davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-21
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)

In accordance with the Fair Credit Reporting Act, These are the accounts that violated my rights. XXXX XXXX XXXX is not able to show the account number on the Consumer reports just as XXXX. 

XXXX XXXX XXXX Account XXXX Charged off XXXX XXXX Account # XXXX Charged Off XXXX XXXX Account # XXXX Charged Off XXXX XXXX XXXX Account # XXXX Charged Off XXXX XXXX Account # XXXX Charged Off - Identity Theft Should not be on here was reinserted and this company owes me {$1000.00} based on 15 USC 1681i and 15USC 1681 ( ii ). This account was deleted and put back on my account. 

XXXX XXXX Account # XXXX Chaged XXXX XXXX XXXX Account # XXXX Showing late / Incorrect 15 USC 1681s-2 ( a ) ( 1 ) ( 1 ) A person shall not furnish information relating to a consumer to any consumer reporting agency. 

15 U.S.C. 1681 section 601 A, States I Have the Right to privacy.

15 USC 1681eb, About Charge, offs which is canceled debt or as ordinary income and it is canceled debt and the company has filed it on their taxes. So these Chargeoff accounts should not be on Consumer Report 15 U.S.C. 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C. 1681 Exclusion 15 USC 1602 ( I ) Social Security card is a credit card 15 USC 1682 a ( D ) ( 2 ) ( B ) any extension of credit should not be reported on a consumer report 12 USC 1431 Banks can not extend Loans or Credit because Banks are borrowers off on my Social Security Number which is an Open Ended Credit.

Along with 15 USC 1602 ( I ) and 15 USC 1602 ( j ), 15 USC 1602 ( N ) 15 USC 1682 A ( 2 ) Permissblabe purposes of consumer reports XXXX closed out an open-ended credit card and violated it by closing the account due to checking the consumer credit report without my permission n and closing the account. 
Please remove the Inquiries I did not give permission to XXXX XXXX XXXX XXXX XXXX on here 2 times should not be on here period already had an account from 4 years ago.XXXX and XXXX XXXX Also not reporting my Correct name which is XXXX XXXX XXXX XXXX my name is not a derivative. Also should be a report on the file of identity Been Stolen through a Data breach, and a Male that has all my information social security and Driver 's license information
Consumer complaint received 2022-10-21
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$35000.00}
Consumer complaint received 2022-10-21
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)

This is my several attempt to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
This account is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2015 Balance : {$45000.00}
Consumer complaint received 2023-07-23
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. (OK)

I am having an issue with Experian removing XXXX previous, irrelevant, and outdated mailing addresses in the personal information section of my consumer report. I can not receive any mail or legal documents at these previous mailing address. 

Experian also have XXXX different versions of my name listed. I've submitted a request to remove all versions of my name and correct my first, middle, and last name on XX/XX/2023, and XX/XX/2023. They failed to do so. I also called Experian on XX/XX/2023 and spoke with a representative with no success. 

I've submitted a request to move all outdated mailing addresses on XX/XX/2023, XX/XX/2023, and XX/XX/2023. Again, I called Experian on XX/XX/2023 regarding this as well with no success. 

XXXX and XXXX on the other hand, removed all of the outdated mailing addresses and incorrect/other versions of name within XXXX hours with no issues!
Consumer complaint received 2022-10-21
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. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX  XXXX XXXX Bankruptcy XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

In accordance with the Fair Credit Reporting act 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 has violated my rights. 
15 U.S.C 161 section 602 A. States I have the rights 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 instructions
Consumer complaint received 2023-07-23
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 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 2020-07-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: FCC Finance, LLC (FL)

Tree days ago on XX/XX/XXXX, I notice a change in my credit score. It when down about 30 points due to a new account posted with 120 days past due payment. The company is FCC Finance after I call them, I found out that FCC Finance just acquired a loan company by the name of XXXX XXXX. I did have a loan with XXXX XXXX back in XXXX. It was my understanding that my loan with XXXX XXXX was fully paid after I completed all payments. After that, I move to Florida and never hear anything from XXXX XXXX. In 6 years XXXX XXXX never showed up on my credit report or reported a collection on by behave. Now, this company FCC Finance ruined my credit for a fee that apparently I did not pay, a fee of {$180.00}. Because of this {$180.00} we are going to lose our house. You see, we are about a month away from the closing date on our mortgage they are currently building our house here in XXXX Florida, and with this late payment posted by FCC Finance, my loan officer told me we have very little change in getting the house and we will lose all the money we already paid. I begged FCC Finance to remove that late payment form my record, I explain I did not new about the {$180.00}, but they did not care they even got angry and annoyed at me. And then I ask why no one try to contact me before they posted this on my credit report. They said they try to send an email and when I ask what day they could not give a straight answer. You see there is no way I will put in jeopardy my family 's future for {$180.00} if I knew I owe this money I will have paid it 6 years ago. 

I did pay the {$180.00} the same day I contacted FCC Finance despite the anger and powerlessness I felt and still feel. I am very desperate and disappointed on how this company behaved towards me and how much I will lose for a XXXX year old late fee that no one had the dignity of trying to contact me before posting this on my credit report. I am not a law expert but I am counting on you to help in any way you can. This type of behavior forms a company is not right in any way. 

FCC Finance is from Texas but in the web site below they also do business in Florida and since I am a Florida resident I ask for your help. 
URL : https : //www.fccfinance.com/
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Good evening, This keeps on happening. I settled a charged-off account with XXXX XXXX on XX/XX/2022 and this is the second time they are reporting the account as still charged off. This messed up with my Equifax report as it says I have a recent missed payment, and I do not have any missed payments since the last 6 years. I lost XXXX points with XXXX XXXX 's improper reporting. It is like they do not want to forgive you even if you settled your account and should not be reporting as a charged off since XX/XX/2022. I am tired of this and hopefully, this will stop them from refreshing the report as still an active charged off. 
Thank you.
Consumer complaint received 2022-10-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is my 4TH endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXXXXXX 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 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am writing once more to express my bewilderment at your credit bureau 's handling of the investigation into the accounts, as I continue to dispute the presence of fraudulent accounts on my credit report. As you are aware, I have submitted the required FTC report regarding these fraudulent accounts. Following my submission, both XXXX and XXXX removed these accounts from their records. I have also directly contacted the companies associated with these accounts, and they have confirmed the removal of the accounts. Therefore, I am puzzled as to why these accounts are still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally bound to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only violates this obligation but also exposes me to further harm. 

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 2023-04-21
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. (CA)

I have mailed XXXX, Equifax, and XXXX letters multiple times between XX/XX/2022 and XX/XX/2022. I have explained to each of these reporting agencies that there is an account showing on my reports that IS NOT MINE, it is INACCURATE and does not belong to me. I have wrote each of these credit reporting agencies and explained that I have no knowledge of this account and it is identity theft.
Consumer complaint received 2023-06-09
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: CBC Companies, Inc. (TX)

All companies listed below have unauthorized inquiries on my credit report, names and dates are included. 

Factual Data XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-01
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. (AZ)

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 2023-07-23
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. (NV)

Experian is knowing and willfully report inaccurate information on my report causing me emotional stress and stated they would remove on the cfpb portal but continues to report it causing me harm and defaming my charter. They were told on several occasion in writing this is identity theft I never gave anyone written permission or verbal to share my private transaction to make a profit off me. Its there grave responsibility to make sure they investigate transactions before they report on my consumer report and failed to do so! Pursuant to the FCRA, providing inaccurate financial information to credit reporting agencies is illegal. They just marked it verified never sent method of verification an sent me proof that I have a contract with these collection companies or the forward flow sheet. I have a right to privacy and you violated me for the last time. Never Sent me Document that shows me I am LEGALLY OBLIGATED to pay this alleged debt. A simple answer of been verified doesn't constitute an appropriate legal nor lawful response
Consumer complaint received 2022-11-25
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. (GA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 


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

15 U.S.C 1681 section 604 A 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-30
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. (KY)

From 2009 to present my credit report has been showing incorrect information such as accounts never opened, accounts applied for that I didn't apply for, use of my credit report to view when it wasn't authorized, was turned down for employment due to another individual 's criminal record appearing on mine, denied home loans due to accounts that should not be on my credit report. I have on multiple occasions reported identity theft with the credit reporting bureaus, have disputed on different occasions accounts that were not opened by me, and reported to collections and various companies calling me over accounts that didn't belong to me. This has been an ongoing problem and it's been damaging to my life and effecting me being able to have a fair chance as anyone else.
Consumer complaint received 2022-10-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$7300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : {$2800.00} 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 2022-10-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

i have recently obtained a copy of my credit file, and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be removed entirely and blocked from my credit file. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 
Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file :
Consumer complaint received 2022-10-21
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)

Im resubmitting 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 any item 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 XXXX Balance : {$280.00} ; XXXX XXXXXXXX Balance : {$3100.00} ; XXXX XXXX Balance : {$240.00} ; XXXX XXXXXXXX Balance : {$75.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX, MO XXXX 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 alleged identity theft, not later than 4 business days after the date of receipt.