davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-18
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. (CA)

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-02
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX . XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX ( EXPERIAN ) XXXX XXXX XXXX ; XXXX  ; XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XXXX, CA XXXX Contact : XXXX or XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report file. As of XX/XX/2021 it is still displayed on all three of my credit report files. 
Attached you will see the discrepancies the items I dispute on the attached copy of the report I received.The information on XXXX XXXX XXXX with a balance of {$490.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately.

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate.

This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is
defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Consumer complaint received 2024-01-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to you today with a sense of urgency and frustration regarding the erroneous information currently tarnishing my credit report. Unfortunately, it seems that my pleas for resolution have fallen on deaf ears, necessitating this assertive communication. I want to make it explicitly clear that I am a victim of identity theft, a fact that should prompt immediate and decisive action on your part. Under FCRA Section 605b, you are mandated to remove/block any account listed on an identity theft report. Attached, please find the required documents essential for facilitating the blocking of the inaccuracies that have found their way onto my report. The following accounts, which neither belong to me nor were opened with my explicit permission, demand your immediate attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Section 605B ( a ) stipulates that Experian shall block any information in the file of a consumer identified as resulting from alleged identity theft, not later than 4 business days after the date of receipt. I expect compliance with this legal obligation without delay.
Consumer complaint received 2024-01-18
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)

never informed me of my rights to exercise my nondisclosure option 15 USC 6802, also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at anytime ''.
Consumer complaint received 2024-01-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (GA)

Experian has removed the XXXX XXXX account from my credit report and as a result in removing an account is admissible evidence that Experian broke the law so this is A INVOICE FOR VIOLATING THAT LAW A MINIMUM XXXX $ thank you. You have 90 days to make the payment.
Consumer complaint received 2024-01-18
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)

I have disputed this creditor on XXXX, and XX/XX/XXXX. I requested bank transactions and proof that I was late with this creditor. The creditor has took over 30 days to update my account and perform an investigation. The creditor has illegally reaged my date late active XX/XX/XXXX to XX/XX/XXXX. XXXX XXXX is missing date last active and is unverifiable. XXXX XXXX failed to do update my account and do a proper investigation. The creditor last reported on my account XX/XX/XXXX even though I have sent dispute on XX/XX/XXXX and XX/XX/XXXX. XXXX date is XX/XX/XXXX I have not received an update of a reinvestigation from the creditor and removed.
Consumer complaint received 2020-07-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Asset Management Outsourcing, Inc. (OR)

I was informed by XXXX XXXX XXXX XXXX XXXX that an outstanding debt was collected on behalf of Nationwide Recovery Service , Inc . I have not received any form of communication from this company regarding the debt or my options to dispute the debt.
Consumer complaint received 2020-07-06
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. (AR)

My identity has been compromised. I found out because credit karma sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I hope this letter finds you well. I am writing to bring to your attention a serious matter regarding inaccurate information on my credit report, specifically related to an alleged insurance policy with XXXX listed by Experian. Despite numerous attempts to resolve this issue with Experian, I am still being wrongly associated with an insurance policy that I never requested nor signed a contract for. Not only did I not own a personal vehicle during the stated period, but I had a company car, and there has been no lapse in my insurance coverage. Experian has validated this information without providing any proof, and it is adversely affecting my credit score. The involvement of XXXX XXXX, who has not responded to my inquiries or provided evidence of the alleged debt, adds further complexity to this situation. There is no possible way XXXX XXXX would have fronted me an insurance policy for an entire year and then turn me into a collection agency. On top of that, the stated vehicle listed they responded with, was sold the prior year. 
I firmly believe that such inaccuracies should not be allowed to tarnish my credit history without proper verification. I am reaching out to you for assistance in resolving this matter promptly. I have exhausted all avenues with Experian, and aside from considering legal action, Merely sending me a letter with a vehicle name and Experian just saying verified, proves nothing. I am seeking your intervention to rectify this issue and have the erroneous entry removed from my credit report. Your attention to this matter is greatly appreciated, and I look forward to a swift resolution.
Consumer complaint received 2024-01-18
Product: Credit reporting 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)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2024-01-18
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. (NV)

I wish to bring to your attention that, as outlined in my complaint dated XX/XX/XXXX, I have noted the non-compliance with the law ( FCRA 605b ) regarding the removal of fraudulent entries associated with FTC fraud reports # XXXX, XXXX, and XXXX. In my previous communication, I explicitly conveyed that the failure to remove these specified items, inaccurately reported due to identity theft, would compel me to involve legal representation for appropriate action. It is my sincere intention to avoid legal proceedings, and I emphasize the importance of adherence to the law. In this subsequent complaint, I have once again attached my latest FTC reports for reference : # XXXX, XXXX, and XXXX. I reiterate my request for the immediate removal of the fraudulent items, which were opened without my consent or knowledge. 
-- -- -- -- -- -- -EXPERIAN : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NV XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$3700.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$6800.00} XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1700.00} XXXX  XXXX Balance : {$460.00} XXXX  XXXX Balance : {$2800.00} XXXX XXXX  XXXX Balance : {$970.00} XXXX XXXX XXXX Balance : {$1000.00} -- -- -- -- -- -- -XXXX  : XXXX XXXX XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$6800.00} XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX Balance : {$970.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX  XXXX XXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$3700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$6800.00} XXXX XXXX Balance : {$2900.00} XXXX XXXX Balance : {$460.00} XXXX  XXXX Balance : {$3300.00} XXXX XXXX  XXXX Balance : {$970.00} XXXX XXXX XXXX Balance : {$1000.00}
Consumer complaint received 2017-04-29
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (WA)

Wells Fargo opened an account under my social security number and date of birth, it has been affecting my credit and information and that person has been using my info to get apartments and fraud on my credit card. I have complained to Wells Fargo and still nothing has changed and I am still able to log into Wells Fargo and open the checking and savings account online at WellsFargo.com. All Wells Fargo did w as mail me a fraud kit to pay them money to fix a problem they created.     After I logged into  WellsFargo.com the first time I made a complaint to CFPB and Wells Fargo. Then a few weeks later, I logged into WellsFargo a nd I noticed they changed their mailing address of the person who was using my account.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2020-07-06
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security.
Consumer complaint received 2024-01-18
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. (IL)

I, XXXX XXXX XXXX, am a victim of Data Breach. A s a result fraudulent accounts and unauthorized inquiries which do not belong to me are being incorrectly associated to me through my credit report. I demand the immediate removal of these items.
Consumer complaint received 2020-07-06
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. (GA)

Transunion needs to block and remove fraudulent accounts immediately because someone stole my identity and personal information in order to obtain credit cards in my name without my permission : 1. XXXX XXXX XXXX ACCOUNT # : XXXX Balance : {$28000.00} 2.  XXXX XXXX  XXXX ACCOUNT # : XXXX BALANCE : {$6700.00} 3. XXXX ACCOUNT # XXXX BALANCE : {$3000.00} 4. XXXX XXXX   XXXX ACCOUNT # : XXXX BALANCE : {$550.00} 5. XXXX XXXX ACCOUNT # : XXXX BALANCE : {$3700.00} 6. XXXX XXXX ACCOUNT # : XXXX BALANCE : {$3600.00} 7. XXXX  - XXXX BALANCE : {$1400.00} 8. XXXX - XXXX BALANCE : {$3500.00} The following inquiry needs to be deleted and removed immediately because I did not authorize it : 1. XXXX  XXXX  XX/XX/2019
Consumer complaint received 2024-01-18
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 a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Upon reviewing my credit reports, I have identified inaccuracies in the reporting of late payments. Specifically, I have noted that late payments were reported for the date XXXX under the account name XXXX XXXX XXXX  with the account number XXXX. 

I kindly request that you promptly update these late payments to accurately reflect their status as " PAID AS AGREED. '' It is essential that this information is rectified expeditiously, as it is currently impacting my ability to pursue the purchase of a new home. 

Your immediate attention to this matter is greatly appreciated. I would be grateful for confirmation once the necessary amendments have been made. 

Thank you for your prompt action in addressing this issue.
Consumer complaint received 2024-01-18
Product: Credit reporting 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. (MA)

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-18
Product: Credit reporting 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. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2024-01-18
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. (PA)

I am filing a formal complaint against the three major credit bureausXXXX Experian, and XXXXregarding a significant issue with XXXXXXXX XXXX XXXX auto-pay system, which has adversely affected my credit report. The incident in question involves a system error with XXXXXXXX XXXX XXXX auto-pay, resulting in a missed payment, and the credit bureaus ' failure to accurately reflect this situation on my credit report. On XX/XX/2024, I discovered that XXXXXXXX XXXX XXXX auto-pay system failed to process my payment, leading to an unintentional missed payment. What compounds the issue is that I did not receive any notification from XXXXXXXX XXXX  alerting me to the auto-pay failure. Consequently, the missed payment has had a negative impact on my credit report.
Consumer complaint received 2024-01-18
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. (PA)

Per the Fair Credit Reporting Act, the listed accounts should not be furnished on my consumer report as they are in violation of 15 US code 1681-B in general subject to subsection C, which states ; Any consumer reporting agency may furnish a consumer report under the following circumstances and no other, by the written instruction of the consumer to whom it relates. These listed companies never received my written instructions to report anything on my consumer report which now violates my rights as a federally protected consumer. Lastly, 15 USC 1681-4 also states reporting agencies have assumed A vital role in assembling and reevaluating consumer credit and other information on consumers. Therefore, there is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness impartiality, and respect for consumers ' rights to privacy. I'm demanding the removal of these listed accounts. 
ADDITIONAL UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX