davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2023-12-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

This complaint serves as a formal notification that failure to block the specified accounts on my report will result in legal action. I have apprised my legal representative of my intent, and they are prepared to hold you accountable for willful noncompliance, currently constituting multiple violations of FCRA laws. My attorney, having successfully litigated against your organization in similar cases, is optimistic about the potential outcomes and damages involved. While I prefer an amicable resolution due to the simplicity of the remedy, please do not mistake my leniency for weakness. The consequences for your non-compliance could be substantial. Consider this your final warning. I insist on the immediate removal of the items specified in my fraud report, as detailed below : XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

Experian has failed to send me proof/verification of the accounts that they are reporting to the credit agencies on my behalf. I have attempted to gain this info from Experian and they have failed to provide which is now a violation of my consumer rights under the FCRA. The accounts are as follows : 1. XXXX XXXX FOR THE AMOUNT OF {$1600.00} 2. XXXXXXXX XXXX  FOR THE AMOUNT OF {$470.00} 3. XXXX FOR THE AMOUNT OF {$520.00} 4. XXXX XXXX FOR THE AMOUNT OF {$100.00}
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

On XX/XX/XXXX, I notified XXXX and the 3 consumer credit reporting agencies XXXX, XXXX XXXX and Experian that the balance of my XXXX  loans were paid in full. I also submitted documentation, After the alleged investigation both companies return with the same inaccurate information despite the proof they have received and XXXX hasn't done and update to my credit report since XX/XX/2023, They are NOT doing a through investigation if so they would've seen this information is inaccurate.
Consumer complaint received 2024-09-06
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. (MO)

My account with those creditors was never late! I have had exceptional payment history witH 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 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 those 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.

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 2023-12-05
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. (TN)

There are unauthorized unrecognizable inquiries, addresses, names, and social security numbers listed on my credit profile. I did not authorize any of the listed information. Please block and delete. Unauthorized names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The only name that is supposed to be on my credit profile is " XXXX XXXX '' any other name is misleading to other businesses when they legally inquire on my credit report. Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Social Security Numbers : XXXX XXXX XXXX XXXX The one and only social security number that is supposed to be on my credit profile is : XXXX Unauthorized Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (NY)

im victim of identity theft. the information below, which appears on my credit report does not related to any transaction that i have made this is the result of identity theft. 
please block this inf from my credit report.
Consumer complaint received 2023-12-05
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. (LA)

15 USC 1681c-2 IMMEDIATE BLOCK AND DELETE OF FRAUDULENT and false personal information being reported. SEE ATTACHED. 
Ive made several requests to EXPERIAN, however they have failed to honor the process and continue reporting information they know is false, inaccurate and not related.
Consumer complaint received 2024-03-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I had a business checking account with Bank Of America for 18 years and was never late or never missed a payment. They sent me a letter saying they were going to close my account with 30 days notice. I tried to get an extension to give me time to get another bank account open and they said nothing they could do. They really pulled the rug out from under me as i had a XXXX last week that left me unable to leave my house for about 1 week and i explained that to them, but they didnt care.
Consumer complaint received 2023-12-04
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: Experian Information Solutions Inc. (IL)

These accounts were paid off in full. See attached letters. These accounts are all inaccurately listed as past due charge off/collections, which is also INACCURATE because a charge off/collections can not be listed as past due. Also all of these accounts were paid in full, per all of the attached letters. These accounts should be removed since they were paid off years ago. The credit reporting agencies ' dispute department has failed to correct the inaccurate payment status ( which should state " PAID '' ) and the agency has failed to correct the payment status to " CLOSED : PAID AS AGREED ''. ( Experian and XXXX ) should not be allowed to post and/or re-post inaccurate information to my credit files, at all, since the inaccuracies are abundant and constant. The following accounts should have a PAID payment status and a PAID account status and nothing should be listed as delinquent. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

One or more of the following FCRA laws have been violated : 15 USC 1681 section 602-A states that I have the right to privacy. 15 USC 1681 section 604-A section 2 states that consumer reporting agencies can not furnish an account without my written instruction or consent. Nor list inaccurate payment histories or false status or comment notes on my credit file. 15 USC 1681i - Procedure in case of disputed accuracy states that inaccuracies must be removed if inaccurately reported, for any and all reasons.
Consumer complaint received 2023-12-05
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 recently checked my credit report and noticed that there were a late payment reporting from XXXX XXXXXXXXXXXX XXXX On XX/XX/ I contacted The issuer they stated all my payments were on time and that it was the reporting agencies reporting in accurate information you have violated the United States code law tila 15 U.s. code 1666 ( b ) billing error as a consumer by law these accounts need to be updated or deleted immediately. Or I will seek monetary compensation for violating my rights in Small claims court in my city and state under 15 usc 1681n. Civil liability because Ive been violated
Consumer complaint received 2024-02-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: PNC Bank N.A. (IN)

On XX/XX/2023 I arrived at the XXXX XXXX XXXX in XXXX. The desk clerk informed me that I might get a better rate online. I thought that I was on the XXXX 's website so I entered my credit card number to view the proposed rate which turned out to be XXXX  off from my original valid reservation. I left the site before completing the reservation. Soon both reservations appeared on my credit card. I immediately called the number on the fraudulent reservation and spoke to XXXX who said, " We have your credit card information and we are going to use it. '' When I asked he told me that XXXX was the site I was on, but I only have his word for that. The XXXX has not responded to my request for further information. Please note that the fraudulent reservation still has the box showing which says, " Agree and book this room for US {$500.00}. '' The fraudulent reservation appears on my credit card statement as XXXX XXXX XXXX XXXX. The genuine reservation, which I paid, says XXXX XXXX XXXXXXXX XXXX. I immediately filed a dispute with PNC by phone and they assured me that I wouldn't have to pay it. When PNC contacted me by phone for further information they assured me at that time also that I wouldn't have to pay it. However now PNC says that I do have to pay it, and furthermore that they would not waive the finance charges incurred while I attempt to find out more about this fraudulent company and take action against it.
Consumer complaint received 2024-09-06
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. (MI)

Experian is in violation of my FCRA right 15 U.S.C. 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigation of Disputed Information Consumer reporting agency ( CRA ) must reinvestigate disputed information within 30 days ( b ) Notification of Consumer CRA must notify consumer of results of reinvestigation ( c ) Deletion of Inaccurate Information CRA must delete inaccurate information from consumer 's file ( d ) Notification to Consumer of Deletion CRA must notify consumer of deletion ( e ) Statement of Dispute Consumer may add statement to report explaining dispute 15 U.S.C. 1681e ( b ) - Furnisher Responsibilities Furnishers must : - Provide accurate information - Correct and update information - Notify CRA of disputes 15 U.S.C. 1681n - Civil Liability for Willful Noncompliance Consumer may sue for damages, including statutory and punitive damages, for willful noncompliance 15 U.S.C. 1681o - Civil Liability for Negligent Noncompliance Consumer may sue for actual damages for negligent noncompliance Remember, these rights aim to protect consumers from inaccurate information on their credit reports. If you suspect inaccuracies, review your report and dispute errors with the CRA and/or furnisher. 

XXXX XXXX XXXX Account XXXX 1. ) Balance Is Inaccurate & Should Be Reporting Balance As {$0.00}.

( attached is account statement showing account was paid to {$0.00} on time! ) 2. ) XXXX Statement For This Account Isnt Available Until XX/XX/XXXX  & Payment Isnt Due Until XX/XX/2024, So How Is Experian Reporting A Payment For XXXX?? 

Please Update My Report Immediately!!
Consumer complaint received 2023-12-24
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (OH)

Out of the blue Synchrony Bank decreased my credit limit from {$2400.00} down to {$1600.00}, which is ridiculous and how can they do this, I pay over the minimum payment every month. Never had a problem until just this year 2023. I do not agree with this decision, I do not know where they are getting there information, but I have XXXX XXXX on my phone and my credit is checked daily so I know where I stand every day, for Synchrony to do this is not right and I want the credit limit returned to {$2400.00} like it was it was at {$2400.00} for about 2 years and suddenly they want to decrease for reasons that are preposterous! This company has not been easy to deal with since I have had them, but I want to keep the credit card because it is a Sam 's Club Elite Mastercard and can be used anywhere it is just synchrony banks reasons for decreasing the credit limit. None of my bills are late, there no derogatory or delinquent accounts that show up in XXXX XXXX which is updated daily nor is there any delinquent or derogatory accounts on XXXX, which I check regularly as well and my own bank monitors my credit and no delinquent or derogatory accounts through my bank so I do not know where Synchrony is getting their information, nor do I care because it is not accurate as I said my credit is checked regularly and nothing is bad on my credit my score is a XXXX for XXXX and XXXX for XXXX and XXXX for XXXX, which I just checked today, XXXX XXXX, 2023. I want this decision to decrease my credit limit down reversed immediately, I have never paid the bill to Synchrony Bank late and it is always above the minimum payment as it is with my other credit cards, none of them are late, they are all in good standing.
Consumer complaint received 2023-12-04
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. (MO)

Experian has now closed 3 complaints today without addressing the issue once again experian gives idiotic explanation that has nothing to do with the fact they now have stolen 18 months of on time never late payments to XXXX and refuse to give them back
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

I have a XXXX XXXX XXXX XXXX XXXX ( account number is XXXX XXXX XXXX XXXX ). After the close of the previous statement ( XX/XX/XXXX ), I had a statement balance of {$3100.00}. I made payments to bring the account balance to {$0.00} prior to the close of the most recent statement date ( XX/XX/XXXX ). XXXX XXXX never reported to Experian after the XX/XX/XXXX statement that the account balance is now {$0.00}, so my Experian credit report continued to show a balance of {$3100.00}. I submit a dispute on the noted XXXX XXXX account through Experian on XX/XX/XXXX. Experian contacted XXXX XXXX referencing the dispute, and XXXX XXXX responded saying that i still have an account balance of {$3100.00}, which is incorrect. 

As a result of XXXX XXXX incorrectly reporting my account balance to Experian two separate times, i am submitting this complaint regarding my XXXX XXXX XXXX credit card account.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2023-12-04
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)

I hope this complaint finds you well. I am writing this complaint to you today to address a matter of utmost importance regarding identity theft that has impacted me. I discovered suspicious activity on my credit report, this was brought on by a data breach from XXXX XXXX in XXXX After reviewing the information on my credit report, it came to my attention that an unauthorized account have been opened in my name. I was and am deeply concerned about this breach of my personal information and the potential repercussions it may have on my financial well-being. I have taken immediate steps to report this identity theft incident to the local authorities and have obtained a theft affidavit which I have enclosed with this complaint for your reference. I have also contacted the affected financial institution and desire the placing of fraud alerts on my account to prevent further unauthorized activities. As I reported the problem Experian to rectify this issue, and they removed all but 1 account from my report I kindly request your assistance in blocking the fraudulent account listed on my credit report with Experian. The unauthorized accounts in question are included on the attached affidavit, and it was opened without my knowledge or consent. I have not initiated or authorized any transactions associated with these accounts. In light of the seriousness of this matter, I kindly request that Experian initiate an immediate deletion of the fraudulent accounts. It is crucial to ensure that the erroneous accounts resulting from this identity theft are promptly removed from my credit report. The accounts in question are : XXXXXXXX XXXX XXXX XXXX XXXX. Enclosed with this complaint, please find the following documents that support my claim : 1. A copy of my identification for verification purposes. 2. A copy of the FTC Affidavit detailing the identity theft incident. I understand that resolving cases of identity theft can be a complex process, but I sincerely appreciate your prompt attention to this matter.
Consumer complaint received 2023-12-04
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc. (NV)

I paid off the remaining balance on my student loans on XX/XX/. I reached out the week of XX/XX/, as I could no longer could log in to my account. It seems the blocked my access to the portal but sent no confirmation that loans were paid off and after 30 days, the student loans are still showing on my credit reports. I am waiting for the credit report to be updated before I apply for mortgage. They are dragging their feet.
Consumer complaint received 2023-12-04
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. (OH)

I was looking over my report and seen an derogatory remark on my file my rights have been violated by XXXX XXXX XXXX  under 15 U.S. Code 1692b - Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communicationrelates to the collection of a debt ; and ( 6 ) after the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorneys name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time to communication from the debt collector.