davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-07
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 recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. 
I assume XXXX days is a reasonable amount of time for your investigation. After your investigation, please provide me with an updated credit report as well as the names, addresses and telephone numbers of the individuals that have been contacted. 

I insist that you cease reporting these accounts as late on my credit report immediately. Failure to comply with this request may result in legal action being taken against your agency. 
This information is injuring my consumer report and I request that you correct this information immediately. The information I am disputing is as follows : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-06-08
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)

I am writing to formally dispute two late payments reported on my credit reports by the Credit Reporting Agencies ( CRAs ). These late payments are inaccurately reflected in my credit history, and I request an immediate investigation and correction of these errors pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

The details of the disputed accounts are as follows : XXXX. Creditor Name XXXX XXXX XXXX XXXX Account Number : XXXX Date of Alleged Late Payment : XXXX XXXX XXXX  Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Alleged Late Payment : XX/XX/2024 According to the FCRA, specifically 15 U.S.C. 1681i, the CRAs are required to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. Additionally, 15 U.S.C. 1681s-2 obligates furnishers of information to report accurate information to the CRAs and to correct any inaccuracies they discover.

I have reviewed my records carefully and have found that the information reported by the CRAs regarding the above-referenced accounts is incorrect. I have never been late on these accounts, and I have enclosed copies of my payment records as evidence.
Consumer complaint received 2024-06-08
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)

Unfortunately after many failed attempts at getting the fraudulent credit card removed from my credit reports. After sending FTC and Police Report you have failed to resolve this matter as this has put your institution in violation of the FCRA 605B. I am filing this last complaint with CFPB prior to my legal team filing for damages in Federal Court next week. You refuse to do anything to resolve this issue as the victim of fraud and identity theft. My ex partner had unauthorized access to my information opening accounts and even going as far as making payments on them with bank accounts in my name. When he left me in XXXX everything came to light about the matter.
Consumer complaint received 2019-07-25
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)

EXPERIAN, XXXX AND XXXX HAS AN ACCOUNT ON MY CREDIT REPORT THATS NOT MINE.. 

ACCOUNT : XXXX XXXX XXXX NOT MINE
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

My account with all the companies that I included on the document was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 the months that I was late 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.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This is my several endeavors to tell credit bureaus 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-08
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 requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-06-08
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)

Subject Dispute of inaccurate information on Credit Report I have recently viewed my credit report and found several items on there that are inconsistent. So I am writing to dispute the following inaccurate information. The collection agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they have placed a collection on my consumer report. 
I have not been given a chance to dispute accounts according to 12 CFR 1006.34 ( c ) ( 4 ) ( I ) The Collection Agency is violating my consumer rights by using false and misleading, misrepresentation and deceptive means. 
The collection agency has no authority to furnish any account to a consumer reporting agency without providing any disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15USC 1681-S2 ( 7 ) ( A ) The names of the accounts are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

The following accounts are unknown authorized users accounts that's on my credit report inwhich i have absolutely any knowledge of and I'm demanding that they are removed from my credit file immediately. 

1 ) XXXX XXXX XXXX Credit Card 2 ) XXXX XXXX  Credit Card
Consumer complaint received 2024-06-08
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. (FL)

This is my several endeavors 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-07
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 quite upset at the inaccuracies you are reporting deleted accounts in other bureaus in my credit record. I need the following inaccurate accounts to be accurate or deleted XXXX XXXX XXXX XXXX Balance {$XXXX} XXXX XXXX XXXX XXXX Balance {$XXXX} XXXX XXXX XXXX XXXX Balance {$XXXX}
Consumer complaint received 2024-06-08
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)

My account with all the companies that I included on the document was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 the months that I was late 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.
Consumer complaint received 2019-07-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (CA)

i closed an account in XXXX apx with wells fargo they promised me a closing statment thirty days after and i never got it today i called cust service and because i could not remember my username for the online account she refused to help me. i gave her my ssn and everything else. XXXX was her name. tel XXXX XXXX XXXX. 
XXXX XXXX put a refund on my card ending in XXXX i told XXXX XXXX not to do this but they did it anyway i told them the account was closed they said it would kick back and at that time they could give me my refund well it never kicked back so wells fargo has it the transcation was doneXX/XX/XXXX and the amt was XXXX so, i am filing a compliant XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (NJ)

The company has been reporting to the New Jersey Division of Taxation that I owe money for something that is incorrect. My taxes are held every year and then released after it is established that I do not owe anyone. They now have my anchor benefit check on hold for the same reason. I want this information removed from the State of New Jersey 's Taxation Division permanently so that I can receive my check and all future checks without having to wait for a response from them. my next step will be to file a lawsuit against them for falsely sending information about me.
Consumer complaint received 2024-06-07
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. (WI)

I am writing to lodge a formal complaint against Experian regarding the mishandling of a collection account associated with XXXX XXXX XXXX, Account # XXXX, which has resulted in multiple violations of federal laws governing consumer credit reporting and debt collection practices. 

Failure to Provide Validation ( Violation of FCRA Section 611 ) : Despite my request, Experian has neglected to provide adequate validation of the collection account in question, as required by the Fair Credit Reporting Act ( FCRA ) Section 611. This provision mandates that credit reporting agencies must conduct a reasonable investigation and provide verification of disputed information within 30 days. Experian 's failure to fulfill this obligation constitutes a clear violation of my rights as a consumer under the FCRA. 

Duplicate Reporting ( Violation of FCRA Section 623 ) : Experian has reported the same collection account twice on my credit report, thereby violating the accuracy and integrity standards set forth in the FCRA Section 623. This provision stipulates that consumer reporting agencies must ensure the maximum possible accuracy of the information provided in consumer reports. Experian 's duplication of the collection account not only misleads creditors and lenders but also harms my creditworthiness and financial standing. 

Unauthorized Reporting ( Violation of FCRA Sections 604 and 607, FDCPA Section 807 ) : Experian added the collection account to my credit profile without obtaining my express written or verbal permission, nor did they receive information from a court or government agency, as required by the FCRA Sections 604 and 607. Additionally, this action violates the Fair Debt Collection Practices Act ( FDCPA ) Section 807, which prohibits debt collectors from making false or misleading representations in connection with the collection of any debt. Experian 's unauthorized reporting of the collection account constitutes a blatant violation of these provisions and undermines the integrity of the credit reporting system. 

Willful Noncompliance ( Violation of FCRA Section 616 ) : Experian 's repeated failure to comply with the FCRA 's requirements, despite being aware of its obligations, may be considered willful noncompliance under FCRA Section 616. This provision allows for civil penalties to be imposed on credit reporting agencies that willfully fail to comply with the FCRA 's provisions, further underscoring the seriousness of Experian 's actions.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I am writing to file a formal complaint against the credit bureaus for their failure to comply with the removal of unauthorized inquiries from my credit report. Despite repeated requests, these inquiries, which were made without permissible purpose, remain on my report, adversely impacting my creditworthiness. These companies had no legitimate reason to access my credit information, yet their unauthorized actions continue to affect my financial standing. Such non-compliance with the Fair Credit Reporting Act ( FCRA ) undermines my rights as a consumer and can have severe consequences on my financial well-being.
Consumer complaint received 2024-06-07
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. (IL)

PLEASE BLOCKED AND REMOVED I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.
Consumer complaint received 2024-06-08
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. (TX)

XXXXXXXX XXXX Account Number XXXX Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

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 https : //www.ftc.gov 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, accounts and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : Experian XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$3600.00} XXXX XXXX  XXXX Balance Owed : {$25000.00} XX/XX/XXXXXXXX XXXX Balance Owed : {$1900.00} XX/XX/XXXXXXXX Balance Owed : {$5200.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$850.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$960.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$110.00} XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance XXXX : {$3600.00} XXXX XXXX XXXX Balance Owed : {$25000.00} XXXX  XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX Balance Owed : {$5200.00} XXXX XXXX XXXX XXXX Balance Owed : {$850.00} XXXX XXXXXXXX Balance XXXX XXXX {$210.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$960.00} XXXX XX/XX/XXXX -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX : {$3600.00} XXXX XXXX XXXX Balance XXXX : {$25000.00} XXXX  XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX Balance Owed : {$5200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$960.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$110.00} 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 XXXX business days after the date of receipt.
Consumer complaint received 2023-09-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am a victim of identity theft and I filed the correct paperwork per the FCRA. I have disputed these accounts. Nothing has been done and the paperwork I filed and sent in to the credit agencies have not been attached to the disputes. I also have not been given copies of the verification process. 

These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX