davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to bring to your attention the fraudulent personal information associated with my identity. Several accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress. I have reported this incident as a victim of identity theft, and it is crucial to address this matter promptly, as it negatively impacts my financial well-being and personal reputation. 

I kindly request your cooperation in swiftly removing all fraudulent information from my credit report and conducting a thorough investigation. I am prepared to provide any necessary evidence and, if needed, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is greatly appreciated.
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OH)

Someone used my Social Security Number and my name to open XXXX Credit Card on XX/XX/XXXX. I figured it out on XX/XX/XXXX and called them immediately to close the account and asked what I need to submit them for investigation. They said they can communicate thru physical mail only and asked me for police report and XXXX XXXX So I got both reports and sent them to the address XXXX asked me to ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ). I even sent them the tax fraud report as well since the fraud used my SSN to get his tax return. But then they never responded me and when I called them I had to use fraud 's phone number to speak to representatives. In a meantime, I disputed XXXX Credit card on XXXX credit bureaus. But then XXXX declined it later and put it back to my credit report after a while. I tried disputing it again but they kept declining it. I firmly believe that XXXX is deliberately exploiting and mocking the victim.
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. (NY)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

I submitted in XXXX request to block information on my credit file due to being a victim of XXXX XXXX They asked me to provide a document proving I was a victim which I provided on XX/XX/XXXX. They are now asking me to provide proof of my address, which I do not have Because I am currently living in a hotel for my safety. I dont have a utility bill with my current address I moved out of the state that I was in and I am using a temporary address for my safety. They worker who is handling my case to provide me an alternative, but she said there is none Removed from my credit file so I can get accepted into a program for victims of XXXX XXXX
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. (CA)

I have a XXXX balance with the hospitals yet I have XXXX collections from the same hospital on all XXXX  reports. I have sent a screenshot of the XXXX balance with the hospital. The one I don't even recognize as I had never been to that hospital out in XXXX XXXX. They total about 2000 dollars. I have medi-cal insurance which should cover all medical expenses but they refuse to ask the state for what is owed. Now I'm stuck not being able to get housing because of my poor credit score.
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. (CA)

Lenders changed and I was never notified of the new lender being XXXX  XXXX XXXX I sent my payment on time but they reported me late in XXXX, XXXX  I called them and told them this was their fault for not notifying me in time that there was a change in lenders and this dropped my scores by XXXX points. 
I want this fixed please because I don't believe this was my fault.
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. (VA)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
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. (CA)

I see items on my credit report that I dont recognize, which makes me suspect identity theft since I didnt authorize these accounts. Ive raised this issue before, and Im requesting that these accounts be removed promptly. Their presence is causing me significant stress and misrepresents my true credit history and financial behavior. If we cant resolve this, Im prepared to take legal action to protect my rights. These inaccuracies are a major barrier to achieving my financial goals, such as buying a home and supporting my family. I hope we can address this issue soon.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (NY)

To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : Listed below are the Accounts that are being challenged : XXXX XXXXXXXX - XXXX The reported delinquency and derogatory claims listed above appear to lack the necessary document proof required to substantiate their current, certifiably compliant, and physically verified accuracy, as mandated. Therefore, I respectfully request the immediate and complete removal of these negative entries to ensure compliance with ethical and lawful consumer credit reporting standards. 

XXXX - XXXX The reported delinquency and derogatory claims listed above appear to lack the necessary document proof required to substantiate their current, certifiably compliant, and physically verified accuracy, as mandated. Therefore, I respectfully request the immediate and complete removal of these negative entries to ensure compliance with ethical and lawful consumer credit reporting standards. 

Listed below are the Inquiries that are being challenged : XXXX XXXX  - XXXX I was quite surprised to discover an inquiry on my credit report, which I do not know of authorizing. As you may be aware, the Fair Credit Reporting Act mandates that no one may access an individual 's credit information without their explicit consent.
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. (VA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (LA)

My name is XXXX XXXX XXXX, a federal protected consumer, and I am making this complaint against Midland Credit Management INC for committing identity theft. I have never Midland Credit Management Inc any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 USC sub section 1692e ( 12 ). 

I have not validated any alleged debt with MIDLAND CREDIT MANAGEMENT INC Inc and my failure to dispute the validity of these alleged debts shall not be construed as a admission of liability. As of XX/XX/2024, I have not received documentary evidence, such as a trilateral contract, Midland Credit Management INC any right to colect on this alleged debt. 

I have never received any documentation requesting validation from Midland Credit Management INC, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 USC 1692d ( 4 ), which the FTC defines as debt parking. If Midland Credit Management INC can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, Prior to furnishing on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debt until the company can provide me with sufficient documentary evidenc that I have any legal obligation to pay them. If this documentary evidence can not be produced and Midland Credit Management INC continue its collection efforts, I will file for litigation for actual damages caused and Midland Credit Management INC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt documents herein and of this notice, you are hereby notified Pursuant UCC1-202f. Your prompt attention and response are both requested and required. ACCOUNT # XXXX
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. (NV)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
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. (GA)

My account with Experian was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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. 


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. 


Experian 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 2024-09-23
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. (FL)

I was completely taken aback when I saw incorrect accounts pop up on my credit report today, and I have no clue why this is happening. I check my credit often, and this time, I found unexpected discrepancies. I tried refreshing the page, thinking it might just be a browser issue, but unfortunately, the errors remained. I urgently need the documents Ive provided to be thoroughly checked, as this situation is really worrying me, and I dont want to deal with this ever again.
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. (LA)

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

Hi, my name is XXXX XXXX, I am writing to delete the following information in my file. The items to be deleted are listed on my uploaded dispute documentation. The information I have listed on my dispute letter does not belong to me and I would like this information investigated and the items removed as soon as possible.
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. (MO)

XXXX, XXXX and especially Experian I've been filing disputes via online, over the phone and sending dispute letters since XXXX of XXXXXXXX XXXX of XXXX, up to the present day of XX/XX/XXXX. Every time I filed disputes for inaccuracies like Charged off accounts which the company must file a 1099-C debt cancellation reporting it as income in the amounts of {$230.00} ( XXXX  XXXX  ) XXXX {$350.00} ( XXXX ) XXXX {$530.00} ( XXXX XXXX XXXX XXXX {$250.00} ( XXXX  ), {$280.00} ( XXXX XXXX ) which was a {$2000.00} secured card, {$450.00} XXXX XXXX XXXX XXXX XXXX {$26000.00} was a breach of contract coercing me to sign the contract they way they wanted me to or else they wasn't going to sell me the vehicle knowing I needed one for my personal, family and household needs. And since the companies in question are reporting these charged off accounts as income they no longer should be on my credit report. and so the credit bureaus refuse to correct these errors as if they are deliberately ignoring my request. They never in the history of me filing disputes sent me verifiable and validated proof of any debts and will not even remove them one time in good faith. I've experienced severe financial hardships I suffered constant denial of credit because of this unresolved matter over the years of communicating with these bureaus Especially Experian. I've also requested them to remove non-mailable addresses from my credit report and they said they would but when I went back to check my report the address were still there, so they lied to me. That's why a question their motives, authenticity and what they stand to gain or lose by making these simple corrections on my report. It even got to a point where I wasn't allowed to dispute some inaccurate any further. I think they are engaging in unfair and deceptive practices and have violated my consumer rights time and time and time again. I've pointed out to them that they have violate the FCRA, FDCPA, ECOA and the CCPA and they seem to be unfazed by these violations. A few of these third party debt collectors I have absolutely no business or contract with. And I don't have the time to go back and forth with these bureaus. That's why I'm filing this complaint because I NEVER got ANYWHERE corresponding with these credit bureaus. I feel targeted and discriminated against. I also put the parties involved on expressed notice that I had a priority lien and beneficial security interest in the Debtors property including my Trade Name. They ignored everything I conveyed to them verbally and in writing. see attached.
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. (NY)

l reviewed my consumer reports and noticed that l had two late payments on an account that l was never late for consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximun accuracy l have never been late on paymets for the account ( XXXX XXXX XXXX ) ( XXXX ) please investigate and provide proof with statement showing that these payments were be updated to on time as they should be as l was NEVER late Thanks.
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 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 3rd party. They in fact did not come from a 3rd 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.

Remove the disputed account from my credit report.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

Improper use of my credit report. In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late foranypurpose.
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)

I reviewed my Consumer Reports and noticed I have incorrect items on my Consumer report that I was not aware of. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 
I have never been late on payments and also I have no knowledge of these Fraudulent accounts and Fraudulent inquiries Please investigate and provide Proof with statements showing that these payments were late and that these Fraudulent accounts and Fraudulent inquiries are mine. 
If proof can't be provided I demand these payment accounts and inquiries be updated too on time as they should be as I was NEVER Late and the Fraudulent account and Fraudulent inquiries be removed. 
I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account is mines, if you can not provide me with this information in 15 days update the account to be removed Late send me a copy of my updated credit report. Thanks