davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-10
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. (CT)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$920.00} XX/XX/XXXX XXXX XXXX {$9000.00} XX/XX/XXXX I been disputing these fraudulent inquires and accounts since I discovered I was a victim of identity theft. Nothing is being done. I never did business with these companies nor have any knowledge of them. I didn't give these companies permission to use my information. I have filed in person police reports. I believe it might be a family member using my information.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Creditor : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Account name : XXXXXXXX XXXX XXXX Account number XXXX Shows balance of {$1100.00}. 

Hi experian team, this account was scheduled to fall off from my report on XX/XX/2024. Kindly verify the attached snip which i have shared which shows fall off date as XX/XX/2024. Further to that i called experian customer service three weeks ago to double verify and they told me it schduled to delete on XX/XX/XXXX th However the account didnt fall off from my report and i see them appearing. when i called the customer service they said its schdueled to delete on XXXX. Hence the request is kindly take a look on the snip i provided which shows clearly as XXXX fall off date and kindly honor what i was told by customer service which is XX/XX/XXXX and delete the entry from my credit report. 

Basically the request is you cant show me something and do something.
Consumer complaint received 2023-08-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KLS Financial Services, Inc (SC)

I have no knowledge of anything that is on my credit report. I have not supplied the doctrine of XXXX by silence Engelhardt vs gravens ( mo ) 281 sw 718,719. I presume that no proof of the alleged debts nor therefore any such debt in fact therefore exists
Consumer complaint received 2023-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
Consumer complaint received 2022-10-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX  Account Number : XXXX
Consumer complaint received 2023-08-10
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. (OH)

I have XXXX recent hard inquiries on my credit report that I didn't make. 
They are : Inquiry details XXXX XXXX XXXX ( Bank ) XX/XX/2023 XXXX ( Hotel and travel ) XX/XX/2023 XXXX XXXX  ( Bank ) XX/XX/2023 XXXX my credit report
Consumer complaint received 2022-11-16
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. (PA)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2021-02-18
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. (IL)

XXXX  XXXX should not be reporting to XXXX  ; Experian and XXXX  that I am ( 30-60 ) days late on the XXXX  XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I made arrangements for deferment under the CARES ACT with XXXX  and they assured me that no lates would report to the bureaus on this account. XXXX did no honor our agreement. I was not aware that these lates were reporting until I obtained a copy of my credit report. This false reporting of lates is seriously harming my credit score. This is a violation of the CARES ACT in addition to being a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I request that these lates be removed. I have contacted the bureaus as well as XXXX to correct this however, I have not been successful.
Consumer complaint received 2022-10-24
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: Experian Information Solutions Inc. (TX)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-10-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 XXXX and TransUnion 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 corrected XXXX XXXX Balance : {$360.00} ; XXXX XXXX XXXXXXXX Balance : {$460.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$5000.00}
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

Experian You're breaking the law by reporting XXXX XXXX XXXX XXXX XXXX loan payments as late 8 times and XXXX  late payment. XXXX  account is closed voluntarily. The law does not state reporting late payments. Please reverse the late payments to show pay as agreed, or to a positive payment status as paid. No late payments should be reporting on my credit file. 
15 U.S. Code 1681a ( 2 ) ( I ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681D ( 1 ) ( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; What Is a Transaction? 
A transaction is a completed agreement between a buyer and a seller to exchange goods, services, or financial assets in return for money A sales transaction between a buyer and a seller is relatively agree on the terms, money is exchanged for the good or service and the transaction is complete. 

B2B Payments Definition The definition of business-to-business payments or B2B payments is the transfer of value denominated in currency from buyer to supplier for good or services supplied. B2B payments can be a one time or recurring transaction depending on the contractual agreement made between the buyer and supplier. B2B payments are more complex than business-to-consumer or B2C payments, since B2B payment processing requires more time to approve and settle the transaction which can take days or weeks. 

There are four primary types of financial transactions in the business world. They include ; XXXX. Sales XXXX. Purchases XXXX. Receipts XXXX. Payments XXXX XXXX Date of birth : XX/XX/1971 SSN # XXXX ( last XXXX digits ) XXXX XXXX XXXX XXXX, TN XXXX
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Account name : XXXXXXXX XXXX XXXX Account number XXXX Shows balance of {$1100.00}. 

Hi experian team, this account was scheduled to fall off from my report on XX/XX/year>. Kindly verify the attached snip which i have shared which shows fall off date as XX/XX/year>. Further to that i called experian customer service three weeks ago to double verify and they told me it schduled to delete on XX/XX/XXXX th However the account didnt fall off from my report and i see them appearing. when i called the customer service they said its schdueled to delete on XXXX. Hence the request is kindly take a look on the snip i provided which shows clearly as XXXX fall off date and kindly honor what i was told by customer service which is XX/XX/XXXX and delete the entry from my credit report. 

Basically the request is you cant show me something and do something.
Consumer complaint received 2022-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (CA)

On XX/XX/22 XXXX I emailed chimes Customer support and explain to them that Iam a new father I just had XXXX XXXX and I just came home from being in XXXX. 
I wasnt trying to give some sob story just the truth.. so I asked how can I access my account without the original email and or cell phone number I signed up with.and so when I get a response back on XX/XX/22 @ approximately XX/XX/22 a little after XXXX there employee XXXX stated. Thank you for reaching out to Chime Member Services. For security purposes, if you are a Chime member please contact us again from the email address associated with your Chime Account or in the chat feature of your Chime app. 

If you are a Chime member and can not access the account email, please verify your identity with a picture of your valid government-issued ID and the last 4 digits of your Social Security number. Please also provide a clear photo of yourself ( selfie ) holding both your ID and a piece of paper with your name and today 's date written on it for verification purposes. 

I'll be happy to further assist you in updating your account email address and phone number after. 

Thanks, So I did as I was told and responded back with a picture of my id a piece of paper stating Iam me and the date and time and so Im waiting and now its a different employee emailing me buy the name of XXXX and on XX/XX/22 at XXXX had stated Thank you for reaching out to Chime Member Services. Rest assured that I am here to provide you with the best assistance! 

Please let me know if there's anything else I can help with. 

Thanks, XXXX | Chime Member Services A while goes buy and then I get a email from another employeeemployee buy the name of XXXX and on XX/XX/22 he states he told me they determined my account is being closed because it doesnt match with something and when I continued to try to talk to him as to why whats cause is justified to close my account and he just kept saying read the terms and I said I have and yr stating why my account being closed just not even responding at this point to non of my emails that account still had XXXX bucks So I simply as if they would at least send me my money in a check but I havent received any response and so I asked to get there supervisor to call me and no response nothing I really need my money.
Consumer complaint received 2022-12-02
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. (FL)

XXXX XXXX Account # XXXX is reporting blatant inaccurate, inconsistencies on my report and according to the FCRA Statutes 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. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report.
Consumer complaint received 2022-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX, I got a alert from transunion that my balance increased on my XXXX XXXX XXXX XXXX to XXXX dollars which is Inaccurate. My current balance is XXXX a big difference. Per the Fair Credit Reporting Act in asking the credit bearus fixed this immediately and promptly. I took a screen shirt of the inaccuracies
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-11-11
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: EQUIFAX, INC. (IL)

I acquired my Before credit to check and make sure everything was completed according to 15 USC 1681. I waited 30 days and received my investigation and noticed everything was still the same. Everything still the same consumer report which is Equifax XXXXXXXX XXXX did not modify or remove anything. The date open is not correct date is not correct. All three credit report. Date of last payment is not correct on three credit report which is a violation. This is impacting me from moving forward to buying a house for my family, can you have them correct this by erasing it off my credit report as soon as possible please
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to lodge a formal complaint regarding a disputed account on my credit report, which is adversely affecting my credit history. The account in question is related to an auto loan with XXXX, and I strongly believe that they are inaccurately reporting a balance despite agreeing to a settlement. 

Account Information : Creditor Name : XXXX Details of Dispute : On XX/XX/2022, I entered into a settlement agreement with XXXX to resolve the outstanding balance on my auto loan. Per the terms of the settlement, I paid the agreed-upon settlement amount, which was accepted and acknowledged by XXXX as XXXX satisfaction of the debt owed. I have copies of all relevant documents, including the settlement agreement and proof of payment, for your reference. 

Despite the settlement and full payment made, I am dismayed to discover that XXXX continues to report a balance on this account. This reporting error is unjustifiably harming my XXXX XXXX and affecting my ability to obtain credit and loans at reasonable terms. It is my understanding that once a settlement has been reached, the balance should reflect as {$0.00} on my credit reports, indicating that the debt has been fully resolved. 

Steps Taken to Resolve the Issue : I have attempted to resolve this matter with XXXX directly by contacting their customer service department on multiple occasions. However, my efforts have been met with unsatisfactory responses, delays, and lack of action. Despite providing evidence of the settlement, they have failed to correct the erroneous reporting on my credit file. 

Request for XXXX : I kindly request the Consumer Financial Protection Bureau to investigate this matter and intervene on my behalf. I ask that you ensure XXXX updates their reporting to accurately reflect the settled status of the account and show a balance of {$0.00}. Furthermore, I request that appropriate measures be taken to prevent such inaccuracies from recurring and negatively impacting other consumers. 

Thank you for your assistance in this matter.
Consumer complaint received 2023-09-29
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. (OH)

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 2023-08-01
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. (NC)

I am writing to formally lodge a complaint regarding the inaccuracies present on my credit report, as well as the persistent failure to rectify these errors despite multiple dispute attempts. My aim is to bring to your attention the ongoing issues I have faced in attempting to have my credit report corrected and to request your immediate assistance in resolving this matter.
Consumer complaint received 2024-03-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (IL)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account. 

XXXX XXXX Account Number : XXXX