davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-18
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. (MO)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX 15 U.S.Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of Identity Theft! l Please delete these items IMMEDIATELY!

These accounts should not be fumished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. 1 NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT, IS IDENTITY THEFT. As a consumer, I am demanding the deletion of accounts listed IMMEDIATELY! 

I have attached my Identity Theft Report
Consumer complaint received 2023-07-18
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. (CT)

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 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 2023-07-18
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)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
US DEPT ED XXXX Balance : {$200.00} US DEPARTMENT OF EDU XXXX Balance : {$200.00} U S DEPT OF EDXXXX XXXX Balance : {$200.00}
Consumer complaint received 2023-07-18
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. (NJ)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-18
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

STUDENT LOANS ARE NO LONGER WITH XXXX  PER XXXX  ALL MY STUDENT LOANS WERE TRANSFERRED TO XXXX XXXX AND ALL XXXX SEPARATE LOANS WERE PAID IN FULL PLEASE REMOVE XXXX OFF MY REPORTS OR WILL BE SUEING, CREDIT REPORTING COMPANIES ARE NOT INVESTIGATING, ESPECIALLY EXPERIAN, KEEP REPORTING THE SAME INCORRECT INFORMATION, ATTACHING DOCUMENTATION ONCE AGAIN PROVING THAT XXXX DONOT HANDLE MY STUDENT LOANS & THAT ALL XXXX SEPARATE STUDENT LOANS ARE PAID IN FULL WITH XXXX XXXX THAT HANDLES ALL XXXX OF MY STUDENT LOANS, PROOF SENT BY XXXX.
Consumer complaint received 2023-06-15
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. (NJ)

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Consumer complaint received 2023-07-13
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. (FL)

To Whom It May Concern, I am writing to delete the following information in 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 the 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. 

The other credit bureaus have removed everything that was done by the individual who stole my identity PLEASE REMOVE THIS INACCURATE CHARGE ASAP.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

I spoke with someone fro XXXX XXXX. Ive asked if they would update my credit report as Experian does. Although Ive paid I dont see any results.
Consumer complaint received 2023-07-18
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. (OH)

I sold my home XX/XX/2023. XX/XX/2023 XXXX, Experian, and XXXX stated I closed my account and dropped points. The three credit bureaus status changed to " settled for less '' and dropped my XXXX XXXX XXXX points on each bureau. I contacted the creditor XXXX XXXX, they stated " We sent paperwork showing you paid your mortgage in full ''. I contacted The three credit bureaus and explained that I sold a house and I did not settle for less but XXXX said they can't do anything. Experian said they will attach the document but that's it. XXXX said they cant do anything. My XXXX XXXX keeps dropping.
Consumer complaint received 2022-12-19
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. (NY)

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX, XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$2600.00} ), XXXX XXXX XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$490.00} XXXX  XXXX ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$340.00} XXXX XXXX XXXX XXXXXXXX. ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXXXXXX XXXX. ), XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$2200.00} XXXX XXXX  ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$610.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX, ), XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX ), Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2023-07-18
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. (MI)

XXXX XXXX Monday, XX/XX/2023 XXXX Experian Subject : Dispute of Inaccurate Consumer Report Information Dear Sir/Madam, I am writing XXXX and Experian to bring to your attention a matter of utmost importance. There are inquiries listed in my consumer report that do not pertain to any transactions initiated by me, as stipulated under 15 U.S. Code 1681c2.

Upon a careful review of my consumer report, I have identified the following inquiries that I believe to be inaccurately associated with my credit history : XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX  XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX - XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 These inquiries have raised concerns regarding the accuracy and integrity of my consumer report. As per the provisions of 15 U.S. Code 1681c2, it is imperative that the information contained within my consumer report accurately reflects my credit history and transactions. The presence of inquiries unrelated to my activities compromises the reliability and fairness of the report, potentially affecting my creditworthiness and future opportunities.

In light of these discrepancies, I demand that you remove them from my consumer report immediately, as they are not indicative of any transactions initiated by me. I further request that you provide me with a revised copy of my consumer report once the necessary rectifications have been made.

I trust that you will treat this matter with the utmost urgency and undertake a comprehensive review of my consumer report to rectify the inaccuracies in a timely manner. Failure to address this matter appropriately may result in the escalation of my concerns to the appropriate regulatory authorities.

As 15 U.S. Code 1681c2 states once you receive this information, which will be immediately as I will be submitting through the CFPB, you must block this information not later than 4 business days after the date of receipt of : ( 1 ) appropriate proof of the identity of theconsumer ; ( 2 ) a copy of anidentity theft report ; ( 3 ) the identification of such information by theconsumer ; and ( 4 ) a statement by theconsumerthat the information is not information relating to any transaction by theconsumer. 

Which all are in this document. 

This document is drafted by me, XXXX XXXX. It is not made in error nor a misrepresentation of fact. 

Additionally, as mandated by the Fair Credit Reporting Act ( FCRA ), I request that you furnish me with written notification of the actions taken within 30 days from the receipt of this letter. 

Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-07-18
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)

I need to inform you I was the victim of identity theft. I'm disputing the account as it is opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the account. It was opened without my knowledge, authority or consent. 

XXXX XXXX
Consumer complaint received 2023-07-18
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. (CA)

I check my credit report and saw these XXXX accounts being reported as late payments even if I always pay on time. I wanted these accounts to be investigated and delete the XXXX payment notice since I was not late and this is a violation of my rights. Below are the accounts appearing : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-04-21
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: Radius Global Solutions LLC (TX)

I am writing to dispute the following information that appears on my credit report from XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$610.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$450.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
Collection account from RADIUS GLOBAL SOLUTION with account # XXXX and a balance of {$740.00}. The original creditor is XXXX XXXX. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
XXXX account from XXXX XXXX XXXX with account # XXXX and a balance of {$590.00}. The original creditor is XXXX. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$0.00}. The original creditor is XXXX. 

I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible.
Consumer complaint received 2023-07-18
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. (KS)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that XXXX Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-06-15
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. (PA)

this account ( # XXXX ) was opened XX/XX/XXXX and closed XX/XX/XXXX. i received a notice of late payment XX/XX/XXXX XXXX, while disputing another account with XXXX XXXX I have no idea why or how this happens. i was not given no notice of any kind about this account being behind back in XXXX i disputed this but for some reason it was found verified. how can a company just do that to your account. now my credit is down and i have a late payment on my credit report from a company that was suppose to help my credit.
Consumer complaint received 2019-11-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (OH)

I received correspondence in reference to a debt in which is not owed to me at my address. I attempted to contact the debt collector two times, in which I was hung up twice by two unprofessional employees. I called a third time, and mentioned I wanted an address to send information about a lawsuit against the company to, in which the woman transferred me to their quality assurance number, which was just a recording. When I called the second time, the man mentioned that he would remove my phone number from their calling list. When I called the first time, the woman must have put my phone number on their records without my explicit permission after telling her that I do not owe the money to them. 

I have never had cellular service with XXXX in my name. Which is the original creditor mentioned in the correspondence. I was requested to send in a fraud packet to XXXX. 

This company is persistent that I pay them, when I do not owe the debt to them.
Consumer complaint received 2018-10-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Delmarva Collections, Inc. (MD)

delmarva collections of XXXX md - XXXX XXXX XXXX XXXX XXXX md XXXX - XXXX this company is trying to collect a debt i believe i do not owe. i am not aware of any debt i should owe to one of their clients - XXXX XXXX XXXX {$24.00}. delmarva 's internal collection account number is XXXX and the disputed date of the disputed service is XX/XX/2018. i sent a letter to delmarva collections requesting information on the debt they claim i owe. i asked for information not an investigation. i asked for information that the federal trade commission expects collectors to provide as per 1.5 u.s. c. 1681 fair practices for debt collectors. 

i received a letter dated XX/XX/2018 from delmarva stating reference to their internal collection account XXXX they claim that i did not provide enough information about my challenge to this disputed debt. when in fact - i provided everything they could possibly need - i disputed the debt as " service not received '' this is easy to understand - they also state that they are refusing to provide me the information -- they must provide based on the previous stated ftc rule. i expect either for them to provide me this information about the disputed debt or release the debt from my name. this is unfair debt collecting practices.
Consumer complaint received 2023-07-18
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)

I'm writing to officially contest the existence of unauthorized inquiries on my credit report, alleging violations of 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) and ( c ) and 15 U.S. Code 1681c-2. I also want to emphasize that I have never given a consumer reporting agency my written consent to include anything on my consumer report, which is against my rights as a customer whose rights are federally protected. The existence of these illegal hard inquiries on my accounts violates my constitutional rights and is an act of identity theft. 
Before disclosing any details from the consumer. The consumer reporting agency needs to get authorization in writing as is expressly required by 15 U.S. Code 1681c-2. Once again, I want to emphasize that I have never given a consumer reporting agency my formal authorization to include any material on my consumer report. The unapproved inquiries on my credit record are a clear breach of this clause as a result. 
Additionally, 15 U.S. Code 1681b - Permissible objectives of consumer report ( a ) and ( c ) says that consumer reports may only be obtained for purposes, with the written approval of the consumer. I have not given any written permission for the businesses responsible for obtaining or reporting any details if my credit report is subject to unauthorized requests. Therefore, these unauthorized inquiries also violate this clause. 
I demand the immediate removal of all unapproved hard inquiries that are listed on my accounts. These unlawful queries not only violate my rights as a federally protected consumer but also negatively impact my credit worthiness and financial stability. For my credit report to once again be accurate, honest, and fair, their elimination is essential. 
I kindly request that you investigate the unlawful requests on my credit report in detail, because I, the consumer, did not provide any written authorization. You must comprehend how these unlawful queries violate my rights and could lead to identity theft. I rely on you to provide this matter with your undivided attention and prompt consideration. 
I demand that, as a federally protected consumer, you acknowledge receipt of my dispute letter within the 30-day window specified by the Fair Credit Reporting Act ( FCRA ). I am counting on you to investigate the unauthorized inquiries as soon as possible and make sure they are removed from my credit record. If you don't abide by my request, I might take additional legal action to defend my consumer rights. 
I appreciate your quick response to this situation. I'm hoping for a quick decision that defends my rights, deletes unauthorized inquiries, and corrects the information on my credit report. Please don't hesitate to get in touch with me if you require any additional information or proof to help with the investigation. 
Sincerely, XXXX XXXX