davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-15
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. (GA)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (SC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX & XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

My accounts 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/updated.

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.

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!
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I disputed this inaccurate information on XX/XX/XXXX and reached out to the following companies for assistance VIA TELEPHONE and still this has NOT been resolved I provided TRANSUNION information explaining that I am a victim of identity theft and let them know this action items where UNAUTHORIZED and not a result of my doings ( SEE POLICE REPORT - FOR THEFT ATTACHED ) In my dispute I asked that an employer AND unknown hard inquires be removed as they are damaging my reputation and character PER, The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

**** Transunion is in violation, as I have stated and was willing and to provide documentation that these hard inquired are inaccurate! I have explained that this false reporting is unfair, and affecting the privacy of my information. 

PER, 15 U.S.C 1681 e - Accuracy of Report ( B ) states. Whenever a consumer reporting agency prepares a consumers report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the reports relate. 

**** TRANSUNION has not gathered or provided the maximum possible and reasonable procedures to ensure this false information reporting on my credit report is accurate. 

The following HARD INQUIRES & EMPLOYER INFORMATION SHOULD BE DELETED!! 

Employer : XXXX XXXX XXXX Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-15
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. (GA)

It is the purpose of the FCRA to require that XXXX XXXX XXXX Experian to adopt reasonable procedures for meeting the needs of commerce for CONSUMER CREDIT, personnel, insurance and other information in a manner which is fair and equitable to the consumer, with regard to confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title. 
This statement is an excerpt directly from the FCRA. However, Experian employs unreasonable procedures in which Experian has lied and avoided conducting legal investigations to validate the information reported on my consumer report. Constantly reporting any items that are sold to your agency without proper validation of the debt or proof of ever conducting a lawful investigation pursuant to 15 USC 1681a ( e ) is a violation. 15 USC 1681a ( e ) states that an investigative consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through PERSONAL INTERVIEWS WITH NEIGHBORS, FRIEND, OR ASSOCIATES of the CONSUMER REPORTED ON or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Experian failed to conduct a lawful investigation pursuant to the FCRA by conducting the personal interviews necessary for validating debt. I requested once again valid proof of your investigative results, over XXXX days ago and have yet to receive a response from your XXXX XXXX. I suspect that no verifiable investigation has ever been conducted. Not only did Experian state they conducted an investigation using reasonable procedures they also deleted the disputed accounts ( XXXX XXXX of XXXX Accounts ) then reinserted them months later and never provided the Consumer any proper notice or explanation of the investigation with documentary evidence of the investigation and its results, as requested by the Consumer. Experian also continues to share consumers information and Consumer report to non affiliate companies, with no permissible purpose and no written permission from the Consumer. Consumer opted out of promotional use of its Consumer report. Consumer has documented Experian sharing her information to over XXXX non authorized or affiliates companies. This is a direct violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports.
Consumer complaint received 2024-08-15
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. (NY)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone number ( XXXX ) XXXX Account info : Account number # XXXX Open/closed : Closed Date opened : XXXX XXXX XXXX Account type : Credit card I was looking at my credit report an i noticed that there was inaccurate and or incomplete information reported on my credit report. I requested an investigation to verify the information was complete and accurate but they have yet to change the incorrect information and its was said to be verified but the incorrect information is still on my account. There has been multiple attempts to get this incorrect information corrected. one of multiple issues is this account is not reported according to the IRS when an account is charged off its considered income, and according to the FCRA income can not be reported on a credit report. i want a 1099-c ( cancellation of debt ) form from XXXX XXXX XXXX services. I have yet to have this issue or any other documentation requested sent to me id like this incorrect information removed from my credit profile. XXXX XXXX XXXX services received a corresponding tax deduction for the uncollected amount associated with this charge off and had the balance of {$1100.00} as income on my taxes! This account can no longer be reported on my credit report. Not only does this violate my rights per FCRA it is also tax fraud. Delete this account from my file immediately for inaccuracy.
Consumer complaint received 2015-06-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC (OR)

I declared bankruptcy ( XXXX ) in XXXX XXXX and re-affirmed my loan with XXXX XXXX. XXXX reported my payments as " current '' which was correct. The issue came up when XXXX transferred my loan to Green Tree as of XXXX XXXX. XXXX failed to report my loan as " re-affirmed '' and this error was duplicated by Green Tree. As of XXXX XXXX Green Tree still continued to show my loan as in bankruptcy despite the loan being re-affirmed and the bankruptcy being discharged in XXXX XXXX. Green Tree also showed late payments in its XXXX report to the credit agencies which was not correct. I wrote Green Tree on XXXX XXXX, XXXX when i became aware of this. Green Tree sent me a letter dated XXXX/XXXX/XXXX where in they decided to delete the loan from any credit agency reports. The loan exists and instead of correcting the error they simply deleted the loan from all XXXX credit agencies. I checked my credit report with XXXX today and sure enough, there is NO Green Tree mortgage. So now the XXXX XXXX is still reported with last activity XXXX which is a mistake AND there is no note that shows a transfer to Green Tree because Green Tree simply deleted the entire loan account.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-08-15
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)

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 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (IL)

I Did not Authorize for any Companies on my Consumer Credit Reports to report any information to Any Credit Bureaus. According to The Credit Fair Reporting Act FCRA Section 605B It is illegal to report information on my credit report without my permission. Please remove These items from my Credit ReportsTHANK YOU.
Consumer complaint received 2024-08-15
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. (VA)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2017-05-20
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. (KS)

I have a disputed debt with  XXXX  financial that appears on my Experian Credit Report. After disputing the debt with the collection agency directly, they did not remove the account or mark it as disputed. Instead they referred the account to an attorney to attempted to use removing the credit trade line as a means of getting me to sign away my rights under the Fair Credit Reporting Act. Regardless of this,  XXXX  is willing to delete the tradeline in exchange for a release of your claims. Please let me know if you will accept this offer. Sincerely,  XXXX   XXXX   XXXX   XXXX ,  XXXX ,  XXXX ,  XXXX  After receipt of this e-mail I spoke with  XXXX   XXXX , managing partner of the firm who stated that offering to delete tradelines is a common practice their firm uses to avoid litigation provided the litigant agrees not to sue their client. This is complete abuse of the credit bureaus, inaccurate reporting and holding credit reporti ng hostage under the FCRA, and blatant violation of the terms and conditions of credit reporting.
Consumer complaint received 2024-08-15
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)

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 2024-08-15
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. (NC)

I have already filed a complaint with the three credit bureaus regarding negative items on my credit report. However, my complaint was ignored, and I was wrongfully accused of using a third party to submit it, despite providing my personal information. I want to make it clear that I personally submitted the complaint. If my complaint is disregarded again, I will pursue legal action against the bureaus for violating my rights. Additionally, I demand compensation for the damage they have caused to my life
Consumer complaint received 2023-05-02
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. (TX)

I sent a letter on XX/XX/2023 to Equifax, XXXX, and XXXX certified. However, it's been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 

According to the law 15 U.S. 1681i - Procedure in case of disputed accuracy. If the completeness of this accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2024-08-15
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. (NJ)

I am writing to address an ongoing issue with identity theft and Experian 's failure to comply with the Fair Credit Reporting Act ( FCRA ). 

Background : Incident : In XX/XX/year>, while reviewing my consumer report, I found several unauthorized and unfamiliar accounts. 
Action Taken : On XX/XX/year>, I filed an Identity Theft Police Report and submitted a complaint to the Federal Trade Commission ( FTC ) as instructed by the consumer reporting agencies. Despite these efforts, the problem remains unresolved. Under 15 U.S.C. 1681c-2, a consumer reporting agency must block identity theft information within 4 business days if it receives proof of identity, an identity theft report, identification of the fraudulent information, and a statement confirming that the information does not relate to any legitimate transaction by the consumer. Experian 's Non-Compliance : Failure to Certify Accuracy ( 15 U.S.C. 1681i ( a ) ( 5 ) ( C ) ) : Experian did not provide the required certification of accuracy.

Inadequate Reinvestigation ( 15 U.S.C. 1681i ( a ) ) : Experian neglected to conduct a reasonable reinvestigation.

Permissible Purpose Violation ( 15 U.S.C. 1681b ( 2 ) ) : An account wa
s reinserted without verifying its permissible purpose.

Failure to Block Information ( 15 U.S.C. 1681c-2 ) : Despite sufficient documentation, Experian failed to block fraudulent account information.

Civil Liability for Willful Noncompliance ( 15 U.S.C. 1681n )
: Experians willful noncompliance with FCRA provisions has led to civil liability.

Civil Liability for Negligent Noncompliance ( 15 U.S.C. 1681o ) : Negligence in handling my case further indicates noncompliance.

Inaccuracy in Reporting ( 15 U.S.C. 1681e ( b ) ) : The inaccurate information breaches the obligation to ensure maximum possible accuracy. 
Experian 's actions have severely impacted my creditworthiness and infringed upon my rights as a consumer. I urge immediate corrective action to address and rectify these violations. XXXX XXXX XXXXXXXX XXXX account is not mine delete this account immediately!
Consumer complaint received 2024-08-15
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)

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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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.