davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (CA)

I have enrolled in Experian 's Credit Works credit monitoring service. I currently pay XXXX per month for unlimited daily access to my Experian credit report and score. 

However, I am unable to dispute anything online. I receive an error message that there are technical difficulties and they are working on resolving the issue. 

I recently had to send in my dispute via USPS and when they emailed me saying the results were ready, I was unable to view them online. I never received written correspondence of the results so I don't know what they are. 

I had a similar problem a couple years back and they discovered the file size was too large mainly due to the number of soft inquiries. Experian ended up purging the soft inquiries from my report in effort to reduce the size of the file. I'm not sure if this is the same problem I am experiencing or something else. 

I have contacted Experian Credit Works at the phone number listed on the attachment, but I keep getting transferred to different departments and no one has been able to help.
Consumer complaint received 2024-06-24
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: EQUIFAX, INC. (TX)

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT My account with XXXX  was never late! I have had exceptional payment history with 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 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 myaccount 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 Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Consumer complaint received 2024-06-24
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: EQUIFAX, INC. (ND)

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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 XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-06-06
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. (NY)

I am writing to formally contest and dispute the inaccurate reporting of the accounts on my credit report. Upon contacting the relevant companies, it was confirmed that an error had indeed occurred. Additionally, assurances were given over the phone that the accounts would be promptly updated. Your bureau is legally obliged to conduct a thorough and timely investigation of disputes, including a review of all pertinent information submitted by the consumer, in this case, myself. Both XXXX and XXXX have already rectified the inaccuracy of these accounts on my report. Therefore, I kindly request that you take immediate action to update these erroneous accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-06
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. (NY)

I am writing to express my strong dissatisfaction with the unauthorized account appearing on my credit report, which is the result of identity theft. This account is causing significant disruption to my financial standing, and I insist on its immediate removal. I have taken the necessary steps to address this issue promptly, including reporting the identity theft to relevant authorities and disputing this fraudulent account with the bank. However, the lack of cooperation and information from both the bank and your bureau is unacceptable. Given the seriousness of identity theft and my rights under the Fair Credit Reporting Act ( FCRA ), I insist that you take immediate action to remove this questionable account from my credit report. 

XXXX XXXX XXXXXXXX. XXXX
Consumer complaint received 2024-06-06
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. (CA)

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated.

The inaccuracies are highly injurious to my credit score XXXX XXXX Account Number : XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am submitting this complaint personally regarding late payments on my credit report. Upon examination of my records, I discovered these late payment entries. Despite sending correspondence about this issue more than 30 days ago, I have not received any response, nor has adequate validation been provided. I request your help in addressing this matter swiftly and efficiently.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Hello the credit bureau is a company that not government agency is just a regular business and our consumer live that get equal fair treatment like other who should or shouldnt pay extra depend on that company violate they allow other 3rd party to report consumer information that should be allow and privacy and the credit company only allow to report information that receive from consumer reporting agency but if they only report what information they receive from the consumer agency then they are many information that shouldnt be there so they violate my privacy because they are reporting information illegal against the law from other company that give them without any verification and damage the consumer because every violate report in the consumer they get paid by bank institutions to charge more interest and not approval many other equal opportunity than other the more they report inaccurate the worth consumer worthless become and sell ur information to bank because they knew they false report damage to be able to approval consumer credit so bank can then allow u to credit from them no choice and impose a ridiculous higher interest over the credit bureau dirty tactic they intentionally damage the consumer report to make money instead being fair n equal for everyone if they report what informion off from a consumer report agency why was many more information was reported that illegal and information that consumer agency doesnt allow to report but they have those information so they allow other company than consumer agency to add those info that damage the consumer creditworthiness they team up with big bank to intentionally report many information that consumer agency doesnt allow to charge more interest Wow that team work from company credit bureau and lender work today to fraud consumer who they can make money from innocent consumer if consumer report doesnt even have credit bureau exist why consumer financial live is control by just a random company over consumer life and they knew it and yet take advantage reporting info that damage the consumer credit score and not allow consumer to the equal benefits as many
Consumer complaint received 2022-12-04
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: Commonwealth Financial Systems, Inc. (FL)

In accordance with the fair credit Reporting act XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-06-06
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. (GA)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had a late payment on an account that 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 date : XX/XX/year>. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action
Consumer complaint received 2024-06-06
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. (PA)

I tried to fix my credit report since last month but still no recieving any response from you. please please delete all the negative items immediately Here 's the list Account Name : XXXX  Balance : {$960.00} Account Number : XXXX  Date Opened : XXXX XXXX, XXXX Account Name : XXXX  Balance {$900.00} Account Number XXXX Date Opened : XXXX XXXX, XXXX Account Name : XXXX XXXX Balance {$1100.00} Account Number XXXX Date Opened : XXXX XXXX, XXXX Account Name : XXXX XXXX Balance : {$620.00} Account Number XXXX Date Opened : XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX Balance : {$850.00} Account Number XXXX  Date Opened : XXXX XXXX, XXXX Account Name : XXXX Balance : {$640.00} Account Number XXXX  Date Opened : XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX Balance : {$680.00} Account Number XXXX Date Opened : XXXX XXXX, XXXX Account Name : XXXX XXXX  Balance : {$0.00} Account Number XXXX  Date Opened : XXXX XXXX, XXXX Account Name : XXXX Balance : {$0.00} Account Number XXXX  Date Opened : XXXX XXXX, XXXX Account Name : XXXX XXXX  Balance : {$490.00} Account Number XXXX  Date Opened : XXXX XXXX, XXXX Account Name : XXXX XXXX  Balance : {$720.00} Account Number XXXX Date Opened : XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX, XXXX XXXX : {$650.00} Account Number XXXX Date Opened : XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX Balance : {$600.00} Account Number XXXX Date Opened : XXXX XXXX, XXXX Inquiry name : XXXX  Inquiry : XXXX XXXX, XXXX Inquiry name : XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Inquiry name : XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry name : XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry name : XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry name : XXXX Inquiry : XXXX XXXX, XXXX Inquiry name : XXXX XXXX XXXX Inquiry : XX/XX/XXXX Inquiry name : XXXX  Inquiry : XXXX. XXXX, XXXX XXXX name : XXXX XXXX Inquiry : XXXX. XXXX, XXXX Inquiry name : XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry name : XXXX  Inquiry : XXXX XXXX, XXXX Inquiry name : XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Inquiry name : XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry name : XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry name : XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry name : XXXX Inquiry : XXXX XXXX, XXXX Inquiry name : XXXX XXXX XXXX Inquiry : XX/XX/XXXX Inquiry name : XXXX  Inquiry : XXXX. XXXX, XXXX XXXX name : XXXX XXXX Inquiry : XXXX. XXXX, XXXX Inquiry name : XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry name : XXXXXXXX  Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

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 XXXX, XXXX, XXXX and XXXX 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
Consumer complaint received 2023-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

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 need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$60.00} XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXXXXXX : {$29.00}
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

This is my numerous request 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, remove the noteworthy of any information in my credit record that came about due to an 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXXXXXX 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 XXXXXX/XX/year>
Consumer complaint received 2024-06-06
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)

Account Name : XXXX XXXX Account Number : XXXX you are reporting multiple errors on this account so please investigate and make sure its 100 % accurate per FCRA you are reporting different date opened XXXX XXXX and Experian don't match update or delete immediately you are also reporting different date of last active means you are in violation for re-aging this account this is a huge error because this determines when this account gets deleted under the fcra update if you can't update or verify the correct date last active you must delete this from all of my consumer reports
Consumer complaint received 2024-06-06
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. (TX)

This is my last attempt to have this issue resolved, and I am increasingly concerned about the negative impact it is having on my financial standing and credibility. In regards of providing all necessary documentation and evidence to support the correction of this late open account, it remains inaccurately listed on my credit report. This persistent error undermines my financial reputation and hinders my ability to access credit and secure favorable financial terms. Also, I demand transparency regarding the steps being taken to address this issue and a clear timeline for its resolution. MoreoverI request compensation for the inconvenience, stress, and potential financial harm caused by the presence of this incorrect late open account on my credit report. It has adversely affected my ability to obtain credit, secure loans, and pursue other financial opportunities essential for my financial stability. The account should be corrected as soon as possible : XXXX XXXX XXXX Balance : {$290.00}.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NY)

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating.