davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-17
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: Experian Information Solutions Inc. (CA)

This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information.

You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately.

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 

3. I did dot give them permission to check my credit you will not find my signature on these XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report.
Consumer complaint received 2023-07-17
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. (NY)

On XX/XX/2023 I submitted letters to XXXX, Experian, and XXXX asking them to reinvestigate the information previously disputed and provide who they verified the inaccurate information reporting on my credit report with and I have not received a response. The date is now XX/XX/2023 and I understand the next step is litigation, however I am giving the bureaus a chance to rectify this situation. I want to formally file a complaint and receive the fair response that I am due. Please hold these companies accountable.
Consumer complaint received 2023-07-17
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. (MN)

There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.
Consumer complaint received 2021-05-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (TX)

I.C. System states on my XXXX  report I have a medical debt collection of {$300.00}. I disputed this immediately due to the XXXX violation through XXXX XXXX, where it was immediately removed, but it was not removed on Experian, despite also disputing the report on there. I need this removed on XXXX  since it was already resolved with XXXX XXXX.
Consumer complaint received 2023-01-24
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. (NC)

I am a natural person, I am a living human being, I have the rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts
Consumer complaint received 2023-07-17
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: Experian Information Solutions Inc. (IL)

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 2023-07-17
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. (FL)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.
Consumer complaint received 2023-07-17
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: 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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Consumer complaint received 2023-07-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (GA)

This creditor XXXX XXXX has been harassing and negatively reporting me to the credit bureaus for years for a debt that's not mine. There currently are using collection agency of Credence Resource Management LLC. I've disputed this and asked for proof of validity and my signature of this allegation. They have failed to present proof that this is my debt.
Consumer complaint received 2023-07-17
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. (NY)

XXXX  acct was fraudulently open in my name in XX/XX/2019. This occurred during the time of my identity being compromised. After discovery I contacted creditor to make aware of the fraud. I advised them of the identity theft. They then proceeded to close the card to prevent it from further use. At this time, I contacted the bureaus to have them aware of this. I put fraud alerts, froze my file, also contacted identity monitor along with filing law enforcement report, CFPB as well.I thought I was ok. Years passed, I realize its still reporting to my credit. XXXX XXXX CARD DID NOT CLOSE MY ACCOUNT AS PER DISCUSSION, THEY CLOSED IT OFF AS A CHARGEOFF AS A BAD DEBT AS IF I WAS LIABLE FOR THESE CHARGES. THEY WERE AWARE OF FRAUD, ITS WHY THEY CLOSED CARD POST INITIAL INTERACTION. I AM COMPLAINING TO XXXX XXXX  AND XXXX, EXPERIAN, XXXX BUREAUS SHOULD HAVE REMOVED IT DUE TO FRAUD. SHOULD DELETE, THIS IS FRAUD! XXXX IS FALSELY REPORTING ON MY CREDIT, ILLEGALLY FRAUD!
Consumer complaint received 2023-07-17
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. (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 2023-07-17
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. (NV)

There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.
Consumer complaint received 2023-07-17
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (LA)

Both avenues to make payments was down. Using the phone, after I entered my payment information the phone app canceled my transaction. So I went to the app. The app did the same thing after I entered my checking account information the app canceled the process. And they will do nothing about it except charge a late fee. This is an unfair process for customers. Something needs to change. Who is accountable??? Just the customer
Consumer complaint received 2023-07-16
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. (MI)

A couple years ago I noticed money going in and out of my bank account which was not me so after noticing I called and closed my bank with no issues. About a year later I see a collection post on my credit which dramatically dropped my score for the amount of {$1900.00} and it said it was a loan. I never applied for a loan of any nature so i reported it instantly with Experian and they took a while just to deny it. I waited the required amount before disputing it again. After speaking on the phone and explaining the dispute it was promised to be further looked at but instead was denied. I tried once more with the same outcome and it was denied. Which made me unable to even attempt to dispute it again. I then was getting calls from a number of a Law firm so I answered and was told I owed {$1900.00} for a loan so i said No and explained my dispute. She then listened and said she would send me a packet. She sent me a packet which looks like an online loan that was applied through using my name, information, SSN, and Electronic made up signature for the amount of {$1200.00}. Which means they waited till full interest accrued before reporting it to my credit on a loan that I had no knowledge of and was falsely applied for. Please help as my credit is taking a toll from this.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (CO)

Last year I settled an account with AMEX at the time Off settlement I spoke with the representative at lengths about after I paid the balance it would be removed from my credit report. I have called Amex multiple times and spoken to supervisors that saw the notes on my account that certified they would remove this from my credit report. They have still failed to do so after i have called and repeatedly a supervisor verified they would remove the account from my credit report Also XXXX XXXX  is not reporting correctly the account. It is paid and full with a XXXX balance. I have repeatedly asked them to fix this and they havent.
Consumer complaint received 2023-07-17
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)

Victim of identity theft, accounts listed have been opened fraudulently without my knowledge of consent. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Also the following names are incorrect please remove ; XXXX, XXXX, XXXX XXXX addresses ; XXXX XXXX XXXX XXXX, XXXXXXXX XXXX CA XXXX Incorrect employer ; XXXX Attached is a copy of my FTC Affidavit, Dispute Letter, SSN, CA ID
Consumer complaint received 2023-07-17
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. (NY)

Today, I am filing this CFPB Complaint to notify the Credit Bureaus that I have fallen victim to identity theft. After doing some research, I learned that I must contact the FEDERAL TRADE COMMISSION or visit https : //www.ftc.gov to file a report. According to section 605b of the FCRA, the Credit Reporting Agencies are mandated to delete all accounts and information listed on an IDTHEFT REPORT. Upon receiving a copy of my credit report, I was alarmed to discover that there are numerous accounts that I did not open nor have any knowledge of. Please find the ATTACHED documents to help in deleting the erroneous information being posted on my report. The items in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023. I would like to highlight that I did not open any of these items or give anyone permission to do so on my behalf. I am convinced that this is a case of identity theft, and I am taking measures to report this to the authorities. According to FCRA Section605B ( a ), the CREDIT REPORTING AGENCIES should block any data in a consumer 's file that the consumer identifies as information arising from identity theft within four business days of receipt.
Consumer complaint received 2024-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

IN XX/XX/year> I GOT AN EMAIL STATING THAT ON XX/XX/XXXX AND XXXX FROM TRANSUNION OF INQUIRES OUT OF NOWHERE THEY SAID THROUGH XXXX XXXX WHO HAS NO KNOWLEDGE OF THE INQUIRES WHEN THEY CHECKED YET ITS ON TRANSUNION I ASKED TRANSUNION TO DELETE THESE FRAUDULENT INQUIRES AND THEY SAID THEY WOULD BUT STILL NOTHING MONTHS LATER.I WANT THESES INQUIRES REMOVED IMEDIATELY FROM TRANSUNION REPORT
Consumer complaint received 2023-07-17
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX Balance : {$630.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX ) XXXX Balance : {$730.00} XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Balance : {$840.00} XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX : {$580.00} XXXX XXXX  XXXX XXXX Balance : {$460.00} XXXX  XXXX Balance : {$5300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX. 
According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-07-17
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. (KY)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX 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. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-11
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. (NV)

I AM TRYING TO BUY A HOUSE AND ITS DEFAMATION TO MY CHARACTER AND LIVELIHOOD. I HAVE ALREADY CONTACTED THE COMPANIES TO WHERE THE ACCOUNT WAS MADE, SENT LETTERS TO DISPUTE IN 2022. I HAVE REPORTED IDENTITY THEFT AS WELL AS REPORTED DATA BREACH.