davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-17
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)

Upon reaching out to the creditors regarding the validity of the debts associated with these accounts, I received no response or verification. As I scrutinize my credit report, I observe that these accounts are incorrectly being reported as late payment accounts. I hereby demand that you provide proof of the late payments on these accounts or, in the absence of such evidence, delete the negative payment status and remove the associated late date markings. I want to emphasize that XXXX has already complied with this request, recognizing the discrepancies and taking corrective action. It is perplexing and concerning that your credit bureau seems to be neglecting my status as a victim in this situation, and I can not comprehend why you are not complying with the law when other bureaus have followed suit. I am writing to formally dispute and demand the immediate correction of inaccuracies on my credit report pertaining to the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This is not a mere request ; it is a direct and forceful demand for the immediate correction of the errors on my credit report.
Consumer complaint received 2024-01-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (NC)

I have XXXX issues after viewing my credit report. XXXX XXXX cillection agency is reporting a collection that was paid to the original creditor XXXX tthey frauduletly missreoresenting my credit profile and damging my credit score that is truly disturbing me mentally. This account needs to be removed.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

Have requested I am exercising my right under the FCRA, section 609, and are requesting all information related to debts listed on your credit report. I am entitled to all documents related to each item, including each original credit application and contract containing your signature. 
I would Like all information about : Credit report shows tradeline initial delinquency XX/XX/XXXX. 
Payoff history- why there were no payments recorded during these times, Why did they report them as current XX/XX/XXXX XXXX then defaulted 60 days XX/XX/XXXX XX/XX/XXXX and then charged off?
Consumer complaint received 2023-08-15
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. (MD)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-01-17
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)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-10-02
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)

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 in the amount of {$1400.00}, has violated my rights. XXXX XXXX in the amount of {$0.00} has violated my rights. XXXX XXXX XXXX XXXX in the amount of {$3800.00} has violated my rights. XXXX XXXX XXXX XXXX in the amount of {$800.00} has violated my rights. XXXX XXXX XXXX XXXX in the amount of {$810.00} 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 2024-01-17
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. (KY)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (VA)

I tried for 3 days and multiple times and multiple numbers including corporate offices to get a person to unfreeze my credit or correct contact information in my file. Pin has been lost. company has incorrect cell phone number and can not send info to landline phone. I have concluded that Experian does not intend to use real people to solve problems, even those that can not be resolved by websites or computers, or even mail.

Therefore, I am asking the government to provide a way that I can OPT-OUT of this private company collecting and providing information to businesses about me and others. Alternatively, the cfpb should provide this vitally important service rather than any private company. Other issues that need addressing by the cfpb are : 1. I had perfect credit. Inadvertently missed a payment on new card because mail lost mail. Credit score dropped XXXX points, from XXXX to XXXX. This is utter nonsense, and represents an algorithm bias against consumers. Companies charge consumers more the lower the credit score. 
2. Inquiries, scores drop XXXX points because of a hard inquiry that stays active for years. Companies solicit consumers with excellent credit by providing bonuses, as much as {$1500.00} for a new card. this is too much to pass up. Yet my score drops every time I apply for a new card despite perfect credit. 

Conclusion : Take this vital process out of the private sector. All other vital statistics, birth and death records, social security numbers, criminal records, etc. are administered by government entities. Credit should be also. Especially when the 3 companies have demonstrated they do not have the public 's best interest at heart, but those of corporations that pay them for services.
Consumer complaint received 2020-07-03
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)

ftc violations listed and filed to FTC XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Account Type Auto Account Status Closed - Paid and Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Auto Account Status Closed Opened Date XX/XX/XXXX Creditor Name XXXX XXXX XXXX  Account Type Auto Account Status Closed Opened Date XX/XX/XXXX Closed Date -- ATTORNEY GENERAL-XXXX Account Type XXXX XXXX Account Status Open XXXX XXXX XXXX Account Type Secured Loan Account Status Open Opened Date XX/XX/XXXX XXXX
Consumer complaint received 2020-06-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (GA)

I was in the process of buying a house, so I had alerts set up on my credit karma. I get an alert saying new collections account. It was this one, I panicked and called them immediately. I went ahead and settled the payment but this still altered my approval to purchase my home. I would have at least liked to have notice before also it states the account was opened in XX/XX/XXXX when it was closed in XXXX. Seems very unfair to wait this long and then sneak attack me. The timing couldnt have been worse this has been a nightmare.
Consumer complaint received 2024-01-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I want to bring to your attention that XXXX has already removed these accounts from their records after acknowledging an error. It is perplexing and disconcerting that your agency, in contrast, appears to have verified these accounts without providing adequate information for verification. This discrepancy raises serious concerns about the accuracy and legitimacy of your reporting. I demand that you immediately delete these inaccurate, erroneous, and unverifiable accounts from my credit report. The persistence of this misinformation not only damages my creditworthiness but is also a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). I am asserting that you do not have the rights to continue reporting these accounts without proper verification, especially when other credit bureaus have recognized and rectified the inaccuracies. Your non-compliance with my previous requests is both inexplicable and unacceptable, and it appears to be a blatant disregard for the law. The accounts in question, as follows, lack sufficient information for proper verification of the associated debts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: ROBINHOOD MARKETS INC. (AR)

They do not display any fees or any warnings that their limit orders do no work like standard limit orders on every exchange, and even how their stock limit orders work. I placed a limit order to sell Bitcoin at a specified price, they sold the Bitcoin for far less than my specified price, resulting in a loss. See attached which shows the limit price and the price they gave me.
Consumer complaint received 2024-01-17
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. (FL)

I have already reached out to the creditors regarding the validity of the debts associated with these accounts, but I received no response or verification. Upon scrutinizing my credit report, I have noticed that these accounts are being incorrectly reported as late payment accounts. I demand that you provide proof of the late payments on these accounts or, in the absence of such evidence, delete the negative payment status and remove the associated late date markings. I am writing to demand immediate rectification of grossly inaccurate information on my credit report pertaining to the following accounts : XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$1200.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1800.00}, and XXXX  XXXX Date opened : XX/XX/XXXX Balance : {$0.00}. Failure to comply within 30 days of receiving this letter will leave me with no other option but to pursue all available legal remedies to rectify this situation. This is not a mere request ; it is a direct and forceful demand for the immediate correction of the errors on my credit report.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: MOHELA (IN)

XX/XX/XXXX to XX/XX/XXXX I have argued this situation from the beginning of time I found out about Myself XXXX XXXX XXXX XXXX when l was in middle school I was rewarded a chance to receive a XXXX year scholarship from XXXX XXXX if I completed high school which I did and received My scholarship and chose to go to XXXX school to work and XXXX XXXX XXXX XXXX XXXX  I never filled for a student aid assistance or a loan if it happen I was unaware and wouldn't have authorized any type of signing on My behalf or My parents I was not informed or My Parents informed of a student loan public or private it doesn't meet compliance standards per CFPB USC.15.6802 My personal and private information has been Breached due to the sharing of My consumer reports it is a negative and derogatory item that prevents Me from gain personal and financial gain to credit or financial stability and I ask it be investigated and removed immediately from My consumer reports on this date of XX/XX/XXXX I opt out of any of My personal or private information be shared with any creditors and also financial institutions and services that don't provide Me with a XXXX number and offering lines of credit or credit and authorized by Myself XXXX XXXX XXXX be considered unauthorized and fraudulent and should be verified by Myself XX/XX/XXXX My personal and private information is all over the dark web due to third party entitys sharing My information unauthorized and I demand it stop and alerts be put ony name consumer reports social security numbers personal and private accounts please any assistance towards My situation would be and truly gratefully appreciated Thank You
Consumer complaint received 2023-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (MA)

Last year, XX/XX/XXXX, my Citibank credit card was hacked. So I immediately called Citibank to report and investigate about it. They told me to pay the balance on the account first, then theyd look into the problem, told me to wait 3 months, and then would give me a call so I paid the payment. But after I waited 3 months, I didnt receive any call, so I called the Citibank again and another different representative picked up my call and told me to pay minimum payment first again and theyd investigate the fraudulent transactions. And also said that the credit card was changed but I didnt received any new card. And after 3 months I called the bank again but this time they said they have changed another new card for me and that theyd give me credits but I didnt get a new card and any credits. Again told me to wait 3 months. Between then I made calls about the case but I didnt get any certain answers from Citibank . XX/XX/XXXX, 2 weeks ago I called the bank again, told me to wait 14 days but it has been more than 2 weeks, didnt receive any response from the bank.
Consumer complaint received 2024-01-17
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 2024-01-17
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. (SC)

Subject : Dispute of Unauthorized Negative Reporting Items on Consumer Report Dear Experian, I am writing to bring to your attention a matter of great concern regarding my consumer report. It has come to my notice that several negative reporting items have been added without my consent, which I believe constitutes a breach of privacy and identity fraud. I want to address each unauthorized item specifically : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. 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 XXXX XXXX 

These items are adversely affecting my credit profile and unfairly damaging my creditworthiness. I assert that these accounts are unverifiable due to the lack of my consent, and no person may furnish transactions between the individual and the consumer, as per the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 1 ) ( A ) and ( a ) ( 3 ).

I draw your attention to the definition of a person under the FCRA ( Section 603 ( d ) ), which includes " any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. '' Consequently, these entities may not report late payments, which are considered transactions, according to FCRA Section 623 ( a ) ( 1 ) ( A ). 

In addition, under XXXX XXXX law, violations of consumer protection statutes such as the South Carolina Unfair Trade Practices Act ( SCUTPA ) could be applicable to this situation ( SC Code Ann. 39-5-10 et seq. ). SCUTPA prohibits unfair or deceptive acts or practices, and the unauthorized reporting of negative items without proper verification may fall under its scope. 

I do not authorize the reporting of any account that tarnishes my reputation. I demand that, effective immediately, these accounts reflect as " paid as agreed never late '' in accordance with FCRA Section 623 ( a ) ( 2 ) and ( a ) ( 5 ). I emphasize that, even in the event of a permissible purpose, the consumer 's consent remains a necessary requirement, which I have not provided, as outlined in FCRA Section 604 ( a ) ( 3 ) ( C ). 

Thank you for your prompt attention to this matter.
Consumer complaint received 2022-10-04
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: EQUIFAX, INC. (PA)

I have sent letters to the respective agency last XX/XX/2022, but up until now I haven't received any repose from them. I am very stressed right now and I felt being ignored and being taken advantage.
Consumer complaint received 2023-08-26
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (NY)

On XX/XX/2023, my JCPenney 's credit card limit was {$4500.00}. XX/XX/2023, I noticed on my credit report that they decreased the credit limit to {$520.00}. There was no balance on the card. The card was going to be use for wedding purchases. This also affected my credit score. Because of this, I want to be recompensated.because did nothing wrong except to use my credit wisely.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Request for Correction of Personal Information on Credit Report To Whom It May Concern, I am writing to request an immediate correction to the personal information that is currently listed on my credit report as maintained by your agency. This request is made under the Fair Credit Reporting Act ( FCRA ), specifically under Section 1681, which emphasizes the accuracy of information in consumer reporting. 

Name Correction : My correct legal name is XXXX XXXX XXXX, exactly as it appears on my driver 's license. Please update my name in your records to reflect this. Additionally, I request the deletion of any and all aliases or variations of my name that are currently associated with my credit profile. 

Address Update and Deletion of Incorrect Addresses : My current and only valid mailing address is XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. Please update this as the sole address in your records. Furthermore, I request the removal of the following incorrect addresses, which are non-mailable and undeliverable for me : XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX These inaccuracies in my personal information could potentially impact my credit score and financial opportunities. It is imperative that your records accurately reflect my personal information to avoid any future inconvenience and possible financial repercussions. 

I expect these corrections to be made in a timely manner, and a confirmation sent to me post the update. Furthermore, I request a revised copy of my credit report post these corrections for my records. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me for any further information or clarification needed to expedite this process. 

Sincerely, XXXX XXXX XXXX