davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-19
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. (TX)

I am writing to express my ongoing frustration and disappointment with the multiple attempts I have made to correct a late open accounts on my credit report. Despite numerous efforts to address this issue, the late open accounts remains, causing unwarranted harm to my creditworthiness and overall financial standing. 

I have attached copies of my credit reports, specifically highlighting the late open account, along with supporting documentation that substantiates my claim. 

Despite my persistent efforts, the late open accounts persists on my credit report, causing undue financial stress. I understand the importance of accurate reporting for both consumers and creditors and am disappointed that my concerns have not been appropriately addressed. 

I urgently request that you conduct an immediate and thorough investigation into this matter and promptly correct the late open accounts on my credit report. Additionally, I expect a detailed written response within 30 days of receiving this complaint, outlining the steps taken to resolve the inaccuracy. 

If my concerns are not addressed within the specified timeframe, I will be left with no choice but to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal advice. I am asking for your assistance to correct this late open account in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-19
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. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However, I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-19
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. (NJ)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-19
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. (NJ)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-07
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: EQUIFAX, INC. (MI)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was date d XX/XX/year> but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX Owed : {$50.00} XXXX XXXXXXXX XXXX Owed : {$5700.00} XXXX XXXXXXXX Owed : {$7600.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$22000.00} XXXX XXXXXXXX Balance Owed : {$11000.00} XXXX XXXX Balance Owed : {$6300.00} XXXX XXXX  XXXX Balance Owed : {$540.00} - XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$760.00}
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

Recently, I conducted an investigation on my credit report and it made me really upset that the XXXX reporting credit agencies can claim that they are reporting everything 100 % correct when there are so many inaccuracies between the XXXX bureaus for the account XXXX card. I found that there is unverifiable, invalidated, inaccurate and questionable item that that are obviously not 100 % accurate. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. code 1681 e ( b ) and 15 U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that this account for XXXX card was properly investigated and came back as verified. However, how can that be possible when there are several inaccuracies showing on my report between the XXXX agencies?
Consumer complaint received 2023-12-19
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. (MO)

I am writing to express my frustration and disappointment regarding the persistent challenges I have encountered in attempting to rectify fraudulent items on my credit file. Despite numerous attempts to address this issue, the fraudulent entries persist, causing significant harm to my creditworthiness and overall financial standing.

I have attached copies of my credit reports, highlighting the specific fraudulent items, along with supporting documentation that unequivocally proves the illegitimate nature of these entries.

Despite my persistent efforts, the fraudulent items persist on my credit file, causing unwarranted financial stress and potential harm to my personal and professional life. I am well aware of the gravity of identity theft and the urgency required in resolving such matters to protect both consumers and creditors.

I urgently request that you conduct an immediate and thorough investigation into this matter and promptly remove the fraudulent items from my credit file. Additionally, I expect a detailed and comprehensive written response within 30 days of receiving this complaint, outlining the specific steps taken to address and rectify the situation.

If my concerns are not addressed within the specified timeframe, I will have no choice but to escalate this matter further by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal advice. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance : {$6100.00} XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-19
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. (TX)

Privacy Act of 1974 ( 5 U.S. Code 552a ) The Fair Credit Reporting Act 15 USC 1681 section 602 a states " Theres a need to insure consumer reporting agencies exercise their responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' 15 USC 6802 ( b ) ( c ) states " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' I want to make sure my privacy is not given out or shared with anyone according to 15 USC 6801 that says It is the policy of the Congress that every financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

Consumer reporting agencies XXXX, Experian, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 
Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written\un written verbal and non-verbal per 15 USC 6802. this IS EFFECTIVE Immediately AND Indefinitely. 
XXXX, Experian and XXXX are not maintaining reasonable procedures.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

I recently checked my credit report and sent a complaint to all 3 credit bureaus. I seen wrong dates, amounts, and accounts. They removed some accounts and then added them back on without notifying me or getting permission. From what I know this is against the law. My credit report went up and then decreased tremendously without any reasoning or updates. I have sent them letters saying this along with my ID and proof of address. This is affecting my ability to buy a house and I cant keep waiting on them. They are saying I am not sending in ID and proof of address but I have 3 times. Im tired of fighting and need these accounts removed immediately. I have also taken the time to highlight what was wrong with accounts. Many accounts say open and are marked closed or derogatory and also many accounts say I opened them on 2 different days.
Consumer complaint received 2023-12-19
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 submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-19
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. (NC)

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 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (ND)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Email Address : XXXX Telephone Number : XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX Telephone Number : XXXX Re : XXXX XXXX XXXX XXXXXXXX Unlawful Use of XXXX XXXX XXXX Experian Credit File Account Dear Sir/Madam, I am writing to address a serious matter concerning my Experian Credit File account and its connection to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX True Link '' ). My name is XXXX XXXX XXXX, hereinafter referred to as " the Complainant. '' On XX/XX/XXXX, I had discovered unauthorized activity onto my Experian Credit File account, indicating that individuals may have utilized fictitious, similar, or identical names, and potentially altered their legal names to match mine, in order to establish XXXX XXXX XXXX accounts without my consent. 

It is evident that these individuals unlawfully accessed and misused my Personal Identifiable Information ( PII ), including my social security number, date of birth, address, and etc. to create these accounts. True Link has been complicit in this unauthorized activities by both improperly accessing my Experian credit file account and reporting inaccurate information without my consent. This was noted on XX/XX/XXXX, and XX/XX/XXXX, wherein XXXX XXXX falsely reported my legal residential address incorrectly that does not exist that perpetuate their fraudulent activities despite my lack of any association with XXXX XXXX services. 

I must emphasize the severity of this breach and its implications for my identity security and privacy rights problems. I am demanding immediate action from True Link to close any VISA accounts linked to the misuse of my PII with Experian. Failure to comply will result in legal consequences for True Link, as True Link business establishments are directly responsible for the breach of my Experian Credit File account and subsequent identity theft issues. 

Furthermore, I am legally entitled to receive all pertinent information from XXXX XXXX regarding the individuals who established these accounts using my PII without my authorizations. 

I urge XXXX XXXX to take prompt and decisive action to rectify this situation and prevent any further harm to my personal identifiable information and credit reporting agencies accounts. Failure to do so will result in legal action being pursued to safeguard my rights and hold XXXX XXXX accountable for your actions. 

Please refer to Exhibit A for additional details regarding this matter. 

Respectfully Submitted, XXXX XXXX XXXX
Consumer complaint received 2023-12-19
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. (NC)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries 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 XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-12-19
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. (UT)

delete hard inquiries XXXX XXXX INQUIRIES en Experian : XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX. XXXX XXXX INQUIRIES en XXXX : XXXX XXXX REPORTING XXXX XXXX XXXX - CERTIFIED CREDIT REPORTING XX/XX/XXXX, CERTIFIED CREDIT REPORTING XX/XX/XXXX, CERTIFIED CREDIT REPORTING XXXX XXXX XXXX. XXXX XXXX inquiries en XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 .S. 81 ser hase i. States have the right to privacy. 
XXXX a XXXX XXXX XXXX XXXX stales a consumer reporting agency can not 15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any comator sintinguiny if the person knows or has reasonable cause to believe that the Delete the accounts below :
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX and I'd like to file a complaint against XXXX, XXXX and Experian and all the secondary bureaus. Under the provisions made by the Fair Credit Reporting Act, I have the right to accurate reporting of any and all information pertaining to me. 
With that being said, I'm requesting that : The : Dismissed Bankrupcy that is showing on all XXXX bureaus be deleted immediately. This information is inacurrate and can not be verified. 
Thank you!
Consumer complaint received 2023-12-19
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 proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-02
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (TX)

1. In XX/XX/XXXX, Title Max lied to me saying I would be completed with installment payments in 10 months, after I took out a loan for {$5500.00}.

2. Initial salesperson lied to me and also was belligerent and called me out of my name over the phone, for which she eventually was " fired. '' I found out recently that she was actually moved to another store. This was the 2nd lie by Titlemax, it's manager and franchise owner.

3. Titlemax also charges predatory fees of XXXX XXXXdaily charges. 

4. In XX/XX/XXXX, I tried to settle for XXXX XXXX utilizing all of my tax refund, which they refused. 

5. It is a trick, where every month, you think you are paying toward the balance, but that payment just starts the entire process over as if you have not paid anything.
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (CA)

This complaint is regarding a BARCLAYS BANK account that is being reported as 30 days late for the month of XX/XX/2020. Account number for this complaint is XXXX. This account was late at the beginning of the COVID 19 pandemic. I have tried reaching out during the time and afterwards explaining my financial situation and that I had just lost my job. Being late 1 time because of a pandemic should not be decreasing my credit score 40+ points and this should not be a factor in my creditworthiness. This is considered a COVID relief account and under H. R. 748 -- 200 SEC. 4013. This account should not be reporting as late.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

I recently applied for financing through XXXX XXXX  and was denied. To my knowledge, I have great credit and was shocked. I received a letter from XXXX XXXX stating the reasons for denial, delinquencies, bankruptcies, too many open accounts with high balances, too many applications. None of this applies to me. After multiple attempts to get in touch with Experian, I was finally able to. They stated that my account had somehow been merged with someone else and that this is very common. I was told that a dispute had been filed to have the other person removed and to give it XXXX hours. After attempting to view my credit report online, I again had to call experian to go through their endless prompts that only lead to automated services. Once finally reaching a person and getting assistance to view my report, my report still contains information that does not belong to me. It shows incorrect names, previous addresses that I did not live at, and a co-applicant/spouse, which is also not applicable to me. I was informed on my second phone call that they placed a freeze and I would need to call to get it lifted when applying for credit, none of this information was told to me in the initial phone call about my dispute. I tried to file an additional dispute to remove this information online, but it says I need to call. I tried calling but the disputes department is closed on weekends. I have also tried reapplying for financing and was told I now have to wait 30 days to reapply, and now I am currently without a sofa due to issues that are out of my control. This is extremely frustrating as I take great pride in my credit and living within my means and maintaining an XXXX XXXX XXXX. I dont understand how someone elses credit can just somehow be merged with mine without my consent.
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. (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. 
XXXX XXXX  account # XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX, Account XXXX XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX 15 U.S.C 1681 SECTION 602 A. States i have the right to privacy 15 U.S.C 1681 SECTION 604 A. It also states a consumer reporting agency can not furnish a account without any written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section Sates. No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of Information, other then records of conviction of crimes which antedates the report by more then 7 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.