 

I am deeply concerned about the impact this identity theft has had on my creditworthiness, particularly as it is hindering my ability to provide a stable home for my family. We are currently unable to purchase a house due to the presence of these fraudulent accounts on my credit report. 

To support my claim, I have attached a copy of the police report and the identity theft report, both of which detail the fraudulent activities I have encountered. I kindly request that you thoroughly investigate the matter and take immediate action to remove all fraudulent information from my credit report within four business days. 

Below is a list of the fraudulent accounts that need to be addressed : XXXX. XXXX - Account Number : XXXX XXXX. XXXX - Account Number : XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX - Account Number : XXXX XXXX. XXXX XXXX - Account Number : XXXX XXXX. XXXXXXXX XXXX - Account Number : XXXX XXXX. XXXX XXXX XXXX - Account Number : XXXX XXXX. XXXX XXXXXXXX XXXX XXXX - Account Number : XXXX XXXX. XXXX XXXX, XXXX. - Account Number : XXXX XXXX. XXXX - Account Number : XXXX XXXX. XXXX XXXX XXXX - Account Number : XXXX XXXX. XXXX XXXX XXXX - Account Number : XXXX & XXXX Additionally, I would like to bring to your attention the following fraudulent address and social security number associated with my consumer report : Fraud Address : XXXX XXXX XXXX, XXXX, MI XXXX Fraudulent Social Security Number : XXXX I kindly request that you provide a genuine response to this matter, considering the urgency and severity of the situation. Please ensure that the response is not an automated or generic response from e-oscar. 

I appreciate your immediate attention to this matter and your cooperation in resolving this identity theft issue promptly. Should you require any additional information or documentation, please do not hesitate to contact me at the provided contact details. 

Thank you for your understanding and assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I've recently gone through my credit report and noticed inaccuracies and discrepancies in the listed accounts. 

XXXX : 1. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX  WA XXXX Please remove this inaccurate information from my credit report. 
2. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 
3. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX TX XXXX Please remove this inaccurate information from my credit report. 
4. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX TX XXXX Please remove this inaccurate information from my credit report. 
5. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX CA XXXX Please remove this inaccurate information from my credit report. 
6. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX CA XXXX Please remove this inaccurate information from my credit report. 
7. The status is incorrect for the following account Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 
8. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Please remove this inaccurate information from my credit report. 


Experian : 1. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  WA XXXX Please remove this inaccurate information from my credit report. 
2. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 


XXXX : 1. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  WA XXXX Please remove this inaccurate information from my credit report. 
2. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance Owed : {$8900.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2024-03-19
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. (IA)

I appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be amended right away. 
XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

Without fail, I've kept up with timely payments on this account, preventing any instances of overdue payments. I'm unclear about the rationale behind the late payment remarks on my accounts. Per 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2024-03-19
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. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct :
Consumer complaint received 2024-03-19
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)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-19
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)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-03-19
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)

Upon reviewing my consumer report, I have discovered that there are inaccurate information and discrepancies in the reported accounts. 

XXXX : 1. Under 15 USC 1692g. Validation of debts XXXX XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine. 


Experian : 1. Under 15 USC 1692g. Validation of debts XXXX XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2024-03-19
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 is to express my deep dissatisfaction with the inefficiency and lack of effectiveness in addressing the presence of fraudulent items. Despite numerous attempts on my part to remove these items, I have encountered significant delays and obstacles, which are unacceptable given the severity of the issue. 

As a responsible user, I have invested considerable time and effort in flagging these fraudulent items, expecting a swift and decisive response from your team. 

I demand immediate and expedited action to remove all fraudulent items from my credit file. This includes implementing more robust measures to prevent their reoccurrence in the future. Additionally, I expect transparent communication regarding the steps being taken to address this issue and prevent its recurrence. 

Furthermore, I urge you to review your current procedures for handling reports of fraudulent activity and streamline the process to ensure that such matters are dealt with promptly and effectively. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX Balance Owed : {$540.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX Balance Owed : {$540.00} XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX Balance Owed : {$540.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-21
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. (SC)

I AM A VICTIM OF IDENTITY THEFT. I AM FILING THIS COMPLAINT FOR MYSELF TO REQUEST THAT YOU BLOCK THE FOLLOWING INCORRECT INFORMATION FROM MY CREDIT REPORT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN LOANS AND CREDIT CARDS FROM. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF IDENTITY THEFT. PLEASE LET ME KNOW IF YOU NEED ANY OTHER INFORMATION FROM ME TO BLOCK THIS INFORMATION FROM MY CREDIT REPORT.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-19
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. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-03-19
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. (CA)

I hope this complaint reaches you in good health. I am writing to address and rectify an issue I recently uncovered on my credit report. Upon reviewing my credit history, I noticed inaccurately reported late payments on my accounts. Understanding the significance of maintaining precise credit information, I seek your assistance in correcting this discrepancy. 

Outlined below are the details of the late payments I believe have been inaccurately reported : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX  XXXX. 

Attached are supporting documents, including payment receipts and bank statements, validating that the payments in question were indeed made on time. I kindly ask for a thorough investigation into this matter and the necessary corrections to be made promptly on my credit report. 

Recognizing the importance of maintaining precise credit information for financial transactions and overall financial well-being, I appreciate your swift attention to this matter. I request that the corrected information be reflected on my credit report without delay. 

Should additional information or documentation be required from my end to facilitate the correction process, please feel free to contact me. Thank you for addressing this matter promptly. I eagerly await confirmation of the corrections made to my credit report.
Consumer complaint received 2023-04-21
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CA)

XXXX system attacked my credit with no warning in early XXXX. They never sent debt verification and when I disputed then they flagged my account for more money. These flags damaged my credit so bad I am still trying to recover. Due to this company not having debt validation they were removed from my credit reports. They then waited and in XXXX they sent my information to another company XXXX XXXXXXXX XXXX which practices the same abusive tactics, no information two 5 year old accounts with no debt validation. I am trying to secure my sensitive information because of this company so This is a California consumer privacy Act request, opt out ( do not sell my personal information ), Right to Know, Right to delete. IC system will have 30 days to comply with no extra days allowed.