davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MS)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-10-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TN)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA XXXX. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-10-03
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. (KS)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-10-03
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. (OH)

I'VE BEEN A VICTIM OF IDENTITY THEFT BY WAY OF THE 2017 XXXX DATA BREACH AND THE 2024 DATA BREACH. I HAVE NOTICED SOME UNAUTHORIZED ACCOUNTS ON EACH OF MY CREDIT REPORTS THAT I DID NOT BENEFIT FROM. I WOULD LIKE TO HAVE THESE FRAUDULENT ACCOUNTS THAT HAVE BEEN DISPUTED, TO BE REMOVED FROM MY REPORTS EXPEDITIOUSLY. THESE ACCOUNTS ARE HARMING MY CHANCES AT OBTAINING A CREDIT CARD OR A CAR LOAN.
Consumer complaint received 2024-10-03
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)

I am writing to formally dispute an item on my credit report that I believe to be fraudulent. Upon reviewing my credit report, I noticed an entry that I did not authorize : Account Name : XXXX XXXX Account Number : XXXX. Date Opened : XXXXXX/XX/year>. This account is not mine, and I have not engaged in any activity associated with it. I suspect that my personal information has been compromised. I have included the following documentation to support my claim : A copy of my FTC Identity Theft report In accordance with the Fair Credit Reporting Act, I request that you investigate this matter and delete the fraudulent item from my credit report as soon as possible. Please confirm in writing that the item has been removed and provide me with an updated copy of my credit report.Thank you for your attention to this urgent matter. I look forward to your prompt response.
Consumer complaint received 2024-10-03
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. (SC)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2016-11-04
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

Bank of America charged an overdraft fee when none occurred. That caused the Bank Account to go negative. Then they accepted checkcard transactions when the balance could not cover them. I did not opt in to that and it is against consumer protection laws. Bank of America continues to take advantage of consumers.
Consumer complaint received 2017-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have requested via certified mail, a formal dispute of  XXXX   XXXX   XXXX   XXXX  is Illegally reporting on all  XXXX  major bureaus,   XXXX   XXXX   and TransUnion. I have requested that the information be removed due to per Texas SOS debt collection must be Bonded, and although they are not a  3rd party collector, they are indeed trying to collect a debt via the credit bureaus with a " Cancelled Closed File '' per the Texas SOS. I have attached the search resu lts.
Consumer complaint received 2024-10-03
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)

My account with EXPERIAN was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2017-04-28
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. (TX)

XXXX , WILL NOT REMOVE THE ACCOUNT.  XXXX   XXXX   XXXX   XXXX . ITS A OLD ACCOUNT, THAT IS A FRAUD ACCOUNT. THIS IS NOT MY ACCOUNT.  XXXX   XXXX  ACCOUNTS ARE FRAUD ACCOUNTS, I WILL FILE A COMPLAINT WITH THE FTC AND  FILA POLIC E REPORT.   XXXX     XXXX , FRAUD ACCOUNTS.  XXXX   XXXX  /  XXXX   XXXX  HELP ME.
Consumer complaint received 2024-09-28
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (VA)

I discovered a collection report from National Credit System regarding a debt from XXXX XXXX XXXX for {$7400.00}. This collection account was opened on XX/XX/year>, and updated as recently as XX/XX/year>, without my prior knowledge or any notification from either National Credit System or XXXX XXXX XXXX I was not informed of the debt or given the opportunity to dispute the charges, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ). 

Additionally, my fiance, who was also associated with the account, received the same collection report. Neither of us was contacted or notified about the debt by email, phone, or letter, further violating FDCPA guidelines, which require them to inform all responsible parties and give us the opportunity to dispute or validate the claim before reporting it to credit bureaus. As a result, the collection was reported directly to the credit bureaus, negatively impacting both of our credit scores. 

Furthermore, I had been requesting the return of my security deposit and the XXXX months rent I had paid upfront. At the time of my departure, XXXX  days of that rent were still remaining unused. Despite my attempts to resolve this matter with XXXX XXXX XXXX, no action was taken to address my request or refund the amount owed to me. 

To resolve this, I have previously tried contacting XXXX XXXX XXXX and their management, but no resolution was provided. I have documented proof of my communication attempts, including emails and a timeline of events, such as when my access to the apartment was XXXX, which ultimately led to my departure from the property. 

I request that this collection be removed from both my credit report and my fiances, due to the lack of notification and violation of FDCPA guidelines.
Consumer complaint received 2024-10-03
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 disputed two accounts on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX  both of which reported inaccurate negative payment statuses. These accounts had a significant negative impact on my credit score, preventing me from obtaining a mortgage. 

I received a notification from Experian stating that the accounts were " verified '' as accurate. However, Experian did not provide any documentation or proof of the investigation conducted to verify the accuracy of the information, despite my requests. I have also contacted XXXX XXXX XXXX XXXX XXXX XXXX directly, and they have failed to provide any proof supporting the negative information on my credit report. 

I am concerned that the companies involved have not conducted a proper investigation, as required under the Fair Credit Reporting Act ( FCRA ). I have made several attempts to request proof of the verification process but have not received any valid documentation from any of the parties. I believe that this is a violation of my rights under the FCRA, and I am requesting that the inaccurate information be corrected or removed immediately. 

This issue has directly affected my ability to secure a mortgage and has caused significant financial harm. I would appreciate the CFPBs assistance in investigating this matter and ensuring that the companies involved comply with the FCRA.
Consumer complaint received 2024-10-03
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Formal Complaint Regarding Inaccurate Credit Reporting and Lack of Response from Credit Bureaus Dear CFPB Team, My name is XXXX XXXX, and I am writing to file a formal complaint regarding the inaction by the XXXX major credit bureaus ( XXXX, Experian, and XXXX ) in resolving inaccuracies on my credit reports. I contacted all three bureaus on XX/XX/XXXX, requesting corrections and validation of information that does not belong to me. However, as of XX/XX/XXXX, I have not received any form of communication from any of the credit bureaus. 

My correct and only address is XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, GA XXXX, and my date of birth is XX/XX/XXXX. I would like to firmly request the removal of all incorrect information that remains on my credit reports. This includes former addresses that are not accurate and other details tied to my identity. 

Here is a summary of the incorrect information on my reports as of XX/XX/XXXX : XXXX : Incorrect current address : XXXX XXXX XXXX XXXX, XXXX, MI XXXX Incorrect previous addresses : XXXX XXXX XXXX, XXXX, MI XXXX ; XXXX XXXX XXXX, XXXX XXXX, MI XXXX Incorrect employer : XXXX XXXX Experian : Incorrect current address : XXXX XXXX XXXX, XXXX, MI XXXX Incorrect previous addresses : XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MI XXXX XXXX employer : XXXX XXXX These inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies must ensure accurate reporting and respond to disputes in a timely manner. Specifically : Section 611 ( 15 U.S. Code 1681i ) requires credit bureaus to investigate disputed information and respond within 30 days.

Section 607 ( b ) ( 15 U.S. Code 1681e ( b ) ) ensures the accuracy of the information reported.

The failure to remove erroneous data after being notified constitutes a violation of Section 623 ( 15 U.S. Code 1681s-2 ( b ) ) of the FCRA, which obligates furnishers of information to investigate and correct inaccurate information.

I kindly request that your office intervene on my behalf and enforce my rights under the law. I demand the immediate correction of all inaccuracies on my credit report, as well as confirmation that this issue has been resolved. Please ensure that XXXX, Experian, and XXXX comply with their legal obligations and notify me accordingly. 

Thank you for your attention to this matter. I appreciate your prompt assistance in resolving this issue. 

Sincerely, XXXX XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

To whom it may concern, I am writing a letter of dispute. I have included a copy of my driver 's license and social security card to validate my identity. In accordance with Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( hereinafter referred to as " FCRA '' ), your credit reporting agency is required by Federal Law to verify physical records on file of the original signed account or contract from any accounts you post my credit report. 
I am formally requesting verifiable proof of the original consumer contract with my personal signature on the record. 
I have listed the accounts below in which I am requesting said verification of. Failure to verify account records in compliance with the FCRA will damage my ability to obtain credit. Under FCRA, unverifiable accounts must be promptly removed. 
I formally demand the following negative account records to be verified and/or removed immediately. 
Must provide proof of all your verification of the debt Explain and show me how you calculated what they say I owe Provide me with copies of any papers that show I agreed to pay what they say I owe with the original contract and my signature Identify the original creditor Provide a verification or copy of any judgment ( if applicable ) Please provide proof of the debtor, that they are licensed in my state and provide me with their license numbers ( if applicable ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX Account Number : XXXX {$20000.00} XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (SC)

I am filing a complaint against Experian regarding their failure to respond to my dispute letter. On XX/XX/year>, I mailed a dispute letter to Experian via certified mail ( tracking # XXXX ), requesting an investigation into inaccurate items on my credit report. Additionally, I disputed incorrect personal information listed on my report. 

To assist Experian in verifying my identity and address, I included a copy of my photo ID, social security card, and a recent bill showing my current address. Despite this, I did not receive any response or investigation results from Experian. 

Under the Fair Credit Reporting Act ( FCRA ), Experian is required to conduct a reasonable reinvestigation when the accuracy or completeness of information in a consumer 's file is disputed. It appears that Experian has violated my rights as a consumer by failing to conduct such an investigation upon receipt of my dispute. 

I am including a copy of the dispute letter I sent to Experian, along with proof of delivery, to support my claim. I am now demanding that Experian immediately and permanently remove the disputed items from my credit report.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, TX XXXX Dept Amount : {$20000.00} Date of Service : XX/XX/year> Provider of Service : XXXX XXXX XXXX  To Whom It May Concern, I have done some research and found that in accordance with the Fair Credit Reporting Act Convergent, Account # XXXX, has violated my rights. 
15 USC 1681 SECTION 602 states I have the right of privacy.

15 USC 1681 SECTION 604 A Section 2, also states a consumer reporting agency can not furnish an account without my instructions.

15 USC 1666B, A creditor my not treat a payment on a credit card account under an open end consumer credit plan as a late payment for any purpose. 
I am demanding this account be updated to reflect paid as agreed and never late. 
XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX Account # XXXX Date of Late Payment : XXXX XXXX 30 day - XXXX XXXX Update as paid on time I await your reply to the above request. I will correspond back with you by certified mail. 

Sincerely, XXXX XXXX Attached you'll find a copy of my Drivers License and proof or residency. 
( I am not a third party, I drafted this letter myself )
Consumer complaint received 2024-10-03
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX DC XXXX Subject : Demand for Validation of Account with XXXX XXXX Dear CFPB, I am writing to formally dispute the accuracy of an account reported by XXXX XXXX ( Original Creditor : XXXX XXXX ) on my credit reports. The account number in question is XXXX. I have reviewed my credit reports, and I can confirm that I do not recognize this account. 

Details of the Dispute : Account Type : Collection Date Opened : XX/XX/year> Balance : {$900.00} Account Status : Charged off as bad debt Legal Basis for Dispute Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of any debt that is being reported against me ( 15 U.S.C. 1692g ). The FDCPA requires debt collectors to provide verification of the debt upon request. Since I do not recognize this account, I am requesting validation of this debt.

Additionally, the Fair Credit Reporting Act ( FCRA ) protects consumers by allowing them to dispute inaccurate or incomplete information on their credit reports ( 15 U.S.C. 1681i ). If the creditor can not validate this debt, I request that it be deleted from my credit reports.

Requested Actions I kindly request that you provide me with documentation verifying that this account is valid and that it belongs to me. If you can not provide this evidence, I ask that the account be removed from all credit reporting agencies.

Please respond to me at the address above within 30 days, as required by the FDCPA. I appreciate your immediate attention to this matter. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-03
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. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

Experian is not removing old accounts that are paidXXXX XXXX XXXX XXXX XXXX last updated in 2019. The other credit bureaus removed this mistake long ago. Also, hard inquiries are slow to come off my report. Just upset that Experian refuses to do anything about this after several attempts. This is keeping my credit score at XXXX. A full XXXX lower than the others. Tired of this lazy company not doing its job and holding me XXXX. I did my part by paying everyone a year ago it more. Time for Experian to do their part and be held responsible. Thank you