davidheineman/consumer-finance-complaints-large huggingface dataset:
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 XXXX Account XXXX XXXX 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 a account without my written instructions.
Consumer complaint received 2024-09-22
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)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-09-22
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act this creditor has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 it reasonable procedures designed to ensure that each periodic statement including information required by ( Section 1637 ( b ) ) Is mail or delivered to the consumer not later than 21 days before payment due date. There are certain clear and conspicuous disclosures that this creditor was supposed to provide me with 21 days prior to my statement due date that I didn't receive which is a violation of 15 US code 1666b.

Also 18 US code 8 states that the obligation of this day is already paid for by the United States. 12 CFR PART 1026.11 ( a ) CREDIT BALANCES. when a credit balance in excess of XXXX dollar is created on a credit account ( through transmittal of funds to a creditor and access of the total balance due on an account, the rebates of unearned finances charges, or insurance premiums, or through amounts, otherwise two or held for the benefits of the consumer ), the creditor shall : 1. Credit the amount of the credit balance to the consumers account. 2. Refund any part of the remaining credit balance within seven business days from receipt of a return request from the consumer. 3. make a good faith effort to refund to the consumer by cash, check or money order or credit to a deposit account of the consumer. Any part of the credit balance remaining in the account for more than six months no further action is required if the consumer current location is not known to the creditor and can not be trace through the consumers last known address or telephone number.

This creditor is in violation of 15 US code 1692 J for furnishing certain deceptive forms creating a false belief into consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to allegedly owes such creditor, when in fact such person is not so participating. Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under ( Section 1692 K ) For failure to comply with a provision of this subchapter.
Consumer complaint received 2024-09-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (SC)

I canceled a booking for a cruise on XX/XX/year> and requested a refund of XXXX pre-paid. I was told refund would be processed in 5 to 10 working days. It was not. I elevated a dispute which has not been resolved nor status if the investigation. Credit Card company has still not responded to multiple faxes of documentation confirming my canceled booking.
Consumer complaint received 2024-09-22
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 having trouble with the credit bureaus lack of investigation into very important errors that are showing up on my reports. I sent the letters along with verifying documents and they have not investigated and removed or corrected the listings. They are falsely verifying things that show up differently on other reports. They are in violation of the law and I need help because they are not doing what they are supposed to do and it is causing me a great deal of stress.
Consumer complaint received 2024-09-22
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. (MI)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-09-22
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)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.
Consumer complaint received 2024-07-27
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. (VA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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)

This account is improperly coded. It is currently coded as XXXX, but it is a BUY NOW, PAY LATER ( BNPL ) account and is not meant to be factored in current scoring models, according to Experian.
Consumer complaint received 2024-09-22
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 am here to make another complaint about the same information remaining on my report that I requested to have removed. This is hurting my chances of lawfully obtaining credit on my own merits. My name is being tarnished and I claim this to be defamation of character! The following information is on my reports and I would like ALL of it to be removed. 

Personal Information ( incorrect ) Names : ( outdated ) 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 XXXX XXXXXXXX, XXXX, Amount {$1400.00}, Acct # XXXX ( XXXX ) Account : XXXX XXXX, Amount {$94.00} XXXX Acct # XXXX ( XXXX ) Experian Inquiries : XXXX XXXX  ( XX/XX/XXXX ) XXXX Inquiries 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  ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ) Public Record : US DIST CT, Bankruptcy : Discharged XXXX, ( XX/XX/XXXX ) Reference # XXXX, Original Filing Date : XX/XX/XXXX, There's no last Status Date showing. This is in and of itself a privacy violation, defamation of character, and I NEVER gave consent to anyone, any company, or reporting agency/bureau to report ANY negative item on my reports as a living breathing woman. 

Experian XXXX XXXX : XXXX XXXXXXXX XXXX IL XXXX, Bankruptcy XXXX XXXX-discharged, Filing Date : XX/XX/XXXX, Last Status Date : XX/XX/XXXX, Reference # XXXX - This is in and of itself a privacy violation, defamation of character, and I NEVER gave consent to anyone, any company, or reporting agency/bureau to report ANY negative item on my reports as a living breathing woman. 

XXXX XXXX XXXX : XXXX Bankruptcy XXXXXXXX XXXX XXXX bankruptcy discharged, Filing Date : XX/XX/XXXX, Last Status Date : XX/XX/XXXX, Reference # XXXX. This is in and of itself a privacy violation, defamation of character, and I NEVER gave consent to anyone, any company, or reporting agency/bureau to report ANY negative item on my reports as a living breathing woman. 

All of these items are either negatively reporting on my reports without my consent, outdated or incorrect information.
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

Upon checking my Experian credit report I noticed Experian credit reporting agency felled to remove inaccurate personal information during a previous dispute of the inaccurate information such as follows : 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 CA, XXXX XXXX XXXX XXXX XXXX This information is in violation of the CFPB section 15USC 611 the credit bureaus have a responsibility to report complete information please remove this information immediately as is is hurting my ability to obtain credit to get a new/car/house/etc the names above are not the correct spelling or my legal name please remove Remove all Alias variations or name from my credit report along with old the old address thank you if you dont remove it this time there will be an escalation!
Consumer complaint received 2024-07-27
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)

The 3 major CRAs are violating CONSUMER CREDIT LAWS by reporting inaccurate information amongst them : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The attached reports reveal the inaccuracy and deprivation of my right to accurate reporting. These inaccuracies have been circled in RED. Take Notice.

This is Defamation in the Libel. Section 623 ( e ). The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. 

The FCRA provides people multiple ways to dispute inaccurate information on their credit reports. Commonly, people dispute the accuracy of information on their credit reports with a credit reporting company, such as Experian, XXXX, or XXXX. In response, the credit reporting company often refers the dispute to the company that provided the disputed information. When a person submits a dispute to a credit reporting company, and it is passed along to the company that originally provided the disputed information, the company is then required to conduct its own investigation into the disputed information.
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

on XX/XX/XXXX i disputed this account with Experian stating that the date of last payment was inaccurate. XXXX last payment date is reporting XX/XX/XXXX, XXXX last payment date is reporting XX/XX/XXXX and Experian last payment is reporting XX/XX/XXXX. I also stated that the last payment dates has to be the same throughout the credit bureau or it's inaccurate and must be corrected or deleted.
Consumer complaint received 2024-09-22
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. (IL)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, Illinois XXXX XX/XX/year> Experian XXXX XXXX XXXX, XXXX, TX XXXX Dear Credit Bureau After carefully reviewing my credit report, I notice that the following accounts listed below are inaccurate. The open date, the date last active, the date of last payment are showing inconsistently between all three credit bureaus. I was reading over the Fair Credit Reporting Act Section 1681e ( b ). You are supposed to assure maximum possible accuracy. Can you investigate the accounts listed below? 


XXXX  XXXX After reviewing my credit report this account is reporting the incorrect open date, date of last payment, and date last active, can you reinvestigate this account according to section1681i of the fair credit reporting act. After your reinvestigation if you found this account tone inaccurate or incomplete or can not be verified can you delete this account according to section 1681i ( 5 ) of the fair credit reporting act.
Consumer complaint received 2024-09-22
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)

This account was charged off on the following date : XX/XX/year> Since them the account has repeatedly been updated as charged off every month, this is an update in the payment history. A charged off account shouldnt include an active payment history. This inaccurate information falsely manipulates the statute of limitation. Please investigate this account properly after I asked you to di it Twice and your neglect has violated my rights. Im demanding a deletion of the following account : Account name : XXXX XXXX XXXX account number.XXXX
Consumer complaint received 2024-09-21
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)

I just recently looked at my Experian credit report XX/XX/year>. I saw some hard inquiries that did not have permissible purpose. 

XXXX. [ XXXX XXXX XXXX XXXX ] This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 2. [ XXXX XXXX XXXX XXXX ] This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 3. [ XXXX XXXX XXXX XXXX ] This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 4. [ XXXX XXXX XXXX ] This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 5. [ XXXX XXXX. XXXX ] This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 6. [ XXXX XXXX XXXX fin XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. [ XXXX XXXX XXXX ] This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 8. [ XXXX XXXX XXXX ] This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 9. [ XXXX XXXX XXXX fin. XXXX ] This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Consumer complaint received 2024-07-27
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. (IL)

This morning, I discovered some incorrect accounts appearing on my credit report, and I'm unsure of the reason. I reviewed my credit report as usual, but this time, unexpected discrepancies were present. I attempted to refresh my browser, thinking it might be a glitch, but the inaccuracies remained. Therefore, I request a thorough review of the documents I've submitted to resolve this issue and prevent future concerns.
Consumer complaint received 2024-09-22
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. (PA)

I have submitted a dispute four times for an account to be removed from my credit report due to inaccuracy. Each time Experian said they verified the account and the account is correct. Per my credit report it is showing the account for XXXX XXXX was open on XX/XX/XXXX however the payment history based on my credit report didnt start until XX/XX/XXXX ( a 30 month reporting difference ). The payment history is incomplete and inaccurate.
Consumer complaint received 2024-07-27
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. (IN)

My account with 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 XXXX  days before the payment due date. 


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 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 2024-07-27
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)

This morning, I discovered erroneous accounts on my credit report and I'm clueless about their origin. I routinely check my credit report, but this time I found unexpected discrepancies. I even refreshed my browser to rule out a glitch, but the errors remained. Due to this issue, I'm requesting a thorough review of the documents I've submitted to ensure this problem is permanently resolved.