davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

I pulled my credit report and discovered that there are 2 address that I never resided at and there are that have been opened in my name without my permission or consent I gotten a police report and submitted to all of credit bureaus, and they refuse to remove the items nor the address that are assigned to these fraudulent accounts. XXXX XXXX XXXX XXXX SC XXXX and XXXX XXXX XXXX XXXX SC XXXX I am writing to dispute an unauthorized access to my credit report, which I believe is in violation of 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). Specifically, I have discovered that my credit report was accessed without consent. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report from the report as soon as possible. The information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last XXXX months, or the last XXXX years for employment purposes. 
Additionally, please provide the names, addresses and telephone numbers of each credit grantor or other subscriber. 
Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy of the completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation.
Consumer complaint received 2024-07-04
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. (DE)

My account with XXXX XXXX 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 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 XXXX days before the payment due date. 


XXXXXXXX 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 XXXX 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 2024-07-04
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-03
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. (IL)

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.

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 informationisinaccurate.
Consumer complaint received 2024-07-03
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)

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.

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 informationisinaccurate.
Consumer complaint received 2023-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: PENTAGON FEDERAL CREDIT UNION (MD)

On XXXX XXXX XXXX, I used PenFed Credit Union points to make a reservation from XXXX through XXXX to XXXX. 

PenFed chose to use their code sharing relationship with XXXX XXXX to book with XXXX XXXX XXXX XXXX. In addition to the points, I paid additional fees of {$39.00} using my Pen Fed Card. On my PenFed bill, that charge appears as XXXX XXXX XXXX. Note that the reservation notice sent to me by PenFed on XX/XX/XXXX, shows that the charge for {$39.00} was paid to XXXX XXXX XXXX. 

On XX/XX/XXXX, XXXX XXXX cancelled the original flight to XXXX and rescheduled the flight through XXXX. I had to pay additional fees. The fees I paid ( {$35.00} and {$97.00} ) to accept that change were also processed through my Pen Fed Card and paid to the aforementioned XXXX XXXX and to XXXX XXXX. 

On XX/XX/XXXX, I received a text from XXXX XXXX telling me the originating flight was cancelled. A follow-up call to XXXX revealed that XXXX XXXX was no longer offering that flight and no other arrangements could be made through them that would get me to XXXX in time to make my connection. 

As is my right when an airline cancels a flight for their internal reasons, I chose to cancel my reservation. 

I contacted PenFed through its agent ( identified in email as XXXX XXXX ). My points were restored, and I received an email on XX/XX/XXXX, asking me to provide EFT information so they could send me the funds due me. 

XXXX XXXX operates as a subsidiary as one or more of the following XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX : XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Its now a month later and more than XXXX months since XXXX cancelled my flights and I requested a refund from PenFed. 

All of the agents operating in this matter were doing so under the aegis of PenFed rewards. Its time for PenFed to accept responsibility and refund my money.
Consumer complaint received 2024-07-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

There is a collection account in my report that i don't recognize and its creditor. This is fraud and i want it to be removed as soon as possible. I have the right to have an accurate reporting per FCRA. Please remove it : XXXX XXXX XXXX account # XXXX date opened XX/XX/year> 2022
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

It's troubling to realize that my consumer rights are being disregarded. My credit score is important to me, just as it is to everyone else, and the inaccuracies in my credit report have harmed both my financial prospects and my XXXX XXXX. I've been attempting to address this for a while now, but my requests to correct these issues and address my concerns about the inaccuracies in my credit report have consistently been ignored or dismissed.
Consumer complaint received 2024-07-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NC)

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 2024-07-03
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (TX)

I am filing a complaint with the Consumer Financial Protection Bureau regarding a collection account ( XXXX account number XXXX ) on my credit report. Despite multiple requests for verification, I have been denied information about this account. According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or unverified information on their credit reports. Under FCRA Section 611, if a consumer disputes an item and the creditor can not verify the information within a reasonable time frame, the item must be removed from the credit report. Therefore, I request that this account be promptly removed from my credit report due to its unverified status, as per FCRA regulations.
Consumer complaint received 2024-07-03
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. (TN)

My account with XXXX XXXX XXXX XXXX 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 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. 


XXXX XXXX XXXX XXXXNever 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 XXXX 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 2024-07-03
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)

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.

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 inructions 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. 

These are the inquiries which should be off from report.
Consumer complaint received 2024-07-03
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. (MT)

I, XXXX XXXX, never gave ( XXXX, Experian, or XXXX XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. You also do not have any permissible purpose to furnish my personal information to any third party. 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-03
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)

This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided insection 1681g ( a ) ( 5 ) of this title, aconsumer reporting agencyshall not furnish to anypersonarecordof inquiries in connection with acreditor insurance transaction that is not initiated by aconsumer.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

I am filing a complaint to XXXX account number : XXXX I am not liable for this account nor have any wear about this company. They have removed this account previously and has been reported again. Please remove immediately. Show steps that were taken to verify its mine. Including my signature and ID shown at time of account opening.
Consumer complaint received 2024-07-03
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. (PA)

[ Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Dear Sir/Madam, I am writing to formally request your assistance in resolving an urgent matter regarding erroneous information on my credit report, which is severely affecting my financial standing and potential future employment. 

Despite multiple attempts to address this issue directly with the XXXX XXXX XXXX and XXXX XXXXXXXX XXXX through email and letter, the matter remains unresolved. Specifically, two delinquent accounts are listed on my Experian credit report under these institutions. I have no knowledge of ever applying for or holding credit cards with either of these banks.

I am a victim of identity theft, and my personal information was exposed during the XXXX breach. Since then, I have received numerous notifications about accounts being created without my consent. To mitigate further damage, I have frozen my credit report and informed Experian of my identity theft status. 

In a recent conversation with a representative from XXXX XXXX XXXX, it was confirmed that no account exists under my name within their records. Despite this confirmation, the erroneous account remains on my credit report. 

I respectfully request the immediate removal of the following accounts from my credit report : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The presence of these accounts, which were opened without my permission, is not only inaccurate but also unjustly damaging my credit score and hindering my employment opportunities.

Given the critical nature of this situation, I urge your office to intervene and ensure that these inaccuracies are promptly corrected. I request that the involved institutions be directed to contact Experian immediately to delete these erroneous accounts from my credit report. 

Please provide written confirmation once the necessary corrections have been made. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-03
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. (PA)

[ Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Dear Sir/Madam, I am writing to formally request your assistance in resolving an urgent matter regarding erroneous information on my credit report, which is severely affecting my financial standing and potential future employment. 

Despite multiple attempts to address this issue directly with the XXXX XXXX XXXX and XXXX XXXXXXXX XXXX through email and letter, the matter remains unresolved. Specifically, two delinquent accounts are listed on my Experian credit report under these institutions. I have no knowledge of ever applying for or holding credit cards with either of these banks. 

I am a victim of identity theft, and my personal information was exposed during the XXXX breach. Since then, I have received numerous notifications about accounts being created without my consent. To mitigate further damage, I have frozen my credit report and informed Experian of my identity theft status. 

In a recent conversation with a representative from XXXX XXXX XXXX, it was confirmed that no account exists under my name within their records. Despite this confirmation, the erroneous account remains on my credit report. 

I respectfully request the immediate removal of the following accounts from my credit report : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX The presence of these accounts, which were opened without my permission, is not only inaccurate but also unjustly damaging my credit score and hindering my employment opportunities.

Given the critical nature of this situation, I urge your office to intervene and ensure that these inaccuracies are promptly corrected. I request that the involved institutions be directed to contact Experian immediately to delete these erroneous accounts from my credit report. 

Please provide written confirmation once the necessary corrections have been made. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX