davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-30
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. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with EXPERIAN XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft
Consumer complaint received 2016-02-14
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (CA)

I signed up for Experian for a one time credit report. I purposely reviewed the terms to ensure I do not get residual billing. I was satisfied and bought my credit report. Now, since XXXX XXXX, I have been charged for credit monitoring service I never used ( no logins, views ) nor purchased. 

I spoke with Experian on XXXX/XXXX/XXXX at XXXX PT. XXXX answered the phone and he refused to refund my residual billing. I talked to a supervisor, XXXX, and she refused to reverse my resodual billing. I asked XXXX if there is another escalation I could proceed with, she said 'no '. 

The website is grossly deceptive. I previously heard about possible residual billing without permission and I still was charged. 

Please help me get my charges reversed and send corrective action to Experian. They are deceptive.
Consumer complaint received 2024-07-30
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 account with 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 those account 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 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 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediatelyXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-09-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (TX)

I had been disputing negative information on my credit report with the credit bureaus for over a year. In XX/XX/XXXX, I logged into my Credit Check Total account to review my credit report and noticed that Equifax had removed every single account from my credit report except for my dismissed bankruptcy and an account that had been illegally opened by my ex-girlfriend ( which is an account that I have been disputing both with the credit bureaus and with the creditor themselves ). 
I called Equifax and spoke with a representative over the phone and he had no idea what had happened or how to help me. He suggested that I send them a fax with a copy of my previous credit report that showed the information that needed to be re-added to my credit report. I had this information sent to them and it has been over 30 days since this information was provided to them. They still have not re-added these accounts back to my credit report and this has had a very damaging effect on my credit report. 
I do not know how this happened or what caused this to happen, however I would like for my good payment history and good credit history put back onto my credit report as I feel this is very unfair to me.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I recently reviewed a copy of my credit report. I was Shocked to see that i have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2024-07-30
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 express my profound disappointment, anger, and disbelief regarding your handling of the fraudulent accounts that has appeared on my credit report. Despite my numerous attempts to resolve this issue and my diligent submission of all required documentation, including the FTC Identity Theft Report, this fraudulent accounts remains unresolved, and my credit report continues to reflect inaccuracies that are severely impacting my financial standing and peace of mind.I brought these fraudulent accounts to your attention because I was assured that an investigation would be conducted, and the accounts would be removed if found to be fraudulent. Since then, I have written multiple letters and provided all necessary documents, including : A detailed explanation of the fraudulent accounts. 
The completed FTC Identity Theft Report. 
Copies of my identification documents. 
Any additional information requested by your office. 

Despite my compliance and the clear evidence presented, I am deeply frustrated to find that my efforts have been in vain. The accounts in question remain on my credit report, and I have not received any satisfactory resolution or clear communication regarding the status of your investigation. 

It is disheartening to experience such neglect and lack of responsiveness from an institution that plays a crucial role in safeguarding consumer financial information. The continued presence of these fraudulent accounts are not only unjust but also a severe breach of my rights as a consumer. I expect prompt and decisive action to rectify this situation. 

XXXX XXXX XXXX XXXX and XXXX XXXX.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Revco Management, LLC (PA)

My credit report shows a collection from your agency. I was never notified of this collection and or given the proper notification in regards to this debt. nor was i given the opportunity to dispute his debt. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PROTECTION ACT, I have the right to request and receive validation of the debt. If you feel like you've sent proper notification please send me the certified copy of of the proper notification, proper receipt with my name and signature on it. along with that please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number. 



XX/XX/2024 I've sent a certified copy asking this company to validate this debt is mine. I haven't received a correspondence. According the FCRA this company should have sent a correspondence within 30 days of notice.
Consumer complaint received 2024-11-12
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. (AR)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-30
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: London & London (CA)

Subject : Cease and Desist Collection Efforts Invalid Debt Due to Charge-Off Without 1099-C Filing Account Number : Client Name : XXXX  XXXX To Whom It May Concern, This letter serves as formal notice that I am disputing the validity of the debt your firm is attempting to collect on behalf of XXXX  XXXX. According to my records, this debt was previously marked as " charged off '' by XXXX XXXX, and to date, I have not received a Form 1099-C ( Cancellation of Debt ), which is legally required under federal law when a creditor cancels a debt of {$600.00} or more. The absence of this form indicates that the creditor has not lawfully canceled the debt, yet your firm is now attempting to collect. Please be advised that under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have rights that protect me from unfair, deceptive, and abusive collection practices, as well as inaccurate reporting of debts. Your attempt to collect on a debt that was charged off without a proper 1099-C filing violates both the FDCPA and the IRS requirements , as it creates confusion about the true status of the debt. Your firm may be facilitating deceptive practices, and I am prepared to pursue this matter in court if necessary. Further, this collection attempt violates IRS regulations under 26 U.S.C. 6050P, which requires creditors to file a 1099-C when they have discharged debt. The failure to file this form indicates that your client has either not followed through with the legal charge-off process or is attempting to maintain the collection rights despite not fulfilling their legal obligation to report the cancellation of debt to the IRS and to me. In light of these clear legal violations, I demand that you cease all collection efforts immediately. Additionally, any further attempts to collect on this debt without first correcting the reporting to both the IRS and my credit report will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state attorney general, and any applicable bar association regarding your unethical collection tactics. I will also explore all available legal remedies, including a lawsuit for damages, legal fees, and other appropriate relief under both state and federal law. I expect written confirmation within 30 days that you have ceased all collection activities and that your client has either properly issued a 1099-C or will remove the charge-off from my credit report entirely. Failure to comply with these demands will be met with aggressive legal action on my part.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I am writing to formally dispute the reporting of the account XXXX. ( XXXX XXXX, XXXX ). I recently obtained a copy of my credit report and found several inaccuracies and instances of non-compliance with the Metro2 reporting reported. 
Account Number XXXX XXXX-Please verify for accuracy XXXX Please verify for accuracy XXXX-Please verify for accuracy XXXX-Mathematically questionable XXXXMissing field but it is required XXXX A violation because there should be no past due amount on a collection account XXXX Missing field and it's required XXXXQuestionable-There was no complete or full investigation done and how was it verified/updated XXXXmissing field and it's required Also, upon reviewing the Metro 2 compliance guidelines and CDIA reporting requirements, I have identified the following discrepancies. 
Term Frequency- ( XXXX ) -This field is missing from the report, and this must be present, or you must delete this report immediately. 
FCRA Compliance/Date of First Delinquency-XXXX-This field is missing from the report, and this must be present, or you delete this account immediately ECOA Code-XXXX-This field is missing from the report and this must be present or you must delete this report immediately. 
Also, I have another discrepancies concerning the payment history. 
The account was not opened on XX/XX/year>. If so, how could it be updated on XX/XX/year> and then it's showing 'C ' collection in XXXX.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to formally dispute inaccurate information on my credit report as provided by your bureau, specifically regarding the account with XXXX XXXX. After reviewing my credit report, I have found numerous inaccuracies and late payment entries that violate my rights under the Fair Credit Reporting Act ( FCRA ). 

# # # Inaccuracies Identified : 1. Account Status : The account is reported as " CHARGE_OFF, '' which does not accurately reflect my payment history and the status of this account. 
2. Payment History : The reported payment history shows multiple late payments ( 30, 60, 90, and 120 days past due ) that are incorrect. I have made payments in accordance with the agreed terms and have documentation to support this. 
XXXX. Reported Balance : The reported balance of {$21000.00} does not reflect the payments I have made, and I dispute this amount as well. 

# # # FCRA Violations : These inaccuracies are in direct violation of the following provisions of the FCRA : - Section 1681e ( b ) : This section requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information reported. The inaccuracies in my file indicate that this requirement has not been met.

- Section 1681i : This section grants consumers the right to dispute information in their credit reports and requires bureaus to conduct a reasonable investigation of those disputes. Given the inaccuracies in my report, I expect a thorough review and rectification.

- Section 1681s-2 ( a ) : This section outlines the responsibilities of furnishers of information to provide accurate information. XXXX XXXX has failed to do so, as reflected in your reports. 



# # # Address Removal Request : Additionally, I request the removal of my previous address : I require written confirmation that these inaccuracies and outdated addresses have been removed from my credit report. Should you fail to comply with these demands, I will pursue all remedies available to me under the FCRA, including, but not limited to, filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and exploring legal action.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-30
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A. (NY)

The Costco anywhere Citi Bank sued me for debt collection, however they did not sue my XXXX XXXX  even though he has a card under his name and he used the same account. I had to settle with the debt collection agency to avoid any harm to my credit score. Keep in mind that I was not aware that the card was under my SS and the XXXX XXXX refused to pay his share. Im filling a police report as I have some evidence that he opened the account without my consent. 
Now I want him to have his share and add this debt to his credit score. I already paid two payments to the collection agency and Im planning to continue with my payments until I fill my obligations. 
Its unfair to take such a huge responsibility by myself while someone else enjoying the benefits of good credit score. 
I really appreciate your support as my divorce case still in court.
Consumer complaint received 2024-07-30
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)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (IL)

Most likely, this was Identity Theft after an insurance data leak. 
My credit score is badly influenced and is impacting my life. 
Utility Account Opened by the Thief Company or Organization : TRANSWORLD SYSTEM INC 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 2024-07-30
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. (AZ)

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act XXXX XXXX. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
XXXX. This Account is in violation of 15 U.S. code 1681A ( 4 ) for consumer right to privacy.This bankruptcy shouldnt be on my credit/consumer report. 
XXXX XXXX Case Number : XXXX Delete From My CREDIT REPORT XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Account Number : XXXX Delete this account. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX CARD Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.