davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-03
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)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-07-03
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)

There are several charge-off accounts listed on my credit reports that do not belong to me. I have been trying to get the credit bureaus to properly investigate these accounts and remove them from my reports but I have gotten no response. The accounts in question are listed on my FTC report. There is also an account XXXX Account Number : XXXX That is also reporting on my report that is not mine.
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: EQUIFAX, INC. (NC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : DEPTEDXXXX XXXX XXXX DEPTEDNELNET XXXX XXXX XXXX XXXX XXXX DEPTEDNELNET 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 2024-07-03
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)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-07-03
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)

I am writing to file a formal complaint and demand immediate action regarding the inaccurate reporting of a bankruptcy on my credit report by credit bureaus. Despite repeated attempts to rectify this issue, the credit bureaus have failed to provide verifiable proof of the accuracy of this entry. According to information obtained from the court, they do not report bankruptcy information to any credit agencies. Therefore, the credit bureaus ' assertion of accuracy lacks credibility and violates my consumer rights.
Consumer complaint received 2024-07-03
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)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( XXXX ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. Please see attached file for these items I am complaining. 
"
Consumer complaint received 2024-07-03
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. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-07-03
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)

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

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

I demand the late payment reported in 60 days to be removed.

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

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


XXXX & XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


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

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

Delete the late payments from my consumer reports 8
Consumer complaint received 2024-07-03
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)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
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: EQUIFAX, INC. (FL)

I found several suspicious accounts on my credit report during my latest review. Please remove these fraudulent accounts, as they are affecting my ability to acquire credit. I do not know these accounts. 

XXXX XXXX XXXX XXXX XX/XX/year> {$2500.00} XXXX XXXX XXXX XXXX XX/XX/year> {$1400.00} XXXX XXXX XXXX XXXX XX/XX/year> {$2000.00}
Consumer complaint received 2024-07-03
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. (CO)

XXXX XXXX XXXX Has a false collection account on all 3 of my credit reports I have disputed this collection agency multiple times. Ive asked for a contract for service of goods or merchandise or any contract that I committed to. The company has not sent me a contract where I signed to pay them for service of good or merchandise. The company has defamed me by saying I owe money to XXXX XXXX for years. I do not have a debt with XXXX. I have not previously had a debt with XXXX. I have attached my XXXX  billing with the XXXX letter head and the website listed below. I have no bill with XXXX I have a XXXX balance with XXXX. I do not owe this company money Ive never entered into an agreement with this company. But XXXX, Experian, and XXXX refuse to delete this degradable information from my credit report which has caused great hardship. The screenshots also have date details in the screenshot
Consumer complaint received 2024-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

In my Bank of America account, I have observed unauthorized transactions totaling approximately {$11000.00} occurring between XX/XX/2024, and XX/XX/2024. Below are the transaction details that require action from the bank, including the reversal of these amounts in my account : 1. XXXX  ... XXXX XXXX. CA -- - {$2400.00} XXXX. XXXX XXXX sent XXXX XXXX  ... ... {$150.00} 3. XXXX * XXXX XXXX XXXX XXXX XXXX CA .... {$3700.00} XXXX. XXXX XXXX sent ... .. {$2300.00} XXXX. XXXX XXXX XXXX  purchase ... ... {$2000.00} My Concerns : 1. The absence of timely alerts or notifications regarding this suspicious activity.

2. The significant financial impact this has had on me, particularly as a student who recently arrived in this country. 
3. Delay in raising the dispute despite contacting them initially in XX/XX/2024. 

Steps Taken So Far : 1. I immediately contacted Bank customer service on the same day ( Date ). 
2. I have contacted the fraud detection team since XX/XX/2024. 
3. Despite my repeated attempts, there has been no progress in recovering my funds. 
4. After multiple contacts, a dispute was finally raised on XX/XX/2024.
Consumer complaint received 2024-07-03
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. (NC)

Around XX/XX/2024, I filed a dispute with XXXX and Experian stating that XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX are attempting to collect a debt in the state of North Carolina without a N.C. DEBT COLLECTORS LICENSE and therefore these items should be removed from my consumer credit reports. NC law requires that a debt collector must be licensed in the state in order to collect on any consumer debt.I did my research and checked XXXX website. Though the companies are valid debt collecting companies, they do not have a license in the state of North Carolina to collect debt. An alleged investigation into the matter was done by the Credit Reporting Agencies and the response was that the debt was verified as belonging to me and it would stay on my reports. I called the credit reporting agencies back explaining to them that that have violated my right under the FCRA by not accurately reporting and investigating and they did not investigate the matter that I initially submitted. They in turn placed remarks on my credit report like : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) Experian for XXXX XXXX XXXX ; Account information disputed by consumer ( FCRA ) ; >PLACED FOR COLLECTION - XXXX. Completed investigation of FCRA dispute.I also have contacted the debt collectors listed but no recourse. I am requesting that these companies be fined, that these items be removed from my credit report, and that I be compensated for these violations to the maximum rate of the law.
Consumer complaint received 2019-08-07
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (MI)

I spoke to a rep by the name of XXXX two weeks ago to get my account situated as far as not receiving statements at my house the representative informed me that they weighed my late fees brought my account to a current status with a payment not due until XX/XX/XXXX at this time the rep XXXX inform me that my account was current no payments were due and my next payment was due for {$40.00} in XX/XX/XXXX I just received alert on my credit report showing me 30 days late and saying I have a balance due of {$260.00} the information is incorrect
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1681 section 604 A. Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions. I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the 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. and according to 15 USC 1681s-2 they are supposed to 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 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Ive been trying to reach out to the proper channels regarding the inaccuracies off my credit report, but to no avail and Ive had enough. It brought tremendous frustration and sleepless nights, worrying if XXXX survive tomorrow just because of my credit score being unfairly affected due to these errors on my credit report hindering me from getting my credit applications approved.
Consumer complaint received 2024-07-03
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. (CA)

I AM A VICTIM OF IDENTITY THEFT AND ALL XXXX CREDIT REPORTING AGENCIES ARE REPORTING FRAUD IDENTITY THEFT INFORMATION ON MY REPORTS. EXPERIAN, XXXX AND XXXX ARE ALL REPORTING FRAUD INFORMATION. I HAVE SENT SEVERAL LETTERS LISTING ALL FRAUD ACCOUNTS, PERSONAL INFORMATION AND INQUIRIES ATTACHED WITH A COPY OF MY DRIVERS LICENSE, SOCIAL SECURITY CARD, POLICE REPORT AND FTC REPORT FOR IDENTITY THEFT. THE XXXX ABOVE AGENCIES ARE NOT REMOVING THESE FRAUD IDENTITY THEFT INFORMATION FROM MY REPORT. THEY DO NOT SHOW PROOF OF THESE FRAUD ACCOUNTS BEING MINE AND DO NOT REMOVE THEM BY FEDERAL LAW AND CODES THEY ARE TO REMOVE ALL IDENTITY THEFT INFORMATION FROM THE CONSUMERS REPORT, THEY HAVE FAILED TO DO SO AND ARE NOT COMPLYING BY FEDERAL LAW. MY LETTERS HAVE THAT LISTED AS WELL BY LAW AND A COPY OF THE FAIR CREDIT REPORTING ACT HAS BEEN ATTACHED TO ALL MY LETTERS AS WELL.
Consumer complaint received 2024-07-03
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)

Chargeoff Balance Error : This account is incorrectly being reported as a charge of account with a balanced due. Please provide proof of the charge of and update the balance to {$0.00} or delete the negative payment status on said accountaccounts. fcra 605b said consumer alleges identity theft, The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The law requires companies to delete disputed unverified information from consumer reports as the consumer acknowledges here and today that XXXX XXXX XXXX organization is a UNVERIFIED ENTITY in which the debt of {$920.00} is XXXX XXXX XXXX OBLIGATION to Settle not the consumer. For the harm caused by XXXX XXXX XXXX and XXXX for false representation with the intent to Defraud and Deceive the consumer, compensation is demanded by said consumer in which XXXX XXXX XXXX and or XXXX shall Pay to the order of the said consumer, {$5000.00} contact consumer for further instruction on where to send payment. 

Also Consumer tried calling XXXX XXXX XXXX at there contact number XXXX ( XXXX ) XXXX given from CFPB complaint, but it's no way of speaking with a Live Agent as the contact number given by XXXX XXXX XXXX is an AUTOMATION SYSTEM which can't nor provide help in speaking with a Live Representative to settle the issue at hand, which is another violation to Defraud and Deceive the consumer. 

ALSO REMOVE ALL INQUIRIES XXXX INQUIRIES TO BE EXACT WHICH HAS BEEN DELETED ALREADY BUT NOT REMOVED FROM THE CONSUMER 'S CREDIT ACCOUNT IMMEDIATELY.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CT)

I have received your computer-generated notice informing me that you did not do any action or investigation for the disputes I sent out last time because you think I may have used a third-party credit repair company. Not only do I think this is just your delaying tactics to get an extra 30 days to fulfill my first request, but I also think it's a clear violation of the Fair Credit Reporting Act. Again, please be informed that you are reporting inaccurate and incomplete information on my credit report.
Consumer complaint received 2024-07-02
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-03
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. (FL)

Under FCRA Section 606 ( b ), it is illegal to include information on my credit report without my explicit permission. Additionally, according to 15 U.S. Code 1681b ( a ) ( 2 ), a consumer reporting agency can not furnish an account without my written consent. These provisions are in place to protect consumers from unauthorized and fraudulent activity, ensuring our right to privacy as stated in 15 U.S. Code 1681 ( a ).

The following entries on my credit report were made without my authorization and appear to be fraudulent : Date Company Category XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  I did not authorize any of these accounts or transactions. As such, these entries constitute a violation of my rights under the FCRA. I request that you immediately investigate these fraudulent activities and remove the unauthorized entries from my credit report. 

Please provide me with written confirmation of the removal of these items as soon as possible. If you require any additional information to investigate my claim, please contact me at the address or phone number listed above. 


Note i do not want to activate any theft protection at the moment with any of this companies XXXX, XXXX or experian DO NOT, I dont see transactions or any accounts actually open except for unauthorized unknown inquiries.
Consumer complaint received 2024-07-02
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. (IL)

I am writing to formally dispute unauthorized inquiries that have appeared on my credit report. Please investigate and remove the following inquiries promptly : Despite my previous requests to remove these inquiries, they remain on my report and continue to affect my credit score negatively.