davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-10
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: EQUIFAX, INC. (AR)

This is my several request to the XXXX Credit Bureaus and it seems it does'nt makes me satisfied of what they conclude to my credit report. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain the highest credit score, I want the XXXX credit bureaus to be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove those items which are frauds from my personal credit file : XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX AR ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$600.00}.
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. (PA)

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 2023-07-10
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: EQUIFAX, INC. (CA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX  XXXX XXXX  XXXX Balance : {$420.00} XXXX  XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXXXXXX Balance : {$420.00} XXXX XXXX XXXX Balance : {$420.00}
Consumer complaint received 2024-08-28
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 uploaded and sent letters for proof for account never late and paid in full closed. I have asked for response from companies reporting agent in form of a letter with company header. I have not received anything but items will remain on credit report and the response comes within XXXX. After asking for representative reporting and specific detail of explanation. In written form of a letter bearing the representative signature. 
Bankruptcy was not reported by courts. It's is personal information that was paid for from thrid party. My Bankruptcy was never in XXXX colorado. And I asked as well please remove cause location is filed wrong and called the courts and sent letters in from court explaining they do not report to to any credit bureau. 

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 XXXX # XXXX, Texas Attorney General : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 . 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 an 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 2024-08-28
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
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. (GA)

XXXX XXXX Date of Birth : XX/XX/XXXX Correct and Only Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Last 4 of SSN : XXXX Email : XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX Washington, XXXX XXXX Dear Sir/Madam, I, XXXX XXXX XXXX am writing to formally dispute incorrect information reported on my credit report. On XX/XX/XXXX, I contacted all three credit bureaus regarding inaccuracies, but as of today, XX/XX/XXXX, I have not received any communication confirming the removal of this incorrect information. 

Credit Report Information : Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX Last 4 of SSN : XXXX I am demanding the immediate removal of all incorrect information from my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate information on my credit report. Section 609 ( 15 U.S.C. 1681g ) mandates that consumers have the right to obtain all information in their files at the consumer reporting agency, including any inaccuracies that may be affecting their creditworthiness.

Additionally, Section 611 ( 15 U.S.C. 1681i ) requires credit reporting agencies to conduct a reasonable investigation of disputes and to remove any information that can not be verified. As I have disputed this information and received no response, the agencies are in violation of the FCRA.

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), consumers are protected from misleading or inaccurate information. As such, I am requesting that you ensure all reporting agencies comply with federal law by conducting a thorough investigation and removing any unverifiable information from my report.

Please confirm receipt of this letter and provide documentation regarding the actions taken in response to my disputes. I expect the inaccurate information to be addressed immediately, as mandated by law.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX XXXX
Consumer complaint received 2023-07-10
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: Experian Information Solutions Inc. (TX)

I am writing to urgently request the removal of fraudulent information from my credit report. Upon reviewing my credit report for the purpose of purchasing a house, I discovered multiple accounts, addresses, and names that are completely unfamiliar to me. This misinformation is damaging my creditworthiness and hindering my ability to secure a mortgage. 

I have identified the fraudulent accounts and addresses as follows : Fraudulent Accounts : 1. Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX Account Number : XXXX XXXX. Account XXXX : XXXX Account Number : XXXX XXXX. Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX XXXX. Account Name : XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Fraudulent Addresses : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have never opened or authorized any of the mentioned accounts, and the addresses listed are entirely unfamiliar to me. This fraudulent information poses a serious threat to my financial well-being and undermines the accuracy of my credit report. 

I kindly request that you investigate and promptly remove all fraudulent accounts, addresses, and associated information from my credit report. The inclusion of these inaccurate and unauthorized entries is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I understand that your duty is to ensure the accuracy and integrity of credit reports. I trust that you will conduct a thorough investigation into this matter and take the necessary steps to rectify the situation. I request that you provide me with written confirmation once the fraudulent information has been removed from my credit report. 

Please treat this matter with the utmost urgency, as it directly impacts my ability to secure a mortgage and engage in other financial transactions. I appreciate your immediate attention to this serious issue and look forward to a prompt resolution. 

Thank you for your assistance in resolving this matter. Should you require any further documentation or information from me, please do not hesitate to contact me at the address provided above. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-10
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, 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.
Consumer complaint received 2024-09-27
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: ADP Inc. (NJ)

In XXXX of XXXX I started working for a company who provided me with a " Global Cash Card ''. I found out recently via their website that the company was acquired by Wisely by ADP. When I activated the card, I was not aware that I was dealing with Wisely and was not given a breakdown of the conditions and fees of the card. Since then, Wisely had been charging me fees that I had not agreed to or been made aware of. Wisely charged an " inactivity fee '' of XXXX dollars monthly for years at no point attempting to notify me in addition to a Debit. In XXXX of XXXX I was charged XXXX separate " Dormancy Fees '' every few days. On the Cardholder agreement list of fees there is no mention of a Dormancy fee. The total charges amounted to roughly XXXX dollars however, many of my online statements are inaccessible and I'm not certain the total number of fees I was charged. For 3 years I wasn't even aware that I had an account with Wisely never mind that I was being charged a large amount of fees.
Consumer complaint received 2023-07-10
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)

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX, XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX 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 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I assert that these late payments are inaccurately reported and violate my rights under consumer protection laws for the following reasons : 1. Violation of Consumer Law : Consumer protection laws, including 15 U.S. Code 1666b, safeguard consumers from unfair credit reporting practices. The reporting of inaccurate late payments on my credit report constitutes a violation of these laws.

2. Accuracy Requirement : According to 15 U.S.C. 1681a ( 2 ) ( I ), consumer reporting agencies must ensure the accuracy of the information they report. The inclusion of inaccurate late payments on my credit report fails to meet this requirement.

3. Privacy Protection : 15 U.S. Code 6802 aims to protect consumers ' privacy rights by ensuring the accuracy and confidentiality of their personal information. The reporting of inaccurate late payments compromises my privacy rights and must be rectified immediately.
Consumer complaint received 2023-07-10
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)

A XXXX XXXX XXXX XXXX starting with XXXX ) is showing a charge-off in XX/XX/2018 on Experian ; however, this is no missed payments showing previously. Thus, the charge is clear attempt by XXXX & Experian to negatively affect my credit report for more than 7 years.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

Hello, My credit reports states there are 2 missed payments on this account. 

I am directing you to remove ALL late payments on this account and update my credit report to paid as agreed pursuant to Federal Law under the Heroes Act.

The Heroes Act states ; Negative consumer credit reporting during the COVID-19 pandemic is SUSPENDED. PLUS an additional 120 days.

The Covid 19 pandemic was declared over on XX/XX/2023. 
120 days from XX/XX/2023, is XX/XX/2023. 

The Heroes Act also declares that adverse information is prevented from being added to consumer credit reports TO PREVENT ruining credit scores. These two late payments injured my report and must be removed. 

Also, Credit score furnishers are prohibited from creating and/or implementing new credit scoring models that would lower existing consumer credit scores during the COVID-19 pandemic. 

Additionally, this account is paid up to date. 

Thank you. 

Attached you will find the following ; 1. HEROES ACT 2. Image from CDC.gov declaring XX/XX/2023 as end of Covid 19 Pandemic 3. Image proving XX/XX/2023 as 120 days from XX/XX/2023.
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. (FL)

i found a few accounts on my report i own businesses in XXXX states so iam always traveling my information been exposed and someone is using my information and this is improper use of my credit report. in accordance with with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states i have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666B, these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2023-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: PNC Bank N.A. (IL)

I have already went to the company to resolve the discrimination i am facing with this company. They have made an erroneous credit decision based off of melicious intent. With a perfect history across several accounts in no way shape or form should have have had my credit lines reduced. This will adversely affect but credit sending both lines up to a 90 % usage. Also, there is no evidence of higher risk by simply using a car that was moderately used to dormant over years. The email I send to the CEO of the company is below. 


First email no response. 


Good afternoon XXXX CEO of PNC Bank, It is my intention to engage with your company regarding my PNC relationship. I have been a customer with you for over 2 decades. I have paid off 3 Vehicle loans. I have 3 banking accounts. Also, have maintained 2 credit cards in good standing with no payments late over the last two years. I have a PNC Points credit card & a PNC Cash builder credit card. Both have been open and paid in good standings for 6 years and 9 years. 

I was saddened to discover after doing a balance transfer after my card was daily dormant for a time. I found that both of my credit lines were reduced creating a 90 % usage. The both were {$20000.00} separately and {$40000.00} combined reduce to {$5000.00}. I made a complaint and received a call from XXXX who was not equip to answer my questions or work through the escalations process. She was combative and obstructive to the process of seeking to understand what has happened. Asking did you read the letter in the mail is cold and simply beneath the standards that PNC has set in past interactions. 

I understand there are many factors you consider when making decision. My intention is to get you all to reconsider without doing a hard pull as offered by XXXX because a hard pull was not necessary to make the decision. She treated me as if you no longer wanted my business and I am saddened that the banking relationship has soured in the manner. She over talked me and my experience is that she wanted to defend a pore decision at all cost. I intend to take whatever action is necessary to be treated fairly under the FCRA and also I would prefer to avoid contacting the CFPB and the OCC to look into this matter. I feel discriminated against and harmed by the decisions made in such a knee jerk way. Also the obstruction in finding a solution to my concern is operant. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX XXXX XXXX