davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-07
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (WA)

All I wanted to do was unfreeze my credit at Experian for XXXX day so that I could open a bank account. This used to be very easy -- and now it's almost impossible and is holding up my bank account. 

Here 's what happened today ( XX/XX/year>, at XXXX PST ) : * I went to the website for unfreezing for free ( XXXX XXXX XXXX ), and unlike before, it now forces me to create an account. OK. 

* Except that due to a technical glitch in the process, I can't verify my phone number while creating the account that I don't actually want. They are supposed to send me a secret number via voice or text message, but neither was actually sent to my phone. So now I have an account with a phone number that's unverified. I don't know how important that is. 

* What I *do* know is that when I log into the website above now, I don't have any option to temporarily unfreeze my account. Instead, I get a message saying " Welcome back. Get your Free Experian Credit Report now. XXXX XXXX XXXX XXXX. 
When you order today, you'll get : ( nothing shown ) No credit card required. Checking your own Credit Report does not hurt your credit scores. '' * I do not want my free credit report, since it's only free once per year and I might need it later. 

* I then call the number on their customer service line ( XXXX ). All I get is an AI-operated voice line that will allow me to unfreeze my credit, but it's unclear if I'll be able to do so temporarily and then freeze it again in a day. 

* I then try various ways to get a real person to help me, but to no avail. 

* Experian 's contact us page at XXXX XXXX XXXX XXXXas no way to talk to a real person. so I'm contacting you instead to ask for help. 

To recap : All I want to do is temporarily unfreeze my credit without being forced to get my annual credit score. They should not force me to do this. I would be OK if they just set it up so that I could log in and unfreeze my credit like they advertise.
Consumer complaint received 2024-06-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (VA)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-06-20
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. (OK)

My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX 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 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 on those accounts to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Consumer complaint received 2024-06-21
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)

I am writing to dispute the accuracy of certain information on my credit reports maintained by XXXX and Experian. The details of the accounts in question are as follows : XXXX Report : Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$3600.00} Credit XXXX XXXX {$0.00} Past Due : {$1500.00} Date Last Active : XX/XX/XXXX Experian Report : Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$0.00} Credit Limit : {$0.00} Past Due : {$1600.00} Date Last Active : XX/XX/XXXX Upon reviewing my credit reports, I have identified significant discrepancies between the information reported by XXXX and Experian regarding the above account. Specifically : Date Opened : XXXX reports the account as opened on XX/XX/XXXX, while Experian reports it as opened on XX/XX/XXXX. 

High Credit and Credit Limit : XXXX reports a high credit of {$3600.00} and a credit limit of {$0.00}, whereas Experian reports a high credit and credit limit of {$0.00}. This discrepancy in high credit amount is substantial and needs correction. 

Past Due Amount : XXXX reports a past due amount of {$1500.00}, while Experian reports {$1600.00} as past due. This inconsistency in reported past due amounts requires immediate attention. 

Date Last Active : XXXX reports the account as last active on XX/XX/XXXX, whereas Experian reports it as last active on XX/XX/XXXX. This discrepancy in reported dates of last activity is significant and needs clarification. 

These discrepancies violate the Fair Credit Reporting Act ( FCRA ) in the following ways : FCRA 611 - Accuracy of Information : The inconsistencies in reported dates of account opening, high credit, credit limit, past due amounts, and last active dates suggest a failure to maintain accurate consumer information.

FCRA 623 - Duty to Correct and Update Information : According to FCRA 623, CRAs must promptly update and correct inaccurate information upon notification by the consumer. The discrepancies noted above indicate a need for immediate correction and updating of my credit reports. 

Enclosed are copies of relevant documents that support my claim, including ID and Social Security Card I request that XXXX and Experian conduct a thorough investigation into these discrepancies as required by FCRA 611 and promptly update my credit reports with accurate information. Please provide me with the results of the investigation in writing and correct the inaccuracies on my credit reports accordingly. 

Additionally, I kindly request that you send me a free copy of my updated credit report once the corrections have been made. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Consumer complaint received 2024-06-21
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. (SC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumter rights to privacy and confidentiality under 15 USC 1681. Account-XXXX XXXXXXXX # XXXX Account- XXXX XXXX XXXX # XXXXXXXX XXXX  XXXX # XXXX has violated my rights. I looked at my Experian credit report on XXXX XXXX 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 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 ( 1 ) 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 ( 2 ) 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 2024-06-21
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)

Dear Sir/Madam, I am writing to formally dispute the accuracy of certain information on my credit reports maintained by XXXX and Experian. The details of the accounts in question are as follows : XXXX Report : Account # : XXXX Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX Experian Report : Account # : XXXX Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX Upon reviewing my credit reports, I have identified significant discrepancies between the information reported by XXXX and Experian regarding the above account. Specifically : Date Opened : XXXX reports the account as opened on XX/XX/XXXX, while Experian reports it as opened on XX/XX/XXXX. 

Date Last Active : XXXX reports the account as last active on XX/XX/XXXX, whereas Experian reports it as last active on XX/XX/XXXX. 

These discrepancies violate the Fair Credit Reporting Act ( FCRA ) in the following ways : FCRA 611 - Accuracy of Information : Both XXXX and Experian are required under FCRA 611 to maintain reasonable procedures to ensure the maximum possible accuracy of consumer information. The inconsistent reporting of account opening dates and last active dates suggests a failure to comply with this requirement. 

FCRA 623 - Duty to Correct and Update Information : According to FCRA 623, consumer reporting agencies such as XXXX and Experian must promptly update and correct inaccurate information upon notification by the consumer. The discrepancies in reporting dates indicate a failure to promptly update my credit reports with accurate information. 

Enclosed are copies of relevant documents that support my claim, including [ list any supporting documents such as billing statements, correspondence with the creditor, etc. ]. 

I request that XXXX and Experian conduct a thorough investigation into these discrepancies as required by FCRA 611 and 623. Please provide me with the results of the investigation in writing and correct the inaccuracies on my credit reports accordingly. 

Additionally, I kindly request that you send me a free copy of my updated credit report once the corrections have been made. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely,
Consumer complaint received 2024-06-21
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. (DE)

My name is XXXX XXXX XXXX. And this is not a third party filing this report. I have attached several documents for your review. Please see attached. There are several inaccuracies on my consumer report being reported by the following credit reporting agencies. Experian, XXXX, and XXXX. They have not did an investigation into this matter and they are violating my consumer protection rights by these inaccurate reportings.
Consumer complaint received 2024-06-20
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 reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim.

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Consumer complaint received 2024-06-21
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. (CT)

I am writing to inform you that you have illegally reported an unauthorized inquiries on my credit report. I did not give you permission to access my credit profile, and you have no legal right to contact third parties with my private or personal information. Your actions amount to aggravated identity theft under 18 U.S.C. 1028A. You have knowingly, without lawful authority, transferred, possessed, or used my means of identification, which is a felony punishable by up to two years in prison and civil liability. 
You are also violating the Fair Credit Reporting Act ( FCRA ) by obtaining my consumer report without my permission or for a purpose not permitted by law. The FCRA is codified at 15 U.S.C. 1681b ( a ) ( 3 ) ( f ) ( i ). ( See XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) ).
Consumer complaint received 2024-06-20
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)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my ( XXXX - XXXX, DPT ED/AIDV - XXXX ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-06-21
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)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''
Consumer complaint received 2023-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

If, after my 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 ( 1 ) 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 Accounts being disputed : Account Name- XXXX XXXX XXXX XXXX XXXX -This account does not belong to me.
Consumer complaint received 2024-06-21
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. (MS)

15 U.S. Code 1692c ( c ) is a provision of the Fair Debt Collection Practices Act ( FDCPA ), which is a federal law regulating the practices of third-party debt collectors. Specifically, 1692c ( c ) addresses the issue of a debtor 's right to request that a debt collector cease communication. 
All communications regarding debt should cease and it is a violation of my rights to report anything to credit agencies. I demand you remove all items listed below. 

1. XXXX XXXX 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 2024-06-20
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. (TX)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

I am writing to formally demand correction and compensation for the incorrect and unverified late payment reporting on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Specifically : Incorrect Late Payment Reporting : My consumer report inaccurately shows late payments on three accounts, for which I was never late. These accounts include : Account XXXX : late payment reported in XX/XX/year>. 

. 




Failure to Conduct Proper Investigation : Despite previous disputes, you have failed to provide proof of investigation or verification of these accounts, as required by 15 U.S.C. 1681i ( a ). The consumer reporting agencies have a responsibility to report consumer information with maximum accuracy as mandated by 15 U.S.C. 1681e ( b ). 


I have included screenshots within this complaint showing the inaccuracies. Please investigate these accounts and provide proof with statements showing that these payments were late. If proof can not be provided, I demand these entries be corrected to reflect " paid as agreed on time. '' Due to these inaccuracies and your failure to conduct proper investigations, I have suffered significant financial and emotional distress. Therefore, I am demanding compensation as follows : Financial Damages : {$15000.00} Emotional Distress : {$7500.00} Other Costs ( legal fees, higher interest rates, etc. ) : {$2500.00} Total Compensation : {$25000.00} Please correct these inaccuracies and remit payment of {$25000.00} within 30 days of this letter to avoid further legal action. Additionally, provide written confirmation of the corrections and documentation of your investigation. 

I trust this matter will be given immediate attention to resolve it amicably. 

Sincerely, XXXX