davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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 # : XXXX and Account # : XXXX, Account Name : XXXX XXXX XXXX Account # : XXXX and Account # : XXXX, Account Name : XXXX XXXX Account # : XXXX, Account Name : XXXX XXXX XXXX  Account # : XXXX and XXXX, Account Name : XXXX XXXXXXXX XXXX Account # : XXXX, Account Name XXXX XXXX XXXX XXXX  Account # : XXXX and 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.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

This morning, I saw unauthorized inquiries on my credit report and have no clue where they came from. I regularly check my report, but today I noticed some discrepancies that seem to have appeared out of the blue. Even after refreshing my browser, nothing changed. The inquiries stayed. Because of this, Im requesting a thorough review of the documents I've submitted, so I no longer have to worry about this happening.
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. (NJ)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy

. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permiss
ible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2024-09-23
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. (TN)

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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: 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. (NE)

Follow-Up on Complaint XXXX Violation of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) I previously submitted a formal complaint on XX/XX/year>, disputing a debt claim made by XXXX XXXX XXXX regarding an account with the original creditor XXXX in the amount of {$600.00}. Despite my requests, XXXX XXXX XXXX has failed to provide the necessary documentation to substantiate the alleged debt, violating my rights under both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

As outlined in 15 U.S. Code 1681c-2, consumer reporting agencies are required to block the reporting of disputed or fraudulent information within XXXX business days of receiving such a request. It has been well beyond the required timeframe, and the erroneous information remains on my credit report. This constitutes a willful violation of the FCRA. 

Outstanding Violations : XXXX. Failure to Provide the Original Contract : XXXX XXXX XXXX has not provided the original contract that I allegedly signed, which would demonstrate my legal obligation to repay the debt. 
XXXX. Insufficient Account History : The documentation provided does not include a detailed account history showing transactions, charges, fees, and payments applied to the alleged debt. Full itemization is necessary to verify the validity and amount. 
XXXX. Failure to Provide Proof of Assignment : If XXXX XXXX XXXX  is not the original creditor, they have not provided proof of a legitimate assignment or transfer of the debt, demonstrating their legal right to collect it. This includes a proper chain of title from XXXX to XXXX XXXX XXXX XXXX 

Impact of Your Noncompliance : Due to your failure to delete this information within the legally required XXXX business days, as per 15 U.S. Code 1681c-2, I am disputing this debt under the doctrine of XXXX XXXX XXXX, assuming that no proof of the alleged debt exists. 

My Demands : XXXX. XXXX cessation of all collection activities until the debt is properly validated. 
XXXX. XXXX removal of the inaccurate information from my credit report. 
XXXX. Compensation for damages : I reserve the right to pursue legal action under 15 U.S. Code 1681n and 15 U.S. Code 1692 to recover damages for the failure to comply with both the FCRA and FDCPA. 

Additionally, the continued attempts to collect this disputed debt without proper documentation may violate 15 U.S.C. 1691 and 12 CFR 1002, which prohibit adverse actions based on credit history without a legitimate, legally justified basis. 

I expect prompt attention and resolution to this matter.
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. ()

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and XXXX asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-09-23
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. (AL)

I am REWRITING to EXPERIAN to dispute inaccurate information on my credit report. 
My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX, AL XXXX. My date of birth is XX/XX/year>. The FTC report number related to this complaint is XXXX. I have identified entries on my credit report that appear to be either duplicated or incorrect, and for which I did not provide authorization. As a consumer, I am entitled to have inaccurate or unverifiable information removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). Please review my report and remove any entries that do not comply with the FCRA, specifically under FACTA Title 1, Section 151, which mandates accurate and verifiable reporting. I request that you address this matter promptly and provide confirmation of the resolution.
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. (IL)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 to be removed/updated.

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. 

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!
Consumer complaint received 2024-09-23
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)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-23
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. (PA)

This morning, I was shocked to see inaccurate accounts appear on my credit report with no explanation. I review my credit report consistently, but today I found discrepancies that werent there before. I tried refreshing the page, hoping it was a technical issue, but nothing changed. Im now asking that the documents I submitted be carefully reviewed so I dont have to face this stress again.
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. (PA)

My account with XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX AND 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 XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX 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, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-10-06
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. (SC)

I have reach out several times to XXXX XXXX reporting inaccurate information on my credit profile. The time frame has been between the date of XXXX until current. I have sent out a debt validation letter and no response. XXXX XXXX is reporting a balance of {$360.00}.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

Upon receiving my credit report. I noticed that I have accounts showing on my credit report that states their charge off. According to IRS, canceled debt ( charge off ) is gross or ordinary income. Therefore, income does not get reported on my consumer report. The charge off is inaccurate states law 15 USC 1681e ( b )
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. (VA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXX/XX/year>
Consumer complaint received 2024-09-23
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. (NJ)

IM A VICTIM OF IDENTITY THEFT PURSUANT TO FEDERAL LAW SECTION 605B YOU MUST REMOVE THE FRAUDULENT INFORMATION FROM MY NAME. I HAVE ATTACHED PAPERWORK SHOWING THE FRAUDULENT INFORMATION.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (SC)

Upon receiving my credit report. I noticed that I have accounts showing on my credit report that states their charge off. According to IRS, canceled debt ( charge off ) is gross or ordinary income. Therefore, income does not get reported on my consumer report. The charge off is inaccurate states law 15 USC 1681e ( b )
Consumer complaint received 2024-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Please remove this information from my credit report within four business days, in accordance with Section 605C of the Fair Credit Reporting Act. I would appreciate a notification once this has been done. Thank you for your prompt attention to this importantmatter.
Consumer complaint received 2024-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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.

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 2024-10-12
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. (IL)

PLEASE REMOVE ALL ACCOUNTS. I AM A VICTIM OF HUMAN TRAFFICKING WHICH FALLS UNDER TRAFFICKING ACCORDING TO TRAFFICKING-DEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PLEASE DELETE ALL THE FOLLOWING XXXX {$0.00}, XXXX XXXX {$120.00}, XXXX {$190.00}, XXXX XXXX {$320.00}, XXXX XXXX {$810.00}, XXXX XXXX XXXX  {$3700.00} MY FTC REPORT NUMBER IS XXXX
Consumer complaint received 2016-07-19
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (MD)

I applied online for a payday loan on XX/XX/2016 with Big Picture Loans : bigpictureloans.com ( aka Red Rock Lending, Castle Payday which I found out after the fact ). Their address is XXXX, XXXX, MI XXXX.The loan was for {$400.00} with a finance charge of {$200.00} which I agreed to, feeling it was a little high, but I needed the money and I thought it was a one-time fee. I had no idea that this loan was going to cost me over {$2000.00} to pay off until after I signed off on it, otherwise I would never have agreed to such a ripoff. Please tell me this ca n't be legal. I was told by one of Big Picture Loans employees that they were under tribal law and were not governed by regular laws of the States. I agreed and signed the loan, which was deposited into my account on XX/XX/2016. I found out later, when emailed the remaining paperwork showing apr, and scheduled payments, that the total finance charge is {$1900.00} and the total payments would be {$2300.00} ON A {$400.00} LOAN!!. is this not loan sharking? Usury? The APR is XXXX %. I called and questioned it and was told that I was exactly right in my understanding of the charges. Please, please can you help me with this scam? I did receive the {$400.00} loan which I should be responsible for, and the first payment of {$200.00} was made on XX/XX/2016, but the remaining amount is something I did not expect or would have agreed to pay for. I am a XXXX year old woman whose income is very low and I am very upset about this situation. Please let me here from you soon. Thank you very much.
Consumer complaint received 2024-07-23
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 have sent multiple requests to remove addresses : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX.Experian requested to have a copy of my drivers license and I sent the information, but Experian has not removed this information. 

I have sent 5 letter to have this information removed, but they have not complied. This has cause unspecified damages for my pain and suffering. 

They have continued to furnish this incorrect and invalid information.