davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-10
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: Experian Information Solutions Inc. (CO)

This is a formal complaint against XXXX XXXX XXXX XXXX ( XXXX ), pursuant to Consumer Financial Protection Bureau judgement against XXXX ( Case No. XXXX ) and in relation to the difficulties I experienced during the XXXX pandemic which have had a significant impact on my financial situation and credit standing. 

During this challenging period, I held a lease agreement with XXXX. As an employee of a non-profit in the education sector facing financial hardship, I sought to explore options for mitigating my financial burden, including the possibility of amending my lease terms by removing services or paying off the lease prematurely. Regrettably, my attempts to communicate with XXXX were met with insurmountable challenges. The customer service infrastructure, notably the phone tree system, proved to be ineffective and unresponsive, often leading to disconnections or cyclical routing without resolution. Despite repeated attempts over an extended period, my efforts to engage with XXXX to address this matter were unsuccessful. 

Ultimately, resigned to the situation, I prepared for the inevitable repossession of the vehicle. The repossession process was conducted without any prior communication or attempt by XXXX to resolve the issue. This incident, which was avoidable, remains the sole blemish on my otherwise unblemished credit record, and is indicative of an anomaly in XXXX 's business practices at the time. 

Furthermore, I have taken steps to rectify the impact of this incident on my credit reports. This includes submitting requests for the removal of this record to Experian and XXXX, specifically citing the CFPB 's XX/XX/2023 judgement against XXXX for related lending misconduct. Despite these bureaus acknowledgment of my requests, no changes have been made to my credit history or scores, and I have not received any substantive explanation for this inaction. 

This unresolved matter has adversely affected my ability to secure a car loan, despite maintaining a credit score in the XXXX. It is my contention that the conduct of XXXX in this case, is not only inconsistent with the expected standards of customer service but also reflective of the practices for which they were recently sanctioned by the CFPB, and should, therefore, be removed.
Consumer complaint received 2016-05-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (FL)

Collections notice dated XXXX/XXXX/2014 for {$540.00} from XXXX of XXXX Florida has appeared on my Credit Report. No previous invoices or collection notices were ever mailed to me. There is no account number on the report from Equifax. I will be disputing this notice immediately, as I have and have always had XXXX XXXX and I 'm positive there is a confusion on their side. 
Plus, I had Identify Theft problems that appeared on my IRS 2014 taxes that the IRS made me aware of and I took immediate action to rectify that urgent matter.
Consumer complaint received 2024-01-10
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. (CA)

I received and on my credit monitoring system, and noticed a plethora of negative inquiries accounts that I did not recognize and have not gave my consent towards. This is a violation of 15 USC 1681 B : permissible purpose of consumer reports, and must be deleted immediately 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 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 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 2024-01-10
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: Experian Information Solutions Inc. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-01-10
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: Experian Information Solutions 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 correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-10-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MN)

I am a victim of identity theft and I received a fraud alert in regards to unauthorized and fraudulent inquiries listed on my Equifax credit report. The following inquiries are unauthorized and fraudulent : XXXX XXXX, XXXX XXXX, XXXX XXXX Bank, XXXX, XXXX, XXXX XXXX XXXX Bank. I should not have any credit inquiries on my Equifax credit report.
Consumer complaint received 2024-01-10
Product: Credit reporting 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. (TX)

Greetings! I am reiterating this complaint to follow up on my previous submission dated XX/XX/2023. Once again, I have re-attached my new FTC Report # XXXX. I anticipate receiving my monthly credit report within 15 days and expect deletion updates at that time. Kindly remove the reporting of the following items from my credit file, which are the consequences of the alleged identity theft : -- -- -- -- -- EXPERIAN : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 -- -- -- -- -- XXXX : XXXX XX/XX/2023 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 2024-01-10
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)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2016-07-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MD)

I settled an account with XXXX and they are reporting late payments after settlement negotiation and received payment. I have directly called and faxed XXXX and they are stating information is correct. I attempted to contact them multiple other times to keep disputing with all XXXX credit reporting agencies. This company can not report late payments on a settled paid account!!!! Primarily reporting wrong information to Equifax.
Consumer complaint received 2024-01-10
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. (AR)

I am writing to bring to your attention the ongoing issue I am facing with fraudulent items on my credit file. This is my second attempt to address and rectify this matter, and unfortunately, I have not seen any progress in resolving the inaccuracies on my credit report. 

I initially reported unauthorized and fraudulent items on my credit report to your organization. Despite my efforts and the submission of the necessary documentation, the fraudulent entries persist. I had hoped that my concerns would be promptly addressed and the inaccuracies rectified to restore the integrity of my credit history. 

Regrettably, I find myself in the position of having to file a second complaint regarding the unresolved fraudulent items on my credit file. 
I have taken the following steps in my attempts to resolve this issue : Submitted a detailed dispute through your online dispute resolution system. 
Contacted your customer support hotline on [ date ] to follow up on the status of my dispute. 

Despite my persistent efforts, the fraudulent items remain on my credit report, posing a significant threat to my financial well-being and creditworthiness. This situation has caused me considerable stress and anxiety, and I am deeply concerned about the potential long-term consequences if not addressed promptly. 

I kindly request an immediate and thorough investigation into the fraudulent items on my credit file and request their removal. I also seek clarification on the specific actions taken during the investigation process and the reasons for the continued presence of these inaccuracies. 

I understand the importance of accurate and up-to-date credit reporting for both consumers and creditors. As such, I trust that Credit Bureaus will take swift and decisive action to rectify this matter and restore the accuracy of my credit report. 

If this issue is not resolved satisfactorily, I may have no choice but to escalate my complaint to relevant consumer protection agencies and seek legal advice to protect my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. XXXX, XXXX ( Original Creditor : XXXX XXXX  XXXX Balance : {$570.00} XXXX XXXX ( XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX Balance : {$570.00} XXXX XXXXXX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$280.00} XXXX  XXXX XX/XX/2022.
Consumer complaint received 2021-04-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

Today I spoke with Equifax employee XXXX, XXXX and yesterday I spoke with Equifax employee XXXX, XXXX REGARDING SOLVING MY ONLINE ACCESS INABILITY TO FUNCTION, MY INABILITY TO GET WEEKLY MANDATED BUREAU REPORTS FROM XXXX XXXX  XXXX  XXXX, MY INABILITY TO DO A TELEPHONE DISPUTE TODAY, YESTERDAY OR ANYTIME.I HAVE SENT WITHIN THE LAST MONTH BEAUTIFUL COPIES FROM MY XXXX DOLLAR SCANNER/PRINTER OF MY CURRENT CALIFORNIA XXXX LICENSE AND AN 8 PAGE XXXX CALIFORNIA EDISON BILL AT MY PRIMARY RESIDENCE SHOWN ACCURATELY ON MY DRIVERS LICENSE. 
BOTH XXXX AND XXXX COULD NOT LOCATE THESE DOCUMENTS ( OR DID NOT HAVE ACCESS TO THEM ) AND PROCEEDED TO DO AUTHENTIFICATION QUESTIONS TO " ID ME AND PROTECT MY INFORMATION '' WHICH IS QUITE LAUGHABLE SINCE I AM A SEVERE VICTIM OF THE XXXX DATA BREACH ) MY INFORMATION HAS BEEN SOLD AND TRADED AMONGST CRIMINALS AND CONTINUES TO THIS VERY DAY ... NOT ONLY WERE CRIMINALS PROVIDED MY DRIVERS LICENSE, THEY WERE ALSO PROVIDED MY EMAIL ADDRESSES AND SECURED THE LOGIN INFO, SO THAT THEY HAVE ACCESS TO EVERY SINGLE BIT OF CONFIDENTIAL DATA ABOUT ME.BECAUSE OF THE SECURITY FREEZES I HAVE PLACED FAIRLY CONSTANTLY SINCE MID XXXX EQUIFAX PREVENTS ME FROM HANDLEING MY OWN CREDIT INFORMATION BUT WHAT I SUSPECT IS THEY ARE ACCOMPLISHING FURTHER COST SAVINGS TO THEMSELVES AT THE EXPENSE AND HARM TO THE PUBLIC.THEY DON'T WANT TO DO DISPUTES OR PROVIDE REPORTS BECAUSE THERE IS A COST TO EQUIFAX, IN OTHER WORDS EQUIFAX IS CORRUPT FROM THE TOP DOWN.THEIR CEO AND BOARD SHOULDN ; T BE RETIRED AND SENT HOME TO CLEAN THE GARAGE ... THEY DESERVE TO BE BUSY SWEEPING OUT THE ADJOINING CELLS OF THEIR FUTURE LIFETIME ROOMATES. 
EQUIFAX IS DESTROYING THE FINANCIAL LIVES OF MILLIONS OF AMERICANS AND XXXX THEIR POCKETS AS THEY DO IT. 
I WILL ATTEMPT TO PUT FORTH THE DISPUTES I NEED TO THAT I COULDN'T GET DONE. 
1.XXXX  XXXX/XXXX  XXXX ACCOUNT IS TO BE REMOVED BY THE CREDITOR, I RECEIVED A NOTE ONXX/XX/XXXX..IT WILL BE ATTACHED ALONG WITH MY LICENSE AND ELECTRIC BILL. 
2, XXXX  XXXX  CAR CARE/DISCOUNT TIRE CARD IS DUPLICATED ON THE EQUIFAX REPORT.I HAVE ALSO RECEIVED A NOTE SAYING THE ACCOUNT WILL BE REMOVED. 
4, XXXX  XXXX.FOR ORIGINAL CREDITOR SYNCHRONY HAS BOUGHT AN ACCOUNT TO COLLECT THAT HAS ALSO BEEN REMOVED OR WILL BE REMOVED FOR FRAUD. 
5.XXXX CALIFORNIA EDISON ACCOUNT SHOWS A XXXX DOLLAR BALANCE IN COLLECTION WHEN FACTUALLY IT IS A XXXX BALANCE AND HAS BEEN FOR A LENGTH OF TOME, MONTHS PLURAL..
Consumer complaint received 2022-10-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To This is a follow up to my original letter dated XX/XX/XXXX regarding an inaccuracy in your credit reporting. Specifically as it relates to unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX XXXX XX/XX/XXXX, XXXX., XXXX XXXX XXXX 
 3., XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.
Consumer complaint received 2020-05-05
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. (TX)

Potentially Negativeshow tooltip button XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXX XXXXUnder Dispute XXXX XXXXXXXX XXXX XXXXDispute XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX all ftc violations
Consumer complaint received 2018-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (WA)

The collection company, XXXX, has posted erroneous information to my credit reports. I wrote asking for validation of the debt and they never responded.

Their failure to respond is a violation of the FDCPA per XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Court, XX/XX/2004
Consumer complaint received 2024-01-10
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. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance XXXX : {$9900.00XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-10
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. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MA)

On XX/XX/2024, I attempted to log into my Experian account using credentials stored in a password manager. Much to my surprise, I was told that they did not work, so I then attempted to reset my password. I was asked for my phone number to receive a text message which would contain a short code needed to progress in setting the password ; however, they say that the phone number is not a match. I entered every single phone number I have ever owned and it rejects every one of them. It then tells me the following : " If you do not know your security question or PIN, you will need to contact customer care to reset your password. '' The phone number provided is ( XXXX ) XXXX. However, it is literally impossible to speak to a human at this number. If you tell the automated agent that you are trying to reset your password, it tells you to do it online. If you ask to speak to an agent, it refuses. 

In summary, this company has somehow corrupted the data on my account, including password and phone number, which I have documented securely on my end in a password XXXX. Furthermore, they have made it literally impossible to get in touch with a human to correct the issue. I need access to my account for the purpose of freezing my credit report, and Experian, in its incompetence, has failed in its duty to provide me a means to freeze my credit report.
Consumer complaint received 2020-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

I HAVE A XXXX CREDIT CARD, ITS A XXXX XXXX CREDIT CARD ACCT # XXXX. THERE IS SOMEHOW A LATEPAYMENT ON MY CREDIT REPORT, I HAVE 100 % NEVER BEEN LATE!!
Consumer complaint received 2024-01-10
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. (TX)

On XXXX and XX/XX/2023. I have reached out to all major credit bureaus to show proof of my consent to furnish these accounts. After multiple attempts I have yet to hear something back. 




In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( secton 6 0 4 in section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructons. Under 15 USCS 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purposes.
Consumer complaint received 2024-01-10
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. (TX)

Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.
Consumer complaint received 2024-01-10
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. (NJ)

The above account does not belong to me I am a victim of identity thief Under 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!! Please delete these terns IMMEDIATELYI These accounts should not be furnished on my consumer report as they are in VIOLATIONI1! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agerxy may furnish a consumer report under the following circurstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates, I 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 copy in demanding the deletion of the accounts listed IMMEDIATELYI XXXX XXXX XXXX {$160.00}
Consumer complaint received 2018-06-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Byrider Franchising, LLC (OH)

I have attached a file below proof of the case with common pleas court that i won a law suit against XXXX XXXX for XXXX and settlement to arise out of the purchase this settlement was confirmed by Judge XXXX XXXX. Case number XXXX i won a lawsuit against XXXX XXXX  for Dealership fraud of over charging me. Please remove this loan from our credit reports or i will take this to the Ohio Attorney General XXXX XXXX. If this is not removed within 15 business days i will exercise my rights to XXXX XXXX. This is all due to auto fraud and lemon car from XXXX XXXX. I have an open pending case with the ohio attorney general if this is not taken care of XXXX  had told me to file another complaint and if it is denied he will be taking over.