davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-29
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)

Dear Experian, I am writing to formally dispute the reporting of the account XXXX. I recently obtained a copy of my credit report and found several inaccuracies and instances of non-compliance with the Metro2 report thats being reported. 
Account Number XXXX XXXXPlease verify for accuracy XXXX Please verify for accuracy XXXXPlease verify for accuracy XXXX 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 DelinquencyXXXXThis field is missing from the report, and this must be present, or you delete this account immediately ECOA XXXXThis field is missing from the report and this must be present or you must delete this report immediately. 
Also, I have other discrepancies concerning the payment history. 
This account went into collection in XX/XX/year> and since the account has repeatedly been updated as collection every month. This is an update on the payment history. A collection account should never include a past due balance. ITS A VIOLATION-PLEASE DELETE THIS ACCOUNT Im also attaching proof concerning the payment history as well as the missing fields.
Consumer complaint received 2024-07-29
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. (CA)

I did not authorize this hard inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-29
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. (GA)

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I reached out via mail to XXXX and Experian regarding these accounts DEPT OF ED / XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$6600.00}. 
This account is incorrectly reporting that I have 1 late payments. On my XXXX report there are 0 late payments being reported. 
DEPT OF ED / XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$1100.00}. 
This account is incorrectly reporting that I have 1 late payments. On my XXXX report there are 0 late payments being reported. 
DEPT OF ED / XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$3300.00}. 
This account is incorrectly reporting that I have 1 late payments. On my XXXX report there are 0 late payments being reported. 
DEPT OF ED / XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$2800.00}. 
This account is incorrectly reporting that I have 1 late payments. On my XXXX report there are 0 late payments being reported. 
DEPT OF ED / XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$3800.00}. 
This account is incorrectly reporting that I have 1 late payments. On my XXXX report there are 0 late payments being reported. 
DEPT OF ED / XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$2400.00}. 
This account is incorrectly reporting that I have 1 late payments. On my XXXX report there are 0 late payments being reported. 
DEPT OF ED / XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$3500.00}. 
This account is incorrectly reporting that I have 1 late payments. On my XXXX report there are 0 late payments being reported. 
DEPT OF ED / XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$4900.00}. 
This account is incorrectly reporting that I have 1 late payments. On my XXXX report there are 0 late payments being reported. 
DEPT OF ED / XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$2300.00}. 
This account is incorrectly reporting that I have 1 late payments. On my XXXX report there are 0 late payments being reported. 

DEPT OF ED / XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$7000.00}. 
This account is incorrectly reporting that I have 1 late payments. On my XXXX report there are 0 late payments being reported. 
DEPT OF ED / XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$4600.00}. 
This account is incorrectly reporting that I have 1 late payments. On my XXXX report there are 0 late payments being reporte is incorrectly reporting that I have 1 late payments. On my XXXX report there are 0 late payments being reported. 

XXXX and Experian did not send me the results of their investigation and why they are reporting incorrect information.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

I am writing to dispute the inclusion of this bankruptcy on my credit report.. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (SC)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your esteemed institution. While reviewing my credit report, I was appalled to discover discrepancies that have raised significant doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, all of which I have enclosed within this correspondence for your comprehensive examination. I respectfully urge you to thoroughly investigate this issue and promptly take the necessary steps to rectify any inaccuracies and update my personal information accurately and expeditiously. Your cooperation and assistance in this matter are crucial to maintaining my faith and trust in your institution. 

Your agency is in violation of the law! According to 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy. Additionally, 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written consent. Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) specifies that no consumer reporting agency may include any adverse information in a consumer report, other than records of convictions of crimes, that is older than seven years.

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), it is stated that a person shall not furnish any information related to a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Delete this information immediately!
Consumer complaint received 2024-07-29
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. (VA)

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you XXXX opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the XXXX XXXX  XXXX, emotional distress, and financial hardship that your actions have caused me. Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX  website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. Please send all correspondence related to this matter to the address listed above.
Consumer complaint received 2024-07-29
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. (MA)

Frauds, inaccurate reportings, double jeopardy : deleted priors reoccurring, discrepancies in data being furbished. 
XXXX has XXXX piece of information while XXXX and Experian report total different information. XXXX says XXXX open accounts XXXX closed ; XXXX says another amount listed as well as Experian for XXXX total accounts ; along with dates of origination and last reporting dates not matching : my Federally protected rights and XXXX XXXX has been defamed and in manners breeched. 
Also in existence are XXXX XXXX Credit compliance and Consumer Law Violation ( XXXX ) XXXX XXXX XXXX and XXXX Transactions and Experiences are ILLEGAL to Report between the CONSUMER AND CORPORATION OR PERSON.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (SC)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( 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. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Consumer complaint received 2024-07-29
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. (AZ)

I am writing to provide a formal statement regarding certain accounts listed on my credit report that I believe to be fraudulent. I wish to make it clear that I have no knowledge of, nor have I authorized, any of the accounts in question. 

The accounts in dispute are as follows : XXXX Account Number : XXXX I assert that these accounts were opened without my consent or knowledge. I have not received any correspondence or notifications related to these accounts, nor have I engaged in any transactions or agreements with the entities associated with them. 

I take my financial responsibilities very seriously and have always been diligent in managing my credit. The presence of these fraudulent accounts on my credit report is distressing, as they do not reflect my financial behavior or obligations. 

Responsibilities of Credit Bureaus When Identity Theft Is Reported Under the Fair Credit Reporting Act ( FCRA ), credit bureaus have specific responsibilities when identity theft is reported : Investigate Disputes Promptly : Upon receiving a dispute regarding fraudulent accounts, the credit bureau must conduct a prompt and thorough investigation into the accuracy of the disputed information ( 15 U.S.C. 1681i ).

Block Fraudulent Information : If the dispute is substantiated, the credit bureau is required to block the fraudulent information from the credit report within 4 business days of receiving notice of the fraud ( 15 U.S.C. 1681c-2 ).

Provide Written Confirmation : The credit bureau must provide written confirmation once the fraudulent information has been removed from the credit report and inform me of the outcome of their investigation.

I have already taken steps to address this issue by disputing these accounts with the credit reporting agencies and providing necessary documentation to substantiate my claim of fraud. I respectfully request that these accounts be investigated thoroughly and removed from my credit report as per the legal obligations of the credit bureaus. 

Thank you for your attention to this matter. If any further information or documentation is needed, please do not hesitate to contact me.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I checked my credit report months ago and noticed incorrect activity on my account. I am reevaluating my credit report again, and several inaccuracies are listed. It is my knowledge that you will investigate these accounts to guarantee accuracy. Listed below is the account that I am asking you to look into as accurate XXXX XXXX
Consumer complaint received 2024-07-29
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. (NJ)

This account was charged off on the following date XX/XX/year>. Since then, the account has repeatedly been updated as charged every month. this is an update in the payment history. A charged off account shouldn't include an active payment history. This inaccurate information falsely manipulates the statute of limitation. Please investigate this account properly after I asked you to do it and would be the third time, your neglect has violated my right, I am demanding a deletion of the following account : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-07-29
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. This account is completely false and unverifiable, and someone misused my personal information and social security number. 

OFFICE OF THE ATTY GEN : # XXXX 15 U.S.C 1681 SECTION 602 ( A ) : States I have the right to privacy.

15 U.S.C. 1681 SECTION 604 ( A ) ( 2 ) : States a consumer reporting agency can not furnish an account without my explicit written permission.

15 U.S.C. 1681C ( A ) ( 6 ) : Any other adverse item of information 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 any reasonable cause that the information is inaccurate.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

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

I have requested proof that this information was mailed or delivered 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 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (FL)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Late Payment : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX Collection : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Inquiries : XXXX Date of inquiry : XXXX