davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-23
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)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Consumer complaint received 2024-07-23
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. (VA)

I am writing to follow up on my previous dispute regarding several negative accounts on my credit file, which remain unverified and unjustly reported. Despite my earlier correspondence, these negative items still persist on my report.
Consumer complaint received 2024-07-23
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. (SC)

I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-07-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TN)

To Whom It May Concern : I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Account Name & Account Number : Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( Fields v. Wilber Law Firm Coppola v Arrow Financial Services ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract ( 73 Am Jr sect. 93 ) & ( Gearing v Check Brokerage Corporation ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions.
Consumer complaint received 2024-07-23
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)

Under the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1880 15 U.S.C. 1681 Section 602A states that I have the right to privacy.

15 U.S.C .1681 Section 2 604A states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. Section ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information other than records of convictions for crimes that antedate 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 2024-07-23
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. (MI)

I have requested for over a year for fraudulent addresses and account to be removed from my credit report and still no action has been taken place I have police reports as well as document s that I have sent to experian and still No action has been taken Please remove fraudulent addresses XXXX XXXX XXXX XXXX XXXX mi XXXX XXXX XXXX XXXX mi XXXX Fraudulent accounts XXXX XXXX opened XX/XX/XXXX XXXX  XXXX opened XX/XX/XXXX XXXX XXXX  opened XX/XX/XXXX Below is documentation that has been provided along with police report
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2021-12-23
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Financial Services LLC (IN)

Phoenix Financial Services in IXXXX, IN attempted to collect a {$50.00} XXXX debt for a local provider for a XXXX test. The provider admitted they mistakenly referred the collection to Phoenix and asked them to remove the collection from my credit report. I emailed Phoenix on four occasions and they have not yet removed the item from my report.
Consumer complaint received 2024-07-23
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 am writing to dispute several accounts on my credit report that I believe are a result of fraud. Please investigate these items as soon as possible and remove them from my credit report. 
Below are the details of the fraudulent accounts : Account name : Source Receivables Date opened : XX/XX/XXXX Total amount : {$470.00} Account name : XXXX XXXX XXXX In Date opened : XX/XX/XXXX Total amount {$0.00} I did not open these accounts or authorize anyone else to open them on my behalf. This is a clear case of identity theft, and I request that these fraudulent entries be removed from my credit report immediately. 

Enclosed with this letter are copies of relevant documents supporting my claim of identity theft. 
Please investigate this matter promptly and provide me with a written confirmation of the actions taken to resolve this dispute. I also request that you provide me with an updated copy of my credit report once these fraudulent accounts have been removed. 

Thank you for your immediate attention to this matter.
Consumer complaint received 2024-07-23
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. (MO)

During the review of my credit report, I noticed several hard inquiries that were not mine. 

XXXX. XXXX XXXX inquried on XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX I tried finding a phone number for this business but was not successful. I even called XXXX customer service and they were not able to help me. I tried disputing this through the credit reporting agency Experian online but when I l clicked file dispute it says hard inquiries I have to call on. I called Experian and the customer service people told me I have to file an FTC complaint for them to review the removal of a hard inquiry. 

2. There was also one for XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  XX/XX/XXXX and XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX. 

None of these are my inquiry nor did I authorize anyone to apply for credit. 

I have put a fraud alert on my credit reports and locked the credit file.
Consumer complaint received 2024-07-23
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)

I have to refile this complaint to EXPERIAN because they are not taking actions even how hard I tried to communicate with them about the unauthorized inquiries and fraudulent accounts on my credit document that are genuinely agreeable, demonstrated legitimate, or reported as completely non-permissible and a result of Identity theft also this complaint includes unverified and incorrect information the accounts. My address is XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX, and I go by XXXX XXXX XXXX XXXX My birthdate is XXXX. I have noticed likely duplicitous and unquestionably dubious protest announced requests on my credit records that have no allowable or approval made by my individual of choice. The FTC report numbers related to this complaint XXXX. As a consumer, I have the right for request or potentially constrain you to eliminate them when conceivable inside my government and state consumer or potentially social equality. I am filing this consumer complaint and conducting a consumer check to ensure compliance with FACTA Title 1 Section for the particular items you are reporting. 151 that unambiguously obliges a depicted of the modus.
Consumer complaint received 2023-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (OR)

This is a follow up from complaints XXXX, XXXX, and XXXX. Per Goldman Sachs reply to the last complaint, they believe they have fixed my account by backdating the payment to reflect the correct date and refunding all of my interest, which they have indeed appeared to have done. 

Unfortunately, it seems that in the process of making those changes to my account that they have messed up a promotional purchase offer from the Apple Store. This purchase was made in XX/XX/2022, for {$790.00}, to be paid at 0 % APR over two years, with monthly installments of {$33.00}. On my most recent statement this balance now shows as paid off and my total due is {$950.00}. This is incorrect. There should be a remaining promotional balance of {$590.00} and my " pay in full '' amount for XXXX should be {$350.00}.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

I am filing a complaint against XXXX, Experian, and XXXX for reporting inaccurate information on my credit report. Despite my repeated attempts to correct this, the incorrect data remains, significantly harming my credit score.

XXXX XXXX  : - Creditor : XXXX XXXX - Account Number : XXXX - Status : Voluntary repossession initiated in XXXX, closed since XXXX **Complaint** : - Credit Acceptance refused my voluntary repossession request in XXXX. 
- A court judgment was awarded in my favor, and the account has been closed since XXXX. 
- The account is still being reported as open and late, which is inaccurate. 

This continued misreporting violates my rights under the Fair Credit Reporting Act ( FCRA ). I have made numerous attempts to correct this with the credit bureaus, providing necessary documentation, but they have failed to update my report.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My account with ( XXXX, XXXX XXXX XXXX XXXX XXXX ) 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 in ( MONTHS REPORTING LATE ) 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. 


( XXXX, XXXX XXXX  XXXX XXXX XXXX ) 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 2023-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: U.S. BANCORP (MN)

My purse was stolen on XX/XX/2023 from a locked car that was left for XXXX minutes with the purse hidden. The US Bank fraud department was notified immediately on XX/XX/XXXX and was instructed to close my checking account and told that my driver 's license was stolen also. On XX/XX/XXXX US Bank opened a new checking account but did not properly close the old one or put proper alerts on it for the ID theft. On XX/XX/XXXX XXXX fraudulent checks for {$3200.00} each were cashed at a US Bank with the cash taken. On XX/XX/XXXX the new account was debited for the fraudulent checks. On XX/XX/XXXX I discovered this and reported it to the US Bank XXXX department. I have yet to receive compensation from US Bank for the {$6500.00} in fraudulent checks that were covered by my new account.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NC)

I was the victim of attempted identity theft recently, and put a fraud alert across the XXXX bureaus throu XXXX. I froze my credit with XXXX and XXXX, but I have been trying to freeze my credit with Experian for days now, with no results, and no way to do it. When I call the Experian phone number, the automated system will not put me through to a live person, and directs me to the website. The Experian website does not let me create an account so that I can freeze my credit, or do anything else for that matter. It gives a message " Sorry... we're experienceng technical difficulties. We have been notified about this and are working to resolve this. '' I have attempted to create an account to freeze my computer from multiple computers, multiple web browsers, from multiple locations, for days, urgently, and it's the same error message, and the same inability to create the freeze on the phone. The other 2 bureaus were quick and easy, but Experian is impossible. It's a loop. 
Please, can somebody help with this?
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I asked the XXXX XXXX to do a verification of everything on my XXXX XXXX and they did, they stated that everything was accurate. I then did a through research myself and found improper inaccuracies on the credit report after the bureaus through investigation. All XXXX XXXX are reporting different scores and accounts which is XXXX 

" I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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. Accoount # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # 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 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 adverse item of of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the adverse item of information, other then records of convctions of crimes which antedates the report by more than seven years. 15 U.S.C 16815-2 ( 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 accurate.