davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Re : Dispute of Fraudulent Activity and Demand for Correction on XXXX XXXX XXXXXXXX credit card I am writing to formally dispute the fraudulent activity on my credit report from Bank XXXX XXXX stemming from the unauthorized use of my stolen credit card. Despite my prompt reporting of the theft to the issuing bank and local authorities. Police Report XXXX : XXXX, Date : XX/XX/year> Was filed with XXXX XXXX police department. Experian has failed to correct the erroneous information. Fraudulent Transactions : I Demand for Correction : 1. Immediately remove the fraudulent transactions from my credit report. 2. Correct my credit score to reflect the removal of these transactions. 3. Provide a corrected credit report to all entities that have accessed my report in the past 12 months. Failure to Comply : If Experian fails to comply with my demands within 14 days, I will : Report to the Federal Trade Commission ( FTC ). Pursue civil litigation under 15 U.S.C 1681 ( Fair Credit Reporting Act ). Seek damages for negligence, defamation, and emotional distress. You are hereby notified that I will seek relief under : 15 U.S.C. 1681 ( Fair Credit Reporting Act ) - 18 U.S.C. 1343 ( Fraud by Wire, Radio, or Television ) - State-specific consumer protection statutes Failure to comply will result in : - Actual damages - Punitive damages - Attorney 's fees and costs - Injunctive relief XXXX XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 XXXX  days before the payment due date. 

This company never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 2024-09-23
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. (NC)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-23
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 SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-23
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. (OH)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-09-23
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. (CA)

Subject : Formal Dispute of Inaccurate Auto Loan Accounts Reported on My Credit Report Under the Fair Credit Reporting Act ( FCRA ) Dear XXXX, I am writing to formally dispute the inaccurate reporting of auto loan accounts that appear on my credit report. These accounts do not belong to me and have been erroneously included in my credit file. The specific details of the disputed accounts are as follows : Creditor/Lender Name : XXXX XXXX  XXXX Account Number : XXXX Amount Reported : {$10000.00} Creditor/Lender Name : XXXX XXXX XXXX Account Number XXXX XXXX Amount Reported : {$21000.00} Creditor/Lender Name XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Amount Reported : {$7100.00} Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ), I have the right to dispute inaccurate or incomplete information contained in my credit report, and the credit reporting agency is legally obligated to conduct a thorough and timely reinvestigation of the disputed information within XXXX  days of receiving this dispute notice. Additionally, under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy in the information they include in consumer reports. 

Given that these auto loan accounts do not belong to me, I demand that you initiate an immediate reinvestigation, contact the original creditor ( s ) for verification, and take corrective action by removing these inaccurate entries from my credit report. I have attached copies of relevant documents, including a copy of my credit report with the disputed information highlighted and a copy of my government-issued identification, to assist you in accurately identifying my account. 

In accordance with FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if the reinvestigation does not substantiate the accuracy of the information, you are required to promptly delete or correct the disputed items. I also request that you provide me with a written response detailing the results of your investigation, along with an updated copy of my credit report once the inaccuracies have been addressed. 

Please be advised that failure to comply with the FCRA 's obligations may result in legal action to enforce my rights and seek any applicable remedies under federal law. 

Thank you for your immediate attention to this matter. I look forward to a swift resolution and the correction of my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.
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. (GA)

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 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.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

My account with Experian was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  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 XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 2024-09-23
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. (CA)

Subject : Formal Dispute of Inaccurate Credit Builder Account Reporting on My Credit Report Under the Fair Credit Reporting Act ( FCRA ) Dear Sir/Madam, I am writing to formally dispute the inaccurate reporting of a credit builder account that appears on my Experian credit report. I have identified this account as fraudulent or mistakenly attributed to me, as I have never opened or authorized such an account. 

The specific details of the disputed account are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount Reported : Closed Account Reason for Dispute : This account does not belong to me and is being reported in error. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am entitled to dispute any inaccurate or incomplete information on my credit report, and you are required to conduct a reasonable reinvestigation of the disputed information within 30 days of receiving this notice. Additionally, under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to ensure the maximum possible accuracy of the information they report. 

As this credit builder account is clearly not mine, I am requesting that Experian promptly investigate this matter, verify the accuracy of the information, and remove this erroneous account from my credit report. I have enclosed a copy of my credit report with the inaccurate information highlighted, as well as a copy of my identification to assist you in your investigation. 

Please confirm in writing that you have received this dispute and provide me with the results of your investigation, including a corrected copy of my credit report once this inaccurate account has been removed, as required under the FCRA. 

I expect this matter to be resolved promptly, in accordance with FCRA guidelines. Failure to remove this incorrect information may result in further action to enforce my rights under federal law. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-23
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. (PA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-09-23
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. (CA)

Subject : Dispute of Debt and Request to Cease Communication under 15 U.S.C. 1692c ( c ) Dear Sir/Madam, I am writing to formally dispute the validity of the debt reported under my name and request that you cease any further communication with me regarding this matter. The details of the disputed debt are as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Amount Reported : {$270.00} Creditor Name : XXXX XXXX XXXX Account Number : XXXX Amount Reported : {$500.00} Creditor Name : XXXXXXXX XXXX XXXX Account Number : XXXX Amount Reported : {$580.00} According to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692c ( c ), I have the right to request that a debt collector cease all communication with me concerning any debt, except to notify me of any specific legal actions being taken. 

Therefore, I am exercising my rights under this law and formally requesting that all communication regarding this alleged debt cease immediately. 

Additionally, I am requesting that you investigate this matter and provide verification of the debt as required by law. If you are unable to provide sufficient evidence validating the debt, I demand that this information be removed from my credit report. 
Failure to comply with this request or any attempt to continue contacting me will result in my taking further action to enforce my rights under the FDCPA and FCRA. 

Please acknowledge receipt of this letter in writing and confirm that you will cease communication as requested. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-23
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. (CA)

Subject : Formal Dispute of Inaccurate XXXX  XXXX Account Information on My Credit Report Pursuant to the Fair Credit Reporting Act ( FCRA ) Dear Sir/Madam, I am writing to formally dispute the accuracy of information reported by XXXX  XXXX on my Experian credit report. The specific details of the disputed account are as follows : Creditor Name : XXXX  XXXX Account Number:XXXX  Amount Reported : {$0.00} Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ), I am entitled to dispute any inaccurate or incomplete information on my credit report, and Experian is obligated to conduct a reasonable reinvestigation of this disputed information within 30 days of receipt of this notice. Furthermore, under 15 U.S.C. 1681e ( b ), credit reporting agencies must adopt reasonable procedures to ensure maximum possible accuracy in the information they report. 

The information reported by XXXX XXXX is incorrect and materially affects my creditworthiness. Therefore, I am requesting that Experian immediately initiate a reinvestigation into this matter and correct or remove this inaccurate information. 

Attached, please find copies of documents that support my position, including account statements, payment receipts, and correspondence with XXXX XXXX, demonstrating that the information currently reported is inaccurate. 

In accordance with FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if the reinvestigation does not substantiate the accuracy of the disputed information, I expect Experian to promptly delete or modify the incorrect information from my credit report. Furthermore, I request that you provide me with a written response outlining the results of your investigation and a copy of my updated credit report once the inaccuracies have been addressed.

Please be advised that failure to comply with these obligations under the FCRA may result in legal action to enforce my rights.

Thank you for your prompt attention to this matter. I expect a thorough investigation and resolution of this dispute in accordance with the FCRA 's requirements. 

Sincerely, XXXX XXXX