davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (OH)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-07
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. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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 item 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 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Dear Sir/Madam. 

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. and section 604 of the fcra. Section 602A states I have right to privacy, section 604A Sec 2 it states a consumer reporting agency can not furnish an account without my written instructions.

1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make a consumer report containing any of the following items of information any other adverse items of information other than records of convictions of crimes which and dates 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. 

Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX : # XXXX Account XXXX  XXXX : # XXXX Account XXXX  XXXX XXXX XXXX XXXXXXXX Account Discover : XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Also the inquiries listed below were not authorized : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights.

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. 

I appreciate you dealing with this situation,
Consumer complaint received 2023-03-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Your company is in clear violation of the law, Pursuant 15 USC 1681a 2 ( A ) ( I ) EXCLUSIONS- Except As provided in paragraph ( 3 ) the term consumer report does not include ( A ) subject to section 1681s-3 of the title, any ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; The law clearly states : Transactions or Experiences between the consumer ( me ) and the person ( you ) ( XXXXXXXX XXXX XXXX XXXX XXXX Making the report is NOT INCLUDED on my Consumer report!
Consumer complaint received 2024-09-07
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. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

This account has caused me so much stress and I have now come to a point where I filed an FTC report regarding this. It is so frustrating to constantly reach out to your company and ask you to investigate this account, but still no action has been taken thus far.
Consumer complaint received 2024-09-07
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. (MD)

I am requesting your assistance in addressing a wrong account on my credit report. This has harmed my reputation, and I require your help. The poor handling of my credit information has led to serious consequences, and I ask that these mistakes be removed so I can move forward with my family.
Consumer complaint received 2023-03-29
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: EQUIFAX, INC. (FL)

According to federal law I never provide Equifax with written permission to report any accounts I've listed below that is in violation of 15 U.S. Code 1681b ( a ) ( 2 ). 
( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
this leads to identity theft!!!!!!! 
Definition of a credit card per 15 U.S. Code 1602 ( l ), means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
I did not provide the companies I listed below with consent to share my credit card ( ID, SSN, etc ) with another entity ( EQUIFAX ) this is a violation of 15 U.S. Code 1681s-2. 
( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

WHICH I HAVE DONE! 

15 U.S. Code 1681- Congressional findings and statement of purpose A statement by you that the information is not information relating to any transaction made by the consumer
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NJ)

I am writing to dispute inquiries on my credit report that I did not authorize. These unauthorized inquiries are negatively affecting my credit, and I request their immediate removal. 

According to the Fair Credit Reporting Act ( 15 USC 1681b ), consumer reports can only be accessed with my permission. Since I did not provide written consent to these inquiries, please remove the following from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-07
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. (CA)

This letter serves as my final attempt to resolve this matter before escalating to legal proceedings. Despite multiple previous disputes and my clear evidence that these accounts are inaccurately reported, you have failed to remove the erroneous information from my credit report. Your continued reporting of these items is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Violations include but are not limited to : Failure to Conduct a Proper Investigation : As required under 15 USC 1681i ( a ) ( 1 ), credit reporting agencies must conduct a reasonable investigation of any disputed items. Your investigations have clearly been inadequate, as the same inaccurate information remains on my credit report.

Reporting Inaccurate Information : Under 15 USC 1681s-2 ( a ) ( 1 ), furnishers of information are required to provide accurate information. These accounts are incorrect and have not been verified with my signed consent.

Failure to Respond to Dispute : As per FCRA 611 ( a ) ( 1 ) ( A ), you are required to respond to disputes within XXXX  days. Your repeated failure to adequately address my disputes is unacceptable.

I have provided clear evidence that the accounts listed below are not mine and should not be reported under my credit file :
Consumer complaint received 2024-09-07
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. (OH)

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 

XXXX XXXX {$8000.00} XX/XX/XXXX XXXX {$570.00} XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2024-09-07
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 formally dispute inaccurate information that you have reported on my credit report. The entry in question is as follows : Account Number : unknown Reported Amount : {$610.00} & {$610.00} Nature of Dispute : I believe the information is incorrect and unverified. ] Under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681s-2 ( b ), furnishers of information are required to ensure that the information they provide is accurate and verifiable. Furthermore, Section 1681i of the FCRA mandates that upon receiving a dispute from a consumer, the credit reporting agency must conduct a reasonable investigation to ensure the accuracy and completeness of the information reported.

I request that you investigate this matter thoroughly and provide me with a written response detailing the results of your investigation. If you are unable to verify the accuracy of this information, I expect it to be promptly corrected or removed from my credit report. Additionally, I request that you notify all three major credit bureaus ( XXXX, Experian, and XXXX ) of these corrections. 

Please be advised that if this matter is not resolved to my satisfaction within [ 30 ] days, I will consider all available legal remedies, including but not limited to seeking litigation for violations of the FCRA and any other applicable consumer protection laws. I would prefer to resolve this matter amicably and without the need for legal action, but I am prepared to take all necessary steps to ensure that my rights are protected.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) st
ates that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

I request that the following actions be taken immediately : Investigation of the mentioned violations.

Removal of the unauthorized accounts from my credit report.

Exclusion of any obsolete information in compliance with 15 USC 1681c ( a ) ( 5 ).

Correction of any inaccurate information in accordance with 15 USC 1681s-2 ( a ) ( 1 ).

Notification of the correction to any person who has received my credit report in the past six months.

I expect a written response within the next 30 days. If this situation is not adequately resolved, I will consider taking the necessary legal actions to protect my rights.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PR)

This account was charged off on the following date XXXX. Since then, the account has repeatedly been updated as charge-off every month. This is and update on the payment history. A charge off account should NOT include and active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate the account properly and you neglect has violated my rights. I am demanding a deletion of the following account : XXXX
Consumer complaint received 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX is reporting I'm late on two credit cards on my credit report one month after the cards was closed. 
I've sick for three months so due to that was unable to work for that time frame. 
In XXXX XXXX XXXX decided to closed two of my accounts because the auto payments was sent back. They closed both cards in XXXX but are adding high interest and fees to the account after they closed the account. In addition to that they reported that I was late in XXXX on my credit report when they closed my account in XXXX. 

I try to work with them and they are not helpful.
Consumer complaint received 2022-09-02
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: EQUIFAX, INC. (DE)

Recently, I did an investigation on my consumer report which has caused severe XXXX and anxiety upon me. In accordance with the Fair Credit Reporting Act XXXX, EQUIFAX and XXXX has violated my rights : -15 USC 1681 ( a ) ( 4 ) : states that I have the right to privacy as a federally protected consumer.

-15 USC 1681b ( 2 ) : states a consumer reporting agency can not furnish an account without my written instruction or oral instruction -15 USC 1681 ( a ) ( 3 ) : it is an obligation that any consumer reporting agency exercise their grave responsibility with fairness, impartiality, and respect for the consumer 's right to privacy.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

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

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

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

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

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

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 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate. 

I request that the following actions be taken immediately : Investigation of the mentioned violations. 
Removal of the unauthorized accounts from my credit report.

Exclusion of any obsolete information in compliance with 15 USC 1681c ( a ) ( 5 ).

Correction of any inaccurate information in accordance with 15 USC 1681s-2 ( a ) ( 1 ).

Notification of the correction to any person who has received my credit report in the past six months.

I expect a written response within the next 30 days. If this situation is not adequately resolved, I will consider taking the necessary legal actions to protect my rights.
Consumer complaint received 2024-09-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-07
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. (CA)

I just finished further reviewing my Experian Credit report and there is an address reporting on my credit report that is not mine. 
Below is the address that I would like to have permanently deleted from my Experian Credit Report : XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX