davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (MA)

My account with XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX XXXX XXXXXXXX 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 on my account 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 XXXXXXXX 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 2024-06-06
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. (CA)

XXXX XXXX XXXX - Account type : Debt Buyer - Original creditor : XXXX Comments from previous dispute : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) Debt was sold to a collection agency, in who I don't know or that I never made an agreement with them. Furthermore, the original creditor has broken California law ( please see attached ). The loans from the original creditor were in amounts of {$2600.00} with over allowed interest rates in the year 2018. In the matter brought to a court in the state of California, there is a false representation on the amount of debt owed, which is a violation of the FDCPA regulations. 

With XXXX XXXX XXXX - under 15 U.S. Code 1692g - Validation of debts - I have never received any correspondence from this company. I have disputed the debt through the credit bureaus and did not receive : Within five days of contacting a debtor, the debt collector must send a written validation notice that includes : 1 ) How much money the debtor owes 2 ) The name of the creditor to whom the debt is owed 3 ) Notice that they have 30 days to dispute the debt and what to do - A tear-off portion to use as a dispute form. 

I also did not give any of the credit bureaus to use my information for creditors to contact me. 15 U.S. Code 1681b. Under 15 U.S. Code 6802, my information should not have been given to a 3rd party either. I was not given the opportunity to opt out of communication with XXXX XXXX XXXX, which is also illegal. 

I have been notified by my ex-wife, friends and some family that they have recently been contacted by representatives that are trying to reach me in regards to this debt. This is another clear violation of the FDCPA.
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. (NY)

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 XXXXXX/XX/year>
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. (TX)

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
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (FL)

Upon careful review and investigation, as per FTC Report Number : XXXX. I noticed fraudulent and unauthorized accounts listed on my credit report file and filed for Identity Theft. I requested for all listed accounts below be deleted and removed from all three of my credit report files : Experian, XXXX, and XXXX, however, accounts are still being furnished inaccurately. Now, according to the Fair Credit Reporting Act-FCRA codes : 15 USC 1681 ( c ), 15 USC 1692 ( g ), 15 USC 1666 , 15 USC 1681 ( b ), 15 USC 1601, 15 USC 1681 ( 4 ), 15 USC 1681-623 ( a ), 15 USC 1681-604 ( a ), the list of accounts below has violated my federally protected consumer rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, United States Department of Education-EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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. In addition, I have sent several disputes requesting the deletion and removal of these items but I do not know why the accounts listed above are continuously being updated and not permanently deleted/removed from all three credit bureaus files ; Experian, XXXX, and XXXX.
Consumer complaint received 2023-03-15
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: Experian Information Solutions Inc. (FL)

I am really grateful that you have taken some of the fake items off of my credit report, but I think you should still disclose some of the disputed items that were the consequence of my identity being stolen. Please follow Section 605b of the Fair Credit Reporting Act and get the disputed entries removed from my credit file as soon as you can. According to what I've read, the Credit Reporting Agencies are mandated by Federal law to delete any accounts and information related to identity theft under the terms of the Fair Credit Reporting Act section 605b. If you think the disputed objects are mine, please send me copies of any documents you locate that have my signature or proof of ownership to back up your claim. It is expected that the disputed items will be deleted right away if you didn't find any papers. I'm asking you to please delete the following information from my credit file once more as soon as you can : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
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)

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. 

XXXX, Account Number : XXXX, XXXX, Account Number : XXXX, XXXX XXXX, Account Number XXXX XXXX, XXXX, Account Number XXXX 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 a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States ; no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) 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 2019-07-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

one day I realized I had around {$1000.00} missing from my checking account when I went to withdraw from the atm and noticed my balance was significantly down, I then realized from a period of 2 weeks I had close to {$1700.00} stolen from my account. 

I contacted bank of America the following business day and I received a letter from them about a week later telling me that it was not fraud. 

I received a letter stating that my claim was denied for fraudulent charges made between XX/XX/XXXX and XX/XX/XXXX for the amount of {$1700.00}. 

Bank of America believed these charges were legitimate and did not follow typical fraud patterns, I was given a few reasons. 

-Waited too long to stop transactions on the card -Fraud cases typically involve draining the account ( which did not happen in this case ) -Logged in multiple times while these transactions were taking place ( without noticing anything unusual or made any attempt to stop these transactions ) -No repeated attempts after I closed the account ( no declined transactions after i found out ) Most the reasons above are pretty faulty and can each have their own reasons. As a customer for almost 3 years, I feel that the above are not acceptable reasons for denying my claim. This is an unfair denial of my claim, Bank america is claiming that I should have noticed unusual activity on my account from the beginning, but I believe its difficult to notice $ XXXX transactions on your account when you have XXXX , I immediately noticed the charges when I seen there was {$1000.00} missing. bank of America claims fraudsters typically wipe out accounts, but this can not possibly be all cases. I just don't get that. 

the reason I am mainly writing this complaint is because bank of America has not even gave me any explanation on what these charges were for. its been over a month since I called them and they have not told me what these charges were for. its kind of scary. 

they were all international charges, starting in small amounts, of {$100.00} and gradually increasing to {$300.00} then the last charges were for {$500.00}. I was also charged for international fees. which totaled to {$1700.00} Furthermore, I was not provided any detail regarding the nature of these transactions. Did boa make an attempt to contact the merchant? Did the merchant contact them back explaining what the purchases were? There was literally zero information on what goods or services were purchased.
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. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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: Experian Information Solutions Inc. (GA)

On XXXX of XXXX Experian verified and an validated this account XXXX XXXX XXXX after reinvestigation. Experian failed to provide me with documentation of investigation and whom they investigated it with so I can follow up. Which violates usc 1681 c-1 c-2, and 1681 I. This account after reinvestigation is still reporting inaccuracies which I provided proof of these fraudulent inaccuracies. There willfully non compliance to the codes warrants removal of this account. It is manipulated the credit score process which is denying me access to credit Experian had more than enough time to validate this which they failed to do so on more than two occasions violating my consumer rights I want to assert my rights under the Fair Credit Reporting Act ( FCRA ) and relevant consumer laws. As per FCRA 605B ( 15 U.S.C. 1681c-2 ), which protects consumers from the consequences of identity theft, I am requesting the immediate blockage and removal of account from my consumer report XXXX XXXX, XXXX already removed this account due to the following inaccuracies, date of last payment states XX/XX/XXXX but payment status says payed after that XXXX states that the last payment was XX/XX/XXXX both are inaccurate this account was charged off but still has a limit, usage. All which is inaccurately still reporting after reinvestigation, which Im providing proof of. I have attached copies of the Federal Trade Commissions Identity Theft Affidavit, and I have also filed a formal complaint with the Federal Trade Commission ( FTC ). The complaint reference number is [ Complaint Reference Number ]. Additionally, I have reported this identity theft to the XXXX XXXX POLICE DEPT and I have obtained a police report number, for the case. According to applicable consumer laws and the FCRA, I demand the prompt deletion of these fraudulent items from my credit report. I expect these accounts to be removed within four business days of your receipt of this letter, as mandated by FCRA 605B. Furthermore, I am exercising my right under the FCRA to request a free updated copy of my credit report. Please ensure that this updated report reflects the removal of the fraudulent accounts. Any charges for this report should be waived in accordance with the law. Moreover, I request that you send notices of the corrections made to my credit report to all parties who have received my credit information within the past six months. This will help prevent any further dissemination of erroneous information. Please be advised that, unless you can provide verifiable evidence to prove otherwise, I expect no further communication regarding these alleged fraudulent accounts. As a victim of identity theft, I am taking all necessary steps to rectify the situation, and I trust that you will comply with the relevant consumer protection laws.
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. (PA)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Please take a look at the attached letters and ID docs for verification that it is I 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 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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. (FL)

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 XXXXXX/XX/year>
Consumer complaint received 2024-06-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (GA)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA XXXX. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-06-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA XXXX. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. The date of the last payment. The account status. I am requesting an investigation into the accuracy and completeness of the above data for the XXXX XXXX  Account - Account No. : XXXX
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below :
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. (NJ)

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 XX/XX/2022
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information 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. 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 XXXXXX/XX/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. (FL)

I have an account 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