davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX has been over 30 days non responsive to Notice of Dispute Demand for Validation and Proof of Claim. According to the FDCPA 15 USC-1692, 15 USC-1666 and the TILA 15 USC -1601. Notice sent to XXXX XXXX XX/XX/year> delivered XX/XX/year> Certified mail return receipt. As of today XX/XX/year> no response to validation of alleged debt nor corrections to credit reporting agencies have been made. Certified mail # XXXX
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CT)

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-06-10
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)

My XXXX XXXX XXXX is due on every Second of the month. I paid it on the XXXX or XXXX of the months. However, XXXX XXXX XXXX is reporting it 30 days Late. Prime example, my due date was on XXXX XXXX, I paid on XX/XX/year>. However, XXXX XXXX XXXX posted the payments on XX/XX/year>. As result, it was reported late. I Always PAID via XXXX XXXX XXXX. XXXX XXXX XXXX refused to correct the ERRORS. Enough is Enough, at the beginning of the loan XXXX XXXX XXXX representative improperly Entered my BANKING information into the computer. XXXX XXXX XXXX representative admitted that the previous representatives mistakenly entered the wrong banking information. And yet, still refused to correct the errors on my credit reports. I even had to make payments arrangements because of errors. XXXX XXXX XXXX is affecting my credit. I NEED ALLY AUTO FINANCE TO CORRECT THE ERRORS.
Consumer complaint received 2024-06-10
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. (IL)

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below have violated my rights according to 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 a consumer reporting agency can not furnish an account without my expressed written instructions. 

Account Name : XXXX Account # XXXX Account Name : XXXX  XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX  XXXX Account # XXXX Additionally, please provide the following : XXXX. The Original Contract With My Signature On It XXXX. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) XXXX. The Payment History and Itemized Billing Associated With Each Account XXXX. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things, please delete these accounts from my credit report. Thank you.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

Experian credit company is reporting false info on my credit report which goes against fcra guidelines im am considering reaching out to department of justice due to invalid information but the accounts are as followed 1. XXXX XXXX is a fraudulent account they XXXX XXXX XXXX from report and update 2XXXX XXXX XXXX is being reported late which is inaccurate i have proof of payment history to show otherwise they need update payment history to excellent 3. XXXX XXXX XXXX are not my accounts i have never had a student loan they need removed from report the credit bureaus made a mistake and either way these accounts are over 7 years old 4.XXXX XXXX is also innacurate and needs deleted off my credit report is a fraudulent account as well and XXXX XXXXo is well aware of this matter
Consumer complaint received 2024-06-10
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 concerning my credit report, which contains inaccurate and incomplete information that necessitates your immediate attention. I specifically wish to dispute the account : The basis for my dispute is that your agency has not provided sufficient information to verify the debt in question. XXXX and XXXX have already rectified these inaccuracies due to an identified error. I am perplexed as to how your bureau has verified these accounts while the other bureaus have updated them. Therefore, I request that you correct these accounts in my credit file, as they are inaccurate, erroneous, incomplete, or unverifiable. 

XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 


XXXXXXXX XXXX XXXX XXXX  { dispute_item_and_explanation } Enclosed is a copy of my Identity Theft Report, supporting my position. 

I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities on an account that is already open.
Consumer complaint received 2024-06-10
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)

As per IRS regulations, an unpaid charge-off is recognized as income. However, according to the FCRA, income can not be reported on credit reports. I have recently received a 1099-C ( Cancellation of Debt ) for the charged-off account undeXXXX XXXX XXXX  Account number XXXX. Despite this, upon reviewing my latest credit report, I observed that this account is still being reported as a charge-off. It is imperative to adhere to regulations ; therefore, I kindly request the cessation of reporting and the deletion of this account from my credit report. Your prompt attention to this matter is greatly appreciated.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Lockhart, Morris & Montgomery Inc. (GA)

I don't know who this Company is, I don't have any binding CONTRACTS WITH YOU, Stop All communications until you send me All Validation of Debts Documents.XXXX ( {$1900.00} ) According to 15 U.S.C.1692 ( c ) You have VIOLATED my RIGHTS by unlawful COMMUNICATION. 
PLEASE Remove this Collection off my Credit Report Thank you.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Adjusters, LLC (GA)

I don't know who this Company is, I don't have any binding CONTRACTS WITH YOU, Stop All communications until you send me All Validation of Debts Documents.Why did you report on XX/XX/year> for ( {$390.00} ) Send Me A Copy Of My ID Card So I Can See If You Have The Right Person, Thanks According to 15 U.S.C.1692 ( c ) You have VIOLATED my RIGHTS by unlawful COMMUNICATION. PLEASE Remove this Collection off my Credit Report Thank you.
Consumer complaint received 2024-06-10
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. (GA)

According to my consumer report I received XX/XX/XXXX there was an error that on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX acct XXXX there is a late payment posting there has never been late on this account i have tried to fix this issue with XXXX credit bureaus as a result it came back as just an updated account still publishing a late payment that needs to be removed immediately.. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. This account XXXX XXXX XXXX needs to be updated as paid as agreed, NO LATE PAYMENT on XXXX, XXXX, XXXX and any other furnishes of my personal credit.
Consumer complaint received 2024-06-10
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. (AL)

I previously requested that XXXX XXXX XXXX, XXXX provide validation of the alleged debt that they are falsely reporting on my credit reports. I requested proof of the original signed contract between me and the original creditor on XX/XX/year>. XXXX XXXX XXXX XXXX sent information via mail on XX/XX/year>, that just included a bill from the original creditor. The requested documentation that I requested ( the original contract with the original creditor that bears my physical signature ) was not provided. Therefore, this needs to removed from my credit report IMMEDIATELY as my rights have been violated under the Fair Debt Collection Act ( FDCA ). None of the information that I requested was provided to validate this alleged debt.
Consumer complaint received 2024-06-10
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: Credence Resource Management, LLC (AL)

I previously requested that Credit Resource Management, LLC provide validation of the alleged debt that they are falsely reporting on my credit reports. I requested proof of the original signed contract between me and the original creditor on XX/XX/year>. Credence Resource Management LLC sent information via mail on XX/XX/year>, that just included a bill from the original creditor. The requested documentation that I requested ( the original contract with the original creditor that bears my physical signature ) was not provided. Therefore, this needs to removed from my credit report IMMEDIATELY as my rights have been violated under the Fair Debt Collection Act ( FDCA ). None of the information that I requested was provided to validate this alleged debt.
Consumer complaint received 2024-06-10
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. (FL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX will investigate this account for me to ensure accuracy here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CT)

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 from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX
Consumer complaint received 2024-06-10
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)

Experian is Reporting a late payment on my credit report. I have reported this incorrect and also asked for this to be corrected and updated.I have repeatedly asked to update or send information from investigation. To this date I have yet to receive any information or proof this information is correct. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 5 USC 1681 section 6 o 2 states. I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan go late for any purpose.
Consumer complaint received 2024-06-10
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 regarding my credit report, which contains inaccurate and incomplete information that requires your attention. 
The reason for my dispute is that your agency has not provided sufficient information to verify the debt in question. XXXX and XXXX have already corrected these inaccuracies due to an identified error. I am puzzled as to how you have verified these accounts while the other bureaus have updated them. Therefore, I request that you correct these accounts in my credit file, as they are inaccurate, erroneous, incomplete, or unverifiable. 

I insist that you cease reporting these accounts as late on my credit report immediately. Failure to comply with this request XXXX result in legal action against your agency. I specifically wish to dispute the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Professionals, Inc. (Macomb, IL) (IL)

I am unaware of this debt ; I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you think I received proper notification, send me a copy of the certified letter that was sent to me with my signature.
Consumer complaint received 2024-06-10
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 once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent account on my credit report. As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding this fraudulent account, and following this submission, XXXX and XXXX have removed this account from their records. I have also directly contacted the bank associated with this account, and they have confirmed the removal of the account. Therefore, I am puzzled as to why this account is still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove this fraudulent account not only violates this obligation but also exposes me to further harm. 

XXXX XXXX XXXX
Consumer complaint received 2024-06-10
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)

Account name XXXX XXXX XXXX XXXX XXXX XXXXXXXX has validated The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 suppose 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 suppose 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 2024-06-10
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 writing to formally dispute the fraudulent information on my credit report. Upon reviewing my report, I discovered an account that does not belong to me and is the result of identity theft. This fraudulent account has already been removed from the records of other credit bureaus, indicating an inconsistency in your reporting. The presence of this fraudulent account negatively impacts my credit history and could have serious consequences for my financial future. I request that you promptly investigate this matter and remove the fraudulent account from my credit report. 
I expect a written response acknowledging the receipt of this dispute letter and detailing the actions you will take to rectify this situation. Additionally, I request a copy of my updated credit report once the corrections have been made. 
I contacted the bank associated with this account, and they have confirmed that the account was fraudulent and has been removed from their records. Despite this, the account remains on my credit report with your bureau : XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-10
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)

In accordance with the XXXX Credit Report act. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violated XXXX XXXX XXXX They have also stated that I had Late payments on XXXX accounts and this never occured : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 Section XXXX. 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 an account without my written instructions. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information related 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 2024-06-10
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. (FL)

I am filing a complaint regarding the collection accounts reported by XXXX XXXX XXXX on my credit reports. I believe these accounts should be removed as they are not in compliance with the Fair Credit Reporting Act ( FCRA ), and my rights are being abused. 
XXXX XXXX XXXX XXXX Balance Owed : {$1400.00}
Consumer complaint received 2024-06-10
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

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
Consumer complaint received 2021-04-17
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: EQUIFAX, INC. (IL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.