davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-13
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. (CA)

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : 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 hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2024-01-11
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have not supplied proof under the doctrine of estoppel silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

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. Act Name : XXXX XXXX XXXX, Act Name : XXXX XXXX XXXX, Act Name : XXXX XXXX XXXX Act Name : XXXX XXXX XXXX, XXXX Name : XXXX XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely XXXX
Consumer complaint received 2024-04-25
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. (TX)

The following fraudulent Inquires have been reported on my credit files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and my credit health.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I requested for the removal of all personal information that does not apply to my current personal data. Experian, XXXX and XXXX have violated the law by failing to remove this information. 
The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). A CRA is an entity that assembles and sells credit information and financial information about individuals. While there are three national CRAs in the United States ( Experian, XXXX XXXX, and XXXX ), private investigators, detective agencies, collection agencies, inspection bureaus, companies that sell information to insurance companies and assist in performing background checks, and college placement offices have been deemed to be CRAs under the law. CRAs compile what are called consumer reports, meaning any written, oral, or other communication of any information by a CRA bearing on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. See 1681a. 

Federal, state, and municipal law enforcement agencies may obtain basic identifying information ( name, address, former address, employment ) on any consumer through a CRA. See 1681f. If they want more detailed information provided in a consumer report, however, they generally must seek a court order or subpoena. See 1681b ( a ) ( 1 ).
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2023-04-28
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: Experian Information Solutions Inc. (PA)

I am writing to request the removal of unauthorized credit inquiries on my XXXX, EXPERIAN, and XXXX credit reports. My latest credit report shows 18 credit inquiries that I did not authorize.
Consumer complaint received 2019-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BB&T CORPORATION (TX)

I went to a restaurant XXXX, they charged my debit card twice once for XXXX and again right after for XXXX. That XXXX over drew my account and the bank charged me almost XXXX dollars worth of fees. They told me to wait til the charge drops off cause it was pending and they would get those fees taken off. They aRe now saying they can only do half of those charges back to me. This is ridiculous my account wouldn't be over drawn if it wasnt for a charge I didnt do and their fees. I should get all of those fees back and a chance to bring the balance positive before I'm charged.
Consumer complaint received 2023-09-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (CT)

Remove the following name codes and address codes from Experian data bases regarding XXXX XXXX The following codes are to be deleted and report updated immediately Name Codes -instruction is to delete the following XXXX XXXX XXXX XXXX XXXX XXXX Address codes/ ID -instruction is to delete the following XXXX XXXX XXXX XXXX CT XXXX XXXX
Consumer complaint received 2023-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
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 This account is showing inaccuracies on my credit report
Consumer complaint received 2023-05-10
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. (NC)

I am writing to delete the following information from my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that these items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-05-31
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. (CA)

XXXX of XXXX  it was brought to my attention that there was a plethora of fraudulent information being reported on my consumer report with Experian. I have taken liberty to file an identity theft report ( Report # XXXX ) for fraudulent activity noticed thus far. I am filing this complain because Experian has been reporting fraudulent information to my consumer report for quite some time, and has made no attempts to rectify the adverse actions taken against me.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

It is indeed ridiculous to see XXXX  payments recorded on my account when I have consistently made XXXX payments without any history of being XXXX. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2024-06-10
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)

XXXX  is reporting on my credit report a credit car I never open whit a different social y ready dispute this account with the credit bureau but when they send the paperwork to XXXX  they keep saying that account is mine, but when I called them and I provide the account number that is shown in my credit report, they can give me any information because theyre saying that account is no under my social.
Consumer complaint received 2023-06-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am writing to dispute information on my credit report that I believe is a result of identity theft. The fraudulent accounts listed do not belong to me, and I request your assistance in investigating and resolving this matter. 

These following inquiries was not authorized and should not be reporting. 

Inquiry 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX  filed a small claim against me in the state of Georgia. The judge has ruled and closed this case in my favor. I demand that all these accounts are removed and deleted. I will have documents attached from the judge. Thank you! 

XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-06
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. (FL)

I am writing to express my deep concern regarding the unauthorized inquiries that have appeared on my credit report. Despite my diligent efforts, including multiple written letters and numerous phone conversations with representatives from the credit bureau, these inquiries persist without resolution. Not only do these unauthorized inquiries cast doubt on my financial integrity, but they also impede my ability to achieve my goal of purchasing a home. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure the accuracy of the information in my credit report. These unauthorized inquiries must be addressed and promptly removed by the provisions outlined in the FCRA. 

The following unauthorized inquiries must be removed from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These unauthorized inquiries misrepresent my financial standing and unfairly obstruct my ability to secure a home loan, which is essential for my financial stability and independence. 

I kindly request your assistance in advocating on my behalf to ensure the timely removal of these inaccuracies from my credit report. Your support in navigating this matter and upholding my rights under the FCRA is greatly appreciated.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financial liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance your agency has yet to respond to my questions and statements of the Law. 
Please delete the following unverified fraudulent account : XXXX XXXX XXXX # XXXX THIS ACCOUNT IS A ERROR XXXX, XXXX MISSING INFORMATION. 
THIS ACCOUNT WAS NEVER VERIFIED ERROR FRCA 623 VIOLATION PLEASE DELETE UNRECOGNIZED ACCOUNT.
Consumer complaint received 2024-04-06
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 am writing to assert my rights under the Fair Credit Reporting Act ( FCRA ) and formally request the immediate removal of charged-off accounts from my credit report. The presence of these accounts not only inaccurately reflects my financial standing but also constitutes a defamation of my character. 

Under the FCRA, it is mandated that consumer credit information reported by credit reporting agencies must be accurate, relevant, and timely. However, the charged-off accounts listed below fail to meet these standards and must be removed without delay : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Auto Loan Date Opened : XX/XX/XXXX Status : Account charged off. {$18000.00} written off. {$3300.00} past due as of XX/XX/XXXX. 
Balance : {$3300.00} ( as of XX/XX/XXXX ) Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Auto Loan Date Opened : XX/XX/XXXX Status : Account charged off. {$1400.00} written off. {$2600.00} past due as of XX/XX/XXXX. 
Balance : {$2600.00} ( as of XX/XX/XXXX ) Furthermore, I have never received a 1099-C Form related to any of the alleged debts. It has come to my attention that these companies have utilized the debts as tax write-offs without providing proper notification, which further exacerbates the inaccuracies on my credit report. 

Per FCRA regulations, charged-off accounts should reflect a {$0.00} balance and be removed from my credit report accordingly. I demand that immediate action be taken to rectify this situation and restore the accuracy of my credit report. 

Failure to comply with this request within the mandated timeframe will result in further legal action to enforce my rights under the FCRA. I expect your prompt attention and cooperation in resolving this matter. 

Thank you for your immediate attention to this request.
Consumer complaint received 2024-04-07
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)

I was recently a victim of identity theft and it could be due to the data breach at XXXX where I previously worked. This unauthorized use of my personal information has led to several fraudulent activities including the opening of the unauthorized accounts : XXXX XXXX
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I am writing to formally request the immediate removal of several charged-off accounts from my credit report per the provisions outlined in the Fair Credit Reporting Act ( FCRA ). The inclusion of these accounts on my credit report not only inaccurately reflects my financial standing but also constitutes a defamation of my character. 

Under the FCRA, it is mandated that accurate and fair reporting of consumer credit information is maintained by credit reporting agencies. However, the charged-off accounts listed below fail to meet these standards and require urgent attention : Account Name : XXXX XXXX  Account Number : [ Account Number ] Recent Balance : {$1000.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX Status : Account charged off. {$1000.00} written off. {$1000.00} past due as of XX/XX/XXXX. 

Account Name : XXXX  XXXX Account Number : [ Account Number ] Recent Balance : {$3700.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX Status : Account charged off. {$3700.00} written off. {$3700.00} past due as of XX/XX/XXXX. 

Account Name : XXXX XXXX XXXX  Account Number : [ Account Number ] Recent Balance : {$750.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX Status : Account charged off. {$750.00} written off. {$460.00} past due as of XX/XX/XXXX. 

Account Name : XXXX XXXX XXXX XXXX Account Number : [ Account Number ] Recent Balance : {$4600.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX Status : Account charged off. {$4600.00} written off. {$4600.00} past due as of XX/XX/XXXX. 

Furthermore, I assert that I have never received a 1099-C Form about any of the debts. These companies have utilized the alleged debts as tax write-offs without my knowledge or consent, further exacerbating the inaccuracies on my credit report. 

As per FCRA regulations, charged-off accounts should reflect a {$0.00} balance and be removed from my credit report accordingly. I demand that immediate action be taken to rectify this situation and restore the accuracy of my credit report. 

Failure to comply with this request within the mandated timeframe will result in further legal action being pursued to enforce my rights under the FCRA. I trust that you will handle this matter with the urgency and attention it requires. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I noticed inaccurate information on my credit report for a closed credit card. The information being reported has conflicting open dates, last payment dates, highest balance amounts and credit limit amounts. 

XXXX XXXX XXXX XXXX XXXX XXXX closed account