davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-18
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Fraudulent Accounts and Request for Removal Dear Experian, I am writing to formally dispute two additional collection accounts that were added to my credit report today, which are a part of the initial credit block I filed on XX/XX/2024. These accounts are as follows : XX/XX/XXXX for XXXX XXXX, Account # XXXX, Amount {$1200.00} XXXXXX/XX/XXXX for XX/XX/XXXX, Account # XXXX, Amount {$700.00} I want to emphasize that these accounts are not mine. They were fraudulently created by someone else without my knowledge or consent. 
In accordance with 15 U.S. Code 1681c2 ( a ), I request that these accounts be blocked and removed from my credit report immediately. 
Please find attached a copy of my initial Identity Theft Report filed on XX/XX/2024, as well as a copy of my identification, a copy of my recent Experian credit report, and any other required documentation to support my claim. 
I expect prompt action on this matter to rectify my credit report. Please send me a confirmation letter once these fraudulent accounts have been removed. Should you need any further information, feel free to contact me at [ Your Phone Number ] or [ Your Email Address ]. 
Thank you for your immediate attention to this urgent matter. 
Sincerely, XXXX XXXX ________________________________________ Attachments : Initial Identity Theft Report Filed on XX/XX/2024 Copy of Identification ( Driver 's License, Passport, etc. ) Any Other Supporting Documentation
Consumer complaint received 2024-07-18
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)

This is my FOLLOW UP complaint that im a victim of identitytheft. Please see attached letters, with the listed items, FTC REPORT and my proof of Identity. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$2100.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$540.00} XXXX XXXX  XXXX Balance Owed : {$1100.00} XXXX XXXX  XXXX Balance Owed : {$950.00} XXXX XXXX  XXXX Balance Owed : {$1800.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Reference # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$2100.00} XXXX  XXXX Balance Owed : {$16000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Reference # XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance XXXX XXXX {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX Balance Owed : {$16000.00} XXXX  XXXX Balance Owed {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX Balance XXXX : {$540.00} XXXX  XXXX Balance Owed : {$520.00} XXXX XXXX Balance Owed : {$950.00} XXXX XXXX Balance Owed : {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Reference XXXX XXXX
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I have one late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates XX/XX/year> now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action. 

Account XXXX : XXXX XXXX XXXX  Account XXXX : XXXX
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I previously disputed this account with XXXX regarding Account Name : XXXX XXXX Account Number. XXXX I let them know this account was not reporting accurately. According to the IRS when an account is charged off its considered income, and according to the FCRA income can not be reported on a credit report. I requested a XXXX ( Cancellation of Debt ) from XXXX XXXX in regards to the following charged off account listed below Account Name : XXXX XXXX Account Number XXXX XXXX XXXX  XXXX XXXX a corresponding tax deduction for the uncollected amount associated with this charge-off and I had to file the balance of {$980.00} as income on my taxes! This account can no longer be reported to my credit report. Not only does this violate my rights per the FCRA, this is also tax fraud on XXXX XXXX 's part. 

Delete this account from my credit report immediately for inaccuracy!
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2024-07-18
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 account with the XXXXXXXX XXXX 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 XX/XX/2023 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 2023-04-01
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: Experian Information Solutions Inc. (KY)

I made a payment on XX/XX/XXXX that would equal two months of payment. But on XX/XX/XXXX I decided to go ahead and simply pay the balance so I had no more additional monthly payments to make. That information was not updated on my credit report and so I filed a dispute to have it corrected. The information was corrected on my report and it remained corrected for only 3  days. It automatically, for some reason, reverted back to the balance owed before I made the two payments. I contacted both the company and XXXX about the dispute not correcting the error and follow that up with another dispute. XXXX close that dispute within a couple of days and said that it was investigated and the information was correct. I have XXXX XXXX  statement showing the payments I also have a statement from the company showing the balance of XXXX and XXXX refuses to fix it it is affecting my credit score to the point that I was denied a new card.
Consumer complaint received 2023-11-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Disputed Credit Accounts on my Credit Reports to the Credit Bureaus. Seemed funny that the Credit Bureaus completed the dispute process in less than 30 days.

I ask for these credit accounts to be deleted from my credit file.
Consumer complaint received 2021-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

15 U.S. Code 1692g - Validation of debts 15 U.S. Code 1692f.Unfair practices 15 U.S. Code 1692h - Multiple debts ( a ) Notice of debt ; contents ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) d ( 5 ) a ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30- day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. ( c ) Admission of liability ( d ) Legal pleadings ( e ) Notice provisions 15 U.S. Code 1692e.False or misleading representations the consumer never gave written consent to allow credit agency to report for her living natural person Consumer point where remove prior to reporting that she natural person the consumer was being violated en legis controller 15 U.S. Code 1692d - Harassment or abuse would like all omission = returned to the original creditor and commission charged to surety under trust indenture act 1939 1933 hrj 192 the trustee of the company shall release all encumbrances back to security holder 15 U.S. Code 1692c - Communication in connection with debt collection ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt. ( 4 ) The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. 16 CFR Part 433 1-3 PRESERVATION OF CONSUMERS ' CLAIMS AND DEFENSES
Consumer complaint received 2023-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I did not provide the credit reporting agencies with written permission to report any of the attached accounts I am requesting them to be removed. This is a violation of 15 U.S. Code 1681b ( a ) ( 2 ). My credit card information ( SSN, ID, etc ) was shared without my written or expressed consent. All of the companies and entites listed used and shared my credit card information to create unauthorized charges and to open fraudulent accounts.This is a violation of 15 U.S. Code 1681s-2.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I am writing to file a formal complaint against XXXX, XXXX and Experian for their failure to respond adequately to my previous dispute letters. I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking your assistance to address this matter. On XX/XX/year>, I initially submitted dispute letters to the respective credit bureaus, disputing the accuracy of certain information on my credit reports. My dispute letters included details of the inaccurate information and evidence supporting my claims. As required by law, I expected the credit bureaus to conduct a reasonable investigation into my disputes and respond within the stipulated time frame. Unfortunately, despite my efforts to engage with the credit bureaus and my commitment to resolving discrepancies on my credit reports, I have received little to no response from them. I have not received any meaningful communication acknowledging the disputes I raised, nor have I been provided with the results of their investigations.
Consumer complaint received 2024-07-18
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)

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. 
( EXPERIAN ) Never Sent '' periodic statement along with t disclosures from section 1637 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! 
XXXX Delete the late payments from my consumer reports
Consumer complaint received 2024-07-18
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 am writing to file a formal complaint against XXXX, XXXX and Experian for their failure to respond adequately to my previous dispute letters. I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking your assistance to address this matter. On XX/XX/2024, I initially submitted dispute letters to the respective credit bureaus, disputing the accuracy of certain information on my credit reports. My dispute letters included details of the inaccurate information and evidence supporting my claims. As required by law, I expected the credit bureaus to conduct a reasonable investigation into my disputes and respond within the stipulated time frame. Unfortunately, despite my efforts to engage with the credit bureaus and my commitment to resolving discrepancies on my credit reports, I have received little to no response from them. I have not received any meaningful communication acknowledging the disputes I raised, nor have I been provided with the results of their investigations.
Consumer complaint received 2024-07-18
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 am writing to file a formal complaint against XXXX, XXXX and Experian for their failure to respond adequately to my previous dispute letters. I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking your assistance to address this matter. On XX/XX/year>, I initially submitted dispute letters to the respective credit bureaus, disputing the accuracy of certain information on my credit reports. My dispute letters included details of the inaccurate information and evidence supporting my claims. As required by law, I expected the credit bureaus to conduct a reasonable investigation into my disputes and respond within the stipulated time frame. Unfortunately, despite my efforts to engage with the credit bureaus and my commitment to resolving discrepancies on my credit reports, I have received little to no response from them. I have not received any meaningful communication acknowledging the disputes I raised, nor have I been provided with the results of their investigations.
Consumer complaint received 2024-07-18
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)

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 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I previously disputed this account with Experian and XXXX for Account Name : XXXX XXXX XXXX Account Number : XXXX I let them know this account was not reporting accurately. According to the IRS when an account is charged off its considered income, and according to the FCRA income can not be reported on a credit report. I requested a 1099-C ( Cancellation of Debt ) from XXXX XXXX XXXX  in regards to the following charged off account listed below : Account Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  received a corresponding tax deduction for the uncollected amount associated with this charge-off and I had to file the balance of {$680.00} as income on my taxes! This account can no longer be reported to my credit report. Not only does this violate my rights per the FCRA, this is also tax fraud on XXXX XXXX XXXX XXXX part. Delete this account from my credit report immediately for inaccuracy!
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

This account was charged off on the following dateXXXX. Since then the date of last activity has been inconsistently updated. On Experian, the date last active is XX/XX/XXXX. On XXXX, the account is not reporting at all. On XXXX it's XX/XX/XXXX. 

If the information is coming from the original creditor the dates should be the same. We can not say these account are 100 % accurate so it is deemed INACCURATE. Please delete these accounts from my report : Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-07-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (TX)

I SENT A LETTER TO MIDLAND CREDIT MANAGEMENT REQUESTING FOR VALIDATION OF THE DEBT AND BALANCE ON XX/XX/year> BECAUSE I DO NOT THINK THE DEBT IS MINE. I RECEIVED NO RESPONSE.
Consumer complaint received 2024-07-18
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)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.