davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2023-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NH)

I pulled my Experian credit report and notice a lot of wrong information from my name to my addresses on XX/XX/23 I sent a dispute letter to Experian to update the information. They update some and left others such as ( wrong name and address ). On XX/XX/23, I sent a second round of dispute asking for my personal information ( addresses, name and employer ) Experian only update the employer and left the rest. On XX/XX/23 I sent a third letter to update my address and name. On XX/XX/23 Experian sent me an email with the results stating name was update. I pulled my credit report yet again and no name or address has been update. I can not keep sending them letters because now it is costing me too much and is a direct violation of the FCRA.
Consumer complaint received 2023-07-16
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. (TX)

Upon checking into my credit report last month ( XX/XX/XXXX ) I noticed many incorrect names, addresses, and credit accounts linked to my credit profile I have disputed some of them and they have been removed but there are quote a few that remain to this day that are incorrect see the below some are reporting to all 3 bureaus Experian, XXXX, XXXX incorrectly XXXX XXXX- open XX/XX/XXXX amount {$700.00} XXXX XXXX- open XX/XX/XXXX amount {$1600.00} XXXX XXXX- open XX/XX/XXXX amount {$1900.00} XXXX XXXX- open XX/XX/XXXX amount {$66000.00} XXXX XXXX XXXX- open XX/XX/XXXX amount {$520.00} XXXX open XX/XX/XXXX amount {$1400.00} XXXX XXXX XXXX open XX/XX/XXXX amount {$10000.00} XXXX open XX/XX/XXXX amount {$150.00} XXXX XXXX XXXX XX/XX/XXXX amount {$1100.00} XXXX XXXX XXXX- open XX/XX/XXXX amount {$1600.00} XXXX XXXX XXXX open XX/XX/XXXX amount {$1900.00} XXXX XXXX- inquired on XX/XX/XXXX XXXX XXXX inquired on XX/XX/XXXX
Consumer complaint received 2023-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I have disputed this inaccurate information on my report for months, it is still causing a tremendous hardship and the information remains : =============================================== Overview Reference Number XXXX Date Filed XXXX. XXXX, XXXX Classification Bankruptcy Type XXXX  XXXX Bankruptcy Responsibility Individual Asset Amount XXXX =============================================== Overview Reference Number XXXX Date Filed XXXX. XXXX, XXXX Classification Bankruptcy Type XXXX  XXXX Bankruptcy Responsibility Individual Asset Amount XXXX ============================================== DEPT OF ED / XXXX Reported : XXXX. XXXX, XXXX {$73000.00} In good standing ============================================== XXXX XXXX XXXXXXXX XXXX Balance {$1700.00} Balance updated XX/XX/XXXX XXXX closed account
Consumer complaint received 2023-07-16
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. (TX)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-07-16
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. (PA)

I have received my credit report and there are several inquires that do did not have my permission to be on my report. These hard inquires are hurting me from being approved. I have already reached out to XXXX, Experian and XXXX multiple times they keep violating my rights 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. 

Account nameXXXX XXXX on Experian credit Report is XXXX XXXXXX/XX/XXXX, On XXXX Credit Report there are XXXX hard inquires listed that need removed are XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX On XXXX credit Report there are XXXX Hard Inquires listed XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX has violated my rights and these hard inquires need removed immediately. 

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 2023-07-16
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. (NJ)

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 XXXXXXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2024-04-03
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: EQUIFAX, INC. (NC)

To Whom It May concern : There have been multiple disputes forwarded to the following Credit Bureaus on a specific item on my Credit File ( s ) Equifax XXXX XXXX There has been several attempts made to correct these matters. But every time a response is returned by the Credit Bureaus one or the other will send out a letter sent back from them stating it does not look as if the written communication is coming from me. This is a tactic that is in violation of my rights. And i need something done about it.
Consumer complaint received 2023-07-16
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. (MS)

I have disputed accounts that are inaccurate and incomplete on my credit report with the Experian, XXXX, and XXXX. I began disputing the duplicate accounts and inaccurate accounts in XXXX of 2023 seeking for the accounts to be removed due to inaccurate information. It is now XXXX and the credit bureaus and creditors have failed to remove the inaccurate accounts from my credit reports. The duplicate accounts are in the amount of {$52000.00} and {$9000.00}. The creditors have reviewed the accounts and still reporting to the credit bureaus that the account in reporting under accurate information under the Fair Credit Reporting Act which is false. I have included documentation. XXXX reported the accounts as charged off on XX/XX/2023. On XX/XX/2023 XXXX proceeded to report an already charged off account as 120 days past due, again, drastically affecting my credit and daily life. This is uncceptable and XXXX fails to comply with the Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Consumer complaint received 2023-07-16
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. (MD)

I have repeatedly disputed a debt that XXXX has sold to multiple collection agencies. The information is incorrect and the companies that keep selling to one company and another without having any verifiable information keep reporting the information as accurate. The credit reporting agencies keep reporting this information without requesting verification. I keep having to dispute this information and have it removed and a few months later the information is sold to a new collections agency only to have it re-reported. The new collections agency is XXXX XXXX XXXX which I have NO Business contracts with.
Consumer complaint received 2023-07-16
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. (NC)

I recently checked my consumer/credit report and I noticed inaccurate and negative items being reported between the three consumer reporting agencies Experian, XXXX and XXXX. I found that all three scores and information being reported by the aforementioned reporting agencies do not correlate.
Consumer complaint received 2023-07-16
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. (CA)

XXXX XXXX has reported to all XXXX bureaus a 30 day late payment. According to the FRCA, creditors can report a later after 30 days. They have acknowledged that the payment was received on the XXXX day in XX/XX/2023, yet refuse to update their incorrect reporting. I have disputed this with all 3 bureaus as well, however the outcome has not changed.
Consumer complaint received 2023-07-16
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)

I have lived and worked in XXXX XXXX since XXXX and the only accounts that I have are student loan accounts. Between XXXX and present, someone has stolen my identity and used it to build credit and then take out high value credit cards, run up the balance, and then have them go into collections. XXXX  as used to build up this credit. Bank accounts for were opened in my name, phone and utility accounts.

XXXX  refuses to admit fault in allowing these these accounts to be fraudulent accounts. I have filed police and ftc reports. They just keep saying public information points to these being accurate but my entire identity Ive true past 7 years has been a fraud as I simply dont live in the US XXXX All my credit is in XXXX XXXX where I live and work.
Consumer complaint received 2023-07-16
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. (PA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-07-16
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)

Someone has applied for a mortgage loan that was not me ( XXXX XXXX XXXX XXXX. Using my personal documents SSN. identity theft on my consumer report. Please remove all accounts off my consumer report please.
Consumer complaint received 2023-07-16
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX :
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

I am writing to dispute several pieces of inaccurate information that I have found on my credit report. I request that these items be removed as soon as possible. 

XXXX. XXXX XXXX XXXX accounts are listed with the same ending account number ( XXXX ) but they are in fact different accounts. 

XXXX. The XXXX XXXX account listed on Equifax for {$20000.00} has an incorrect account number. The correct ending account number is # XXXX. 

XXXX. The XXXX XXXX account listed on Equifax for {$12000.00} also has an incorrect account number. The correct ending account number is # XXXX. 

XXXX. There is a discrepancy in the amounts owed to the company XXXX XXXX XXXX XXXX XXXX XXXX accounts. Theyre stating the amounts that need to be paid is {$22000.00} and XXXX XXXX8.The XXXX XXXX accounts XXXX on Equifax State {$20000.00} being owed ) and ( XXXX account states {$20000.00} for XXXX XXXX ) being owed but the amount that needs to be paid is {$22000.00} they also have the XXXX XXXX account for {$3200.00} and it say amount owed is {$3400.00}. And this is on Equifax, XXXX XXXX, XXXX. 

XXXX. XXXX XXXX XXXX XXXXXXXX account # XXXX for the amount of {$4800.00} needs to be disputed on both XXXX and XXXX reports. 

XXXX. XXXX XXXX XXXX account # XXXX in the amount of {$4200.00} needs to be disputed on both XXXX and Equifax reports. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account in the amount of {$890.00} needs to be disputed on Equifax, XXXX XXXX, XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$480.00} needs to be disputed on both XXXX and Equifax reports. 

XXXX. XXXX XXXX collection/write off in the amount of {$8100.00} needs to be disputed on XXXX. 

I demand these items be removed immediately from my report. According to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681 et seq., all information must be correct and accurate. I have included copies of my bank statement, and my driver 's license from the state of Florida for verification purposes.

I look forward to your prompt attention to this matter. Please inform me as soon as these corrections have been made.
Consumer complaint received 2023-07-16
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 Reporting Act, The listed account below has violated my federally protected consumer rights to privacy and confidentially under / / 15 USC 1681. 

Acct Name : XXXX XXXX XXXX / / Acct # XXXX Acct Name : XXXX XXXX XXXX XXXX XXXX Acct. XXXX has violated my rights. 

15 U.S.C 1681 SECTION 602 A. States I have the right to privacy.

15 U.S.C 1681 SECTION 604 A. Also, States 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 or any other adverse item of information, other than records of conviction 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 2023-04-20
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. (NY)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXXXXXX, XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX  XXXX, XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
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. (MS)

In accordance with the credit fair act the following information needs to be removed. I have recieved notice from each credit bureau saying that everything is correct and has been verified. XXXX account # XXXX, XXXX XXXX acc # XXXX, XXXX XXXX XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX, XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX 15 u.s.c. 1681 sec 604a states i have the right to privacy 15 u.s.c. 1681 sec 604 a sec 2 also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (VA)

XX/XX/XXXX, We chose the best center seats with full view of center stage and paid in full {$1500.00} online at XXXX for 4 tickets for XXXX at XXXX XXXX in DC XX/XX/XXXX, We printed the tickets from the sales confirmation email just minutes before the show, they are the worst seats in the XXXX XXXX, only XXXX of the center stage can be seen. They are not the full view of the center stage seats that are written in the email of the sales confirmation from XXXX. 

The total value of the tickets is {$510.00}. Copies of the value & seat number of each ticket are in the attached image files. The image file of the sales confirmation is also attached. 
The total markup is {$1000.00}, staggering 2 times more than the ticket value, its a crime to steal money this way. It looks like a online tickets scam. 

XX/XX/XXXX, I reported the dispute to Chase at XXXX, Chase refused to refund. 

Solution request : {$1000.00} to be refunded as soon as possible.