davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (OR)

I reported an identify theft that occurred XX/XX/2020 to the police and Citi Visa. Citi Visa has not cooperated in lawful reimbursement for these charges.
Consumer complaint received 2024-01-15
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. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-15
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. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

Ive contacted the bank in regards to this matter. They claimed its been resolved. Ive contact the law enforcement agency and filed a report and affidavit. They claim they identity theft report is valid. And lastly, Im contact the credit reporting agencies. 
XXXXXXXX XXXX XXXXXXXX XXXX DELETE!!! EQ and XXXX have already removed this account from their records. 
Both XXXX and XXXX have removed the accounts per legal requirement. But for some weird reason Experian feels XXXX not following all the steps. I know the consumer laws and the courts are very lenient with the banks and credit reporting agencies so filing a lawsuit is a waste of energy. 
They make some absurd claim that the documents Ive submitted are not valid. Id like the CFPB to honestly look closely at this case because it seems this is a lack of their legal requirement to process the identity theft report.
Consumer complaint received 2021-03-11
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Docuservpro dba Simple Repayment (AL)

I was contacted in 2017 by the Simple repayment company. They told me they would set me up on a payment plan and contact my student loan company and keep me in good standing with them. They said that I was to pay {$49.00} a month until the amount of $ XXXX was paid and they would make all the student loans go away. I agreed to have this done as long as my student loans were dismissed. However this is a scam. When you contact the loan company XXXX XXXX XXXX ( the company that takes the money from my account ). They tell you to contact the original people ( simple repayment ). They were saying that this fee was only for paperwork to be filed on my behalf, however this is not what was told me when I signed up for this arrangement. This company is just a scam to get money from you in hopes that they will take care of your student loans. After discovering this I have contacted the department of education to set up an actual payment plan to fix my account. This company will not longer be receiving any money from me.
Consumer complaint received 2024-01-15
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. (FL)

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 XXXX have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-15
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. (PA)

My name is XXXX XXXX I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of ( XX/XX/2023. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. 
Please see screenshot attached :
Consumer complaint received 2024-01-15
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. (NC)

XX/XX/XXXX fraudulently used my nonpublic personal financial information by disclosing said private information information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). XX/XX/XXXX is depriving my of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EXPERIAN by way of identity theft and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2024-01-15
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. (CA)

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT by FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it from a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$9500.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XX/XX/2023. XXXX XXXX XX/XX/2023.
Consumer complaint received 2024-01-15
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)

These accounts have been disputed previously and has been reported as " accurate '' and " verified '' to me by the reporting agencies yet the accounts report varying information between the reporting agencies. These reporting agencies have not properly investigated my disputes and continue to report incorrect and invalid data. This is a violation of Fair Credit Reporting Act. These inaccuracies have unfairly impacted my creditworthiness, delete any inaccurate or incomplete information. I trust that you will handle this matter with the urgency and seriousness it deserves. Failing to rectify these issues promptly may compel me to take further legal action to protect my rights and seek compensation under the FCRA. Any account showing inaccuracy must be removed. All information from Report as of XX/XX/2024.
Consumer complaint received 2024-01-15
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 formally dispute and request the correction of inaccurate information on my credit report. After careful review, I have identified discrepancies in the reporting of the following accounts : XXXX XXXX XXXX XXXX XXXXXXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00}, XXXX XXXX XXXX DATE OPENED : XXXX XXXX, XXXX BALANCE : {$1100.00}, XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$430.00}, and XXXX XXXX XXXX XXXXXXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00}. The aforementioned accounts are currently reported with late payment dates and negative status, which is inaccurate. I have contacted the respective creditors, and they have acknowledged that the late payment dates and negative status were the result of an internal error on their part. Consequently, they have agreed to rectify these inaccuracies and remove the negative information associated with these accounts. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ).
Consumer complaint received 2024-01-15
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. (PR)

In accordance with the fair reporting credit act account XXXX, has violated my rights. 

15 U.S.C 1681 section 602A : states I have the right of privacy.

15 U.S.C 1681 section 602A section 2 : It also states a customer reporting agency can not furnish a account without my writing instructions.
Consumer complaint received 2024-01-15
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 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 : DEPT OF ED/XXXX  XXXX Balance : {$6200.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-01-15
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 value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the Experian and XXXX credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$170.00}.
Consumer complaint received 2024-01-15
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. (WI)

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. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 2024-01-15
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. (GA)

I hope this letter finds you well. I am writing to bring to your attention the persistent issues I have encountered regarding the late opening of my account and a charge off account with Credit Bureaus. Despite multiple attempts to rectify the situation, I have been met with ongoing challenges, and I am deeply dissatisfied with the level of service I have received. 

I initiated the process of opening an account with your company, and it has come to my attention that the account opening was significantly delayed. This delay has caused inconvenience and frustration, as I rely on timely access to the services provided by your company. 

I have made several attempts to address this matter by contacting your customer service department, but unfortunately, the issue remains unresolved. The lack of responsiveness and failure to provide a satisfactory resolution have only added to my dissatisfaction. 

I understand that errors can occur, and I am willing to cooperate in resolving this matter promptly. However, the repeated unsuccessful attempts to rectify the situation have led me to escalate this matter formally. 

I kindly request the following actions be taken to address this issue : A thorough investigation into the reasons behind the delay in opening my account and the several appearance of charge off account. 
A clear and concise explanation of the steps being taken to rectify the situation. 
Timely and effective communication throughout the resolution process. 
I expect a resolution to this matter within the specified timeframe from the date of receipt of this letter. If the issue persists without a satisfactory resolution, I may have no choice but to escalate this matter further, including filing a complaint with relevant regulatory authorities. 

I believe in your commitment to providing excellent service, and I trust that you will take this matter seriously. I appreciate your prompt attention to this issue and look forward to a swift resolution. I am asking for your assistance to correct these late open account and remove the charge off account in my credit file : XXXX XXXX Balance Owed : {$5100.00} Date Opened : XX/XX/2020 - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX XXXX Balance Owed : {$0.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Consumer complaint received 2024-01-15
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. (FL)

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. However, 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
Consumer complaint received 2022-08-05
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I am writing to dispute the accuracy of late payments reported on my credit report. After reviewing my credit report, I have identified discrepancies in the reporting of late payments. Your company is in violation of the FCRA and Metro2 Compliance and reporting violation 15 USC 1681a ( d ) ( 2 ) ( A ) )
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

After reviewing my credit report, I have found numerous inaccurate addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations and I demand, as my lawful right, for any addresses other than what I have listed above and below be removed immediately as they are not accurate. I have sent letters to all credit bureaus asking them to remove any addresses that are not associated with me. Due to things possibly being sent with my identification information to those addresses, this could possibly lead to credit fraud. I ask that you please investigate this and have it removed from my credit profile.
Consumer complaint received 2024-01-15
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. (FL)

Experian is the only credit consumer reporting agency that is reporting account XXXX XXXX  XXXX  XXXX as Late/Charged Off. XXXX and XXXX however are not reporting the ( XXXXXXXX XXXX XXXXXXXX ) account as Late/Charged Off, therefore, it's an inaccuracy. Experian is violating the following Federal Laws : 15 U.S. Code 1681e - Compliance procedures reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates.

( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

Delete the collections/ charge-off off the account ( XXXXXXXX XXXX XXXXXXXX ) from the consumer report. Please see the attached supporting documents.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NJ)

I am writing to formally dispute and request the removal of a fraudulent account that has appeared on my credit report with your bureau. I have already successfully disputed this account with the other credit reporting agencies, and they have promptly taken the necessary actions to rectify the situation. The fraudulent account in question is XXXX XXXX, and I believe it is a result of identity theft. I reported this issue to your bureau on XX/XX/2023 and I have submitted all required documentation, including the identity theft affidavit, a copy of my ID, and any other supporting evidence. 
I am confused and concerned about why your bureau has not acted in accordance with the Fair Credit Reporting Act ( FCRA ) and allowed this false information to tarnish my credit score.

Failure to comply with this request within the legally mandated time frame will leave me with no option but to pursue legal action to protect my rights under the FCRA.