davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-24
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)

PLEASE DELETE BANKRUPTCY FROM CREDIT DUE TO VIOLATING MY RIGHTS Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before i take legal action. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting TheCongressmakes the following findings : ( 4 ) There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy. 
Failure to Comply or delete these items 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In generaL Anypersonwho willfully fails to comply with any requirement imposed under this subchapter with respect to anyconsumeris liable to thatconsumerin an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by theconsumeras a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In generalAnypersonwho is negligent in failing to comply with any requirement imposed under this subchapter with respect to anyconsumeris liable to thatconsumerin an amount equal to the sum of ( 1 ) any actual damages sustained by theconsumeras a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
Under 15 US Code 1681a ( 4 ) as a consumer I have right to privacy and this bankruptcy must be deleted from my consumer reportor i will seek monetary damages in small claims court in my city and state. Also i already sent this letter to theConsumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, andFederal Trade Commission. 

PLEASE DELETE BANKRUPTCY FROM CREDIT DUE TO VIOLATING MY RIGHTS.
Consumer complaint received 2024-07-24
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)

XXXX XXXX XXXX SOCIAL SECURITY NO : XXXX D.O.B. XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX Subject : REQUEST LETTER TO REMOVE INACCURATE LATE PAYMENTS To Whom It XXXX Concern, Upon reviewing my consumer report, I discovered an account that is reporting inaccurately. I have a late payment showing 30 days late on an account that was paid on time. XXXX XXXX XXXX XXXX is in direct violation of my consumer rights reporting inaccuracies of a late payment on an account where a payment was paid on time. According to the Federal Credit Rights Act FCRA XXXX XXXX XXXX XXXX ( 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. As a consumer reporting agency XXXX XXXX XXXX ( f ), you are governed by the Fair Credit Reporting Act FCRA. XXXX XXXX XXXX, which protects consumers from inaccurate, outdated, or invalidated information reporting on their consumer report. According to the FCRA it is the consumer reporting agencys responsibility to ensure that all information contained within our consumer files are accurate and free of errors. 

I have never missed a payment on the following account : XXXX XXXX XXXX XXXX Account Number XXXX shows 30 days past due as of XX/XX/XXXX. I have attached a copy of my consumer report to this complaint on XX/XX/XXXX. 

I request you thoroughly investigate the inaccuracies of late payments and urge you to provide evidence demonstrating the lateness of payments. If you are unable to furnish such proof, I demand the 30 days late payment be promptly removed and updated to reflect their true status as on-time, paid as agreed, never late as I have consistently upheld my payment obligations without delay. 
Upon completion of your investigation, I would like to request a detailed description of the procedures used to determine the accuracy of the account that I am disputing. 

For verification purposes I have enclosed a photo copy of my official state issued drivers license and my social security card to validate my identity clearly shown below : XXXX XXXX XXXX SOCIAL SECURITY NO : XXXX D.O.B. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Phone Number : XXXX Email : XXXX Thank you for your assistance in this matter. 

Best Regards, XXXX XXXX
Consumer complaint received 2024-07-24
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. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXXccount Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I am being taken advantage of. Firstly, Experian is reporting these closed accounts with past due balances which is inaccurate reporting that is damaging my score. Secondly, 4 furnishers are reporting disputed accounts and not notating them as disputed accounts which is also a consumer credit reporting violation.
Consumer complaint received 2024-07-27
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 Account Number : XXXX Account Name : 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 2024-07-24
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. (TX)

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 
ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXXACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX- -- ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXXXXXX XXXX XXXX XXXX XXXXACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXXACCOUNT NUMBER : XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-07-27
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 XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX 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 2024-07-24
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. (TX)

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 
ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXXACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX- -- ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXXXXXX XXXX XXXX XXXX XXXXACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXXACCOUNT NUMBER : XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I am writing to follow up on my previous disputes regarding the inaccurate accounts that are continuously reported on my credit report. Despite my earlier attempts to rectify these inaccuracies, these accounts remain on my credit report and continue to negatively affect my credit standing.
Consumer complaint received 2024-07-24
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. (TX)

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2024-07-24
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. (IA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MO)

This is to follow up in regards with the ongoing issues related to my credit report, specifically the inaccurate addresses and unknown inquiries. Despite my numerous attempts to address these inaccuracies, this letter marks my XXXX effort to resolve the matter. Each time, I provided detailed information, including supporting documentation to substantiate my claims. Despite these efforts, the inquiries remain unresolved, which continues to negatively impact my credit score and financial standing. The inquiries in question were not authorized by me. I have repeatedly requested their removal, yet they remain listed on my report.I trust this provides sufficient proof to rectify these issues promptly. Kindly help me help Investigate the unauthorized inquiries listed on my credit report. and remove all inquiries that were not authorized by me. Please note that under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate credit report. The continuous failure to correct these errors is a violation of my rights under the FCRA. Kindly help me remove the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-24
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. (TX)

I am writing to formally lodge a follow up complaint regarding a persistent issue with my credit report. Despite multiple attempts, I have been unable to correct a late open account that has been inaccurately reported. Despite my numerous efforts to resolve this issue, the incorrect information remains on my credit report. This error has significantly impacted my credit score and my ability to secure financial products. Enclosed with this letter are copies of the relevant documents that support my claim, including any previous correspondence, statements, and proof of timely payments. Please help me investigate the inaccuracy thoroughly and correct the late open account information on my credit report. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and expect your prompt action within the 30-day period mandated by law. This account is as follow : XXXX XXXX XXXX Balance : {$260.00}.
Consumer complaint received 2024-07-24
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. (DE)

I checked my credit report this morning and I saw that there were inaccurate accounts. I tried logging in and logging out of my account, but when I logged in again, the inaccurate accounts were still there. I have no idea why those showed up on my credit report but I do know that I want them removed, so please thoroughly look the documents I've sent.
Consumer complaint received 2024-10-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

I am filing a complaint against XXXX XXXX XXXX, XXXX. I have been getting several calls during the day about an HSBC Credit Card ending in XXXX opened in XXXX for the amt of {$2700.00}. I am now getting threaten voicemails. I have no knowledge of this credit card nor have I received any documents in the mail. XX/XX/XXXX I sent a validation of debt letter. I have received calls the following people. 
XXXX XXXX XXXX XXXX  XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX using my moms name to get to me. XXXX XX/XX/XXXX XXXX from XXXX XXXX Processor Office said that court has filed documents under case number XXXX. I called XXXX XXXX they had nothing filed under that number or my name.
Consumer complaint received 2024-07-24
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. (TX)

I am writing to file a formal complaint against Experian, XXXX, and XXXX Credit Bureaus for their continued failure to remove unauthorized hard inquiries from my credit report. Despite providing substantial evidence since XX/XX/year>, the credit bureaus have not corrected the inaccuracies, which has adversely affected my financial standing and creditworthiness.

The four hard inquiries in question were reported without my authorization. I have submitted the following documentation to the credit bureaus multiple times : Proof of Identity : Valid government-issued ID.

Proof of Address : Bank statement ( as requested as an acceptable verification of address Proof from Creditor : Written confirmation from the creditor stating they did NOT pull my credit.

Violations of the Fair Credit Reporting Act ( FCRA ) Under the FCRA, specifically 15 U.S.C. 1681i, credit reporting agencies are required to investigate and correct any inaccurate information on a consumers credit report within 30 days. Despite my repeated submissions and clear evidence, the credit bureaus have failed to remove these unauthorized inquiries, constituting a willful or, at the very least, negligent violation of the FCRA. 

Violations of Texas Consumer Rights According to Texas Business and Commerce Code Chapter 20, Texas consumers have the right to request the removal of inaccurate information from their credit reports. The law mandates that credit reporting agencies must correct or delete any erroneous information within 30 days upon receipt of a dispute. The failure to comply with these requirements not only violates my rights under federal law but also under Texas state law.

Impact of Inaccurate Information The continued presence of these incorrect hard inquiries has caused substantial harm, including : Lowered credit score Reduced ability to obtain credit on fair terms Emotional distress and financial uncertainty I urge the CFPB to address this matter with the seriousness it deserves and to take immediate corrective action against the credit bureaus for their violations. Please consider this letter as my formal complaint and request for intervention.

I expect a prompt response within 15 days of receipt of this letter. You may contact me at XXXX for any further information or clarification. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Dear Sir/Madam, I am writing to dispute the charge-off entries on my credit report associated with the account from XXXX XXXX  XXXX, XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX * According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information that is inaccurate, incomplete and indicates not my account. 

I have received a 1099-C form from the creditor, indicating that the debt related to this account has been canceled and reported as income to the IRS. As such, the debt is no longer valid, and the continued reporting of this charge-off is misleading and inaccurate. Resulting in my rights to be violated that are protected by the FCRA laws. I request that the charge-off entries be removed from my credit report to reflect the cancellation of the debt immediately. 

I appreciate your prompt attention to this issue Thank you for your assistance. 

Sincerely,
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. (NY)

Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligir or a credit issued to the obligor.
Consumer complaint received 2024-07-23
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. (NY)

INQUIRES Creditor Name Date of XXXX Credit Bureau XXXX XXXX XXXX XX/XX/XXXX Experian XXXX OF XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX BANK XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian