davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have submitted several disputes to all 3 major credit reporting bureaus ( Experian/XXXX/XXXX ) in regards to this XXXX XXXX XXXX account and the numerous discrepancies and inconsistencies reported on this account by all 3 bureaus. I have requested verification and validity of this alleged debt from the 3 bureaus and the collection agency directly. I keep getting notifications from all three bureaus stating that the information on this collection has been " verified '' and is " accurate '' when you blatantly see the inconsistent and inaccurate items being reported on this account that I will detail. First and foremost, XXXX is currently reporting this account as OPEN! and 120 days PAST DUE, on a collection account! XXXX is also reporting a date of last payment! I have NEVER made any payment on this account as I deny it is mine. a collection is by DEFAULT late and past due. The sole fact that this collection is reporting 120 days late and open is a complete error and FCRA violation. Furthermore, XXXX is also reporting this collection as an OPEN account. Lastly, Experian is reporting date of last activity as XX/XX/XXXX. XXXX is reporting date of last activity as XX/XX/XXXX. XXXX is reporting date of last activity as XX/XX/XXXX. Pursuant to the FCRA I am entitled to fair and 100 % accurate reporting. These egregious errors are ruining my life and the fact that the bureaus failed to acknowledge or rectify these reporting errors and verified them as accurate is astonishing to me and I demand relief.
Consumer complaint received 2023-11-06
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-06
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. (MO)

I am writing to you with great frustration and concern about the continued presence of fraudulent items on my credit report. Despite my numerous attempts to dispute these items, they persist, causing significant harm to my financial well-being. I demand immediate action to rectify this situation. 

I have initiated disputes for these fraudulent items on multiple occasions, and yet they remain on my credit report, causing distress and limiting my access to financial services. Despite providing comprehensive evidence to support my claims, there has been little to no progress in resolving this issue. 

The presence of these fraudulent items has had a severe impact on my financial life. They have significantly lowered my credit score, making it difficult for me to access loans, mortgages, and other financial opportunities. As a consumer, I have the right to an accurate and fair representation of my credit history. 

I urge you to treat this matter with the utmost seriousness and urgency. I am enduring ongoing financial difficulties due to these inaccuracies, and it is crucial that you take prompt action to correct the situation. I request the following : An immediate, comprehensive, and impartial investigation of the fraudulent items in question. 
Regular updates on the progress of the investigation. 
Immediate removal of any inaccurate or unverifiable information from my credit report. 
A formal, written explanation of the results of the investigation. 
I trust that you will address this issue promptly and effectively. Failure to do so may compel me to take legal action to protect my rights as a consumer. 

Enclosed with this letter, you will find copies of the evidence I submitted during my previous dispute attempts for your reference. Please acknowledge the receipt of this complaint within 15 days and inform me of the steps being taken to resolve this matter. Please assist me to remove these following fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I have contacted EXPERIAN several times trying to get information removed from my credit report, but I always get a turnaround from then, i need to remove wrong information from XXXX XXXX XXXX  and XXXX for closed/charge-off/paid accounts. 

Experian has also rejected my request on the letter that I have sent previously stating that it`s not me sending this letter, even after sending proof of address, driver 's license, etc...
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AE)

My accounts 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 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 2023-11-06
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$1600.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$23000.00} XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX XXXX
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

On XX/XX/XXXX, and XX/XX/XXXX, I reached out to every creditor and inquired on my credit report, I hope this letter finds you in good health. I am writing to address a matter of significant concern regarding the information on my credit report. I have contacted every company listed on my credit report and patiently waited, but unfortunately, no action has been taken to rectify the discrepancies. 

I have received correspondence from both XXXX and XXXX, confirming that adjustments were made, but the unauthorized inquiries were not removed. Specifically, I have identified a total of 66 unauthorized inquiries that were conducted without my consent, resulting in an inaccurate representation of my creditworthiness. 

To assist you in investigating this matter further, I have provided a detailed list of the inquiries in question, including the dates, company names, and the respective credit bureaus : In addition to the unauthorized inquiries, I have identified outdated accounts on my credit report, which further distorts the accuracy of my financial profile. It is imperative that these accounts be rectified promptly to ensure the integrity of my credit report. Here is a list of the outdated accounts, along with the relevant details : [ Include the list of outdated accounts with dates, amounts, and actions taken ] I kindly request that a thorough investigation be conducted to rectify the aforementioned discrepancies. I expect the unauthorized inquiries to be promptly removed, and the outdated accounts to be updated or removed from my credit report. 

Please provide me with written confirmation once these matters have been addressed and the necessary corrections have been made to my credit report. Additionally, I would appreciate any documentation or information regarding the actions taken by the credit bureau or the respective companies in response to this dispute. 

I appreciate your prompt attention to this matter and look forward to a timely resolution. If you require any further information or documentation from my end, please do not hesitate to contact me at the provided email address or phone number.
Consumer complaint received 2023-11-06
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. (LA)

On XX/XX/XXXX, and XX/XX/XXXX, I reached out to every creditor and inquired on my credit report, I hope this letter finds you in good health. I am writing to address a matter of significant concern regarding the information on my credit report. I have contacted every company listed on my credit report and patiently waited, but unfortunately, no action has been taken to rectify the discrepancies. 

I have received correspondence from both XXXX and Experian, confirming that adjustments were made, but the unauthorized inquiries were not removed. Specifically, I have identified a total of XXXX unauthorized inquiries that were conducted without my consent, resulting in an inaccurate representation of my creditworthiness. 

To assist you in investigating this matter further, I have provided a detailed list of the inquiries in question, including the dates, company names, and the respective credit bureaus : In addition to the unauthorized inquiries, I have identified outdated accounts on my credit report, which further distorts the accuracy of my financial profile. It is imperative that these accounts be rectified promptly to ensure the integrity of my credit report. Here is a list of the outdated accounts, along with the relevant details : [ Include the list of outdated accounts with dates, amounts, and actions taken ] I kindly request that a thorough investigation be conducted to rectify the aforementioned discrepancies. I expect the unauthorized inquiries to be promptly removed, and the outdated accounts to be updated or removed from my credit report. 

Please provide me with written confirmation once these matters have been addressed and the necessary corrections have been made to my credit report. Additionally, I would appreciate any documentation or information regarding the actions taken by the credit bureau or the respective companies in response to this dispute. 

I appreciate your prompt attention to this matter and look forward to a timely resolution. If you require any further information or documentation from my end, please do not hesitate to contact me at the provided email address or phone number.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

I hope this letter finds you well. I am writing to request your assistance in updating several accounts on my credit report. I have identified outdated or incorrect information related to these accounts, and I am eager to ensure that my report accurately reflects my current financial situation.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX total {$480.00} action taken - disputed 3 times, stating this is not mine and requested them to send me statement showing if such they refuse. 

XXXX XX/XX/XXXX {$820.00} Disputed to all bureaus, I never lived at the address they stated. 


XXXX XX/XX/XXXX {$250.00} stated balance updated in XXXX I have already left this company and they will not remove it XXXX XXXX XXXX XXXX {$1100.00} I don't have any recollection of this account and the dates do not match XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX reported to all bureaus this is not my account I have never lived in XXXX Minnesota I have been requesting to have these deleted off my report because these are hindering me from retaining my credit cards.
Consumer complaint received 2023-06-30
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Heavner, Beyers & Mihlar LLC (IL)

HEAVNER, BEYERS, & MIHLAR LLC have attempted to unlawfully seize my property. The law firm served a summons for foreclosure on my property. I responded via affidavits to the claim ( see attached exhibits ) with no sufficient response. I have provided signed return receipts to confirm delivery. On XX/XX/2023, I was in appearance for the claim via zoom, and the honorable judge XXXX XXXX XXXX ordered that nothing is required for the case unless either party files future motion. This process has caused my family and I mental anguish and unwanted and necessary time from work and my normal life.
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (ID)

Equifax ; XXXX  and XXXX should not be reporting a chargeoff in the amount of {$970.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was XXXX and on XXXX XXXX. My wife had power of attorney and she called XXXX to make payment arrangements on this account however, the representative she spoke with told her that she did not have any authority to discuss any matters regarding this account on my behalf because she was not listed on the account. This is completely false. Power of Attorney gives her the legal right to negotiate on my behalf regarding financial matters while I was XXXX. We used the entitlements listed in The Servicemembers Civil Relief Act ( SCRA ). The SCRA clearly states if any of the benefits under the SCRA are used : The delay of payments wont reflect on a credit report. This false reporting of a chargeoff is seriously harming my credit score. Consequently, this account needs to report a {$0.00} balance and/or be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2023-11-06
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)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-06
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 declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or a company without my authorization used my personal identifying information to apply for goods, services, money, and was successful in creating this account. This debt collector is in violation for furnishing this unknown account on my credit report. This has caused me much suffrage and is a defamation of my character.
Consumer complaint received 2023-11-06
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. (OH)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX Balance Owed : {$12.00} ; XXXX XXXX  XXXX Balance Owed : {$11000.00} ; XXXX XXXX Balance Owed : {$0.00}.
Consumer complaint received 2024-08-12
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 Am a Victim of Human Trafficking Of Debt Bondage and would like for all listed accounts To Be BLOCKED & DELETED Company Information XXXX XXXX Experian LLC XXXX XXXX customer last four of social XXXX customer name XXXX XXXX XXXX XX/XX/1994 As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking debt bondage , 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 this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts XXXX XXXX XXXX bal. {$13000.00} XXXX XXXX XXXX. {$220.00} XXXX XXXX XXXX XXXX {$26000.00}
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.
Consumer complaint received 2023-11-06
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. (DC)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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