davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am challenging these accounts for being inaccurately reported on my credit file and requesting an investigation. According to the Fair Credit Report Act, I should receive {$1000.00} for each erroneous report. I know FCRA 605B requires us to report any inaccuracies in consumer reports.
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

My account with the XXXX XXXX and i 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 MONTHS REPORTING LATE to be removed.

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

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

This company 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 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I am taking action to dispute and investigate these accounts as they are being wrongfully reported on my credit file. Under the Fair Credit Report Act, I am entitled to {$1000.00} for each incorrect entry. I understand that FCRA 605B mandates reporting any incorrect accounts on a consumer 's report.
Consumer complaint received 2024-07-07
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)

n accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 


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
Consumer complaint received 2024-06-14
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)

On XX/XX/XXXX I disputed inaccurate credit reporting to both XXXX and XXXX. XXXX XXXX XXXX collecting on behalf of XXXX XXXX XXXX is reporting a balance of {$1000.00} however, a recently make a payment of {$530.00} directly XXXX XXXX XXXX via XXXX XXXX on XX/XX/year>.
Consumer complaint received 2024-09-02
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. (GA)

I recently reviewed my credit report and noticed an account that was not reporting accurately, i had a late payment on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates XX/XX/year> ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-06-14
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. (PA)

An accordance with the fair credit reporting act. ( XXXX XXXX XXXX ) ( Acct # XXXX ) and Experian are in violation of my rights. The Fair credit reporting act. code 15usc1681 section 602a states I have the right to privacy. The fair credit reporting act. states any information on my credit report or credit file should remain private. Also 15usc 1681 section 604a section 2 states a consumer reporting agency can not furnish any information about the consumer without written instructions from the consumer and the consumer consent. Even if they telling me the information is verified, I did not give any XXXX consent to furnish my consumer info on my credit report or credit file. 
I also contacted Experian and XXXX XXXX XXXX on XX/XX/year> asking them for documents containing my signature and showing that I gave them consent to furnish any consumer information about me on my credit file or report. I spoke with an XXXX ( Agent ) and his ( Supervisor ) XXXX from Experian. Neither customer rep. gave me there id number or last name. I was told by XXXX XXXX  and then XXXX after ask to speak to a supervisor that Experian were not in violation of my rights and that the information was accurate. I was then told experian does not send proof of the verification or the original contract. I also stated that they must remove this from my credit report and credit file if they can not fulfill my request. I asked for the original contract and any documents that had my signature of consent for them to furnish this information on my credit report. I also ask for documentation containing my signature and the original contract with the date of when I applied for the General car insurance. Once again I was told that they dont need to send me documentation. The information is affecting my credit score and credit file causing me to get denied business and personal lines of credit.
Consumer complaint received 2023-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (GA)

I opened a dispute with the bank because my debit card information was stolen and used without my permission or authorization over the internet the dispute was open XX/XX/XXXX chime bank / XXXX XXXX did not properly investigate my concerns they just denied my claim I included a ftc report which is from the fraud victim assistance department, bank statement showing me purchasing a new phone, & also a new phone number was updated, and proof that XXXX had to refund me my money because it was used on XXXX also. It was filed on XX/XX/XXXX and denied on XX/XX/ XXXX XXXX XXXX
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I have identified these items on my credit report that are a result of XXXX XXXX. These items are not related to any transactions completed by me. 
The items are as follows : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX as well as the Hard Inquiry listed from : XXXX. I am requesting the immediate removal and/or blockage of all listed items. Each of these companies listing these transactions have already violated my right to be notified of the debt and my right to dispute the debt by just attaching themselves to my credit profile.
Consumer complaint received 2024-06-14
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. (FL)

I was utterly shocked and devastated upon discovering unauthorized credit inquiries made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, present evidence of explicit authorization for each inquiry, disclose all communication exchanged, share internal records, confirm identity verification measures, and demonstrate compliance with relevant laws.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My account with the company and i 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 MONTHS REPORTING LATE to be removed.

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

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

This company 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 2024-06-14
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. (SC)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-06-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (OH)

30 days ago I sent a letter to XXXX that I was concern about the validity and accuracy of there investigation, of the accounts of XXXX XXXX  # XXXX. XXXX XXXX # XXXX ) XXXX XXXX  # XXXX ) XXXX XXXX # XXXX that these accounts are not reporting LEGALLY. I received a response letter stating that your investigations was completed, PLEASE EXPLAIN TO ME WHAT YOUR REPRESENTATIVES UNCOVERD ) HOW YOUR INVESTIGATION WAS CONDUCTED AND WHAT LEAD THEM TO BELIEVE THAT THE ITEMS ARE REPORTING LEGALLY ON MY CREDIT REPORT # 1 ) WHAT CERTIFIED DOCUMENTS WERE RECEIVED TO CONCLUDE YOUR INVESTIGATION ) PLEASE PROVIDE ME A COMPLETE COPY OF ALL INFORMATION OF YOUR INVESTIGATION THAT WAS TRANSMITTED TO THE DATA FURNISHER, AS PART OF YOUR INVESTIGATION, WHAT DID IT COST YOUR COMPANY TO OBTAIN THE DOCUMENTS. NEEDED TO COMPLETE YOUR INVESTIGATION. PLEASE PROVIDE PROOF OF YOUR TIMELY PROCUREMENT OF CERTIFIED DOCUMENTS. AND DID YOU DIRECTLY SPEAK TO ANY AGENT.THAT WAS REPORTING THE ACCURACY THAT YOU ARE REPORTING IF YOU REPLY YES TO THE ABOVE WHO DID YOU SPEAK TO? WHAT WAS THE DATE AND TIME.HOW long WAS THE CONVERSATION WHAT WAS THERE POSITION. WHAT NUMBER DID YOU CALL I REQUEST A NOTORIZE AFFIDAVIT CONFIRMING THE INFORMATION PROVIDED IS TRUE AND CORRECT UNDER FEDERAL LAW IF YOU ARE NOT ABLE TO PROVIDE THIS INFORMATION REPORTING ON MY CREDIT REPORT PLEASE DELETE AND SEND ME A COPY OF MY CREDIT REPORT
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I requested investigation through the original creditor, XXXX XXXX regarding account number XXXX because they stated that I owed the amounts of {$18000.00}, {$17000.00} and most recently a settlement amount of {$14000.00}. They have inaccurately reported these amounts, which is a violation of FDCPA. I have been working with XXXX diligently since XXXX of XXXX these amounts corrected and removed from my credit report. I requested record of payments, purchase contract to compare payments. At this time, I was working with XXXX ( a representative ) who stated that I would have to send in a letter for reversal. Who was not able to assist me. According to 15 USC 1681 ( 5 ) creditors are supposed to modify accounts that arent reporting correctly. I have made 1 recent attempt to have this account removed dated XX/XX/XXXX along with other accounts that violate FDCP consumer laws.

15 U.S.C 1681 section 602 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681s-2. ( a ) ( 1 ) : states a person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also, they are not in compliance with Metro 2 reporting. I have evidence to prove my case.
Consumer complaint received 2023-11-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Affirm Holdings, Inc (FL)

I have provide with Document should be sufficient to investigate XXXX XXXX to Settle the Account i have sent a copy of the contract payment record and loan information and before the final payment scheduled for XX/XX/30 in the amount of XXXX I notice that the Account was transfer Back to Affirm all payments have been made as agreed XXXX have fail to complete the Settlement agreement and i have provide with all evidence needed Thank you. XXXX XXXX
Consumer complaint received 2024-06-14
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)

This account was charged off on the following date : XX/XX/year>. Since then, the date of the last activity has been inconsistently updated. On Experian, the last active date is XX/XX/year> and on XXXX it's XX/XX/year>. If the information comes from the original creditor the date should be the same. We can not say these accounts are 100 % accurate as it is INACCURATE. Please delete this accounts from my credit reports. 

Acct name : XXXX XXXX Acct # : XXXX
Consumer complaint received 2024-06-14
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. (IA)

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 information is inaccurate.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 


Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name_XXXX Date XXXX Account Number XXXX Reason for dispute__IDENTITY THEFT Account Amount XXXX
Consumer complaint received 2024-06-14
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)

These accounts are charged off and since then the accounts has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate these account properly after i asked you to do it twice and your neglect has violated my rights. I am demanding a deletion of the following accounts : Acct name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-14
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. (NY)

Late notations on my account have never been a common occurrence as I am a responsible and punctual payer. I kindly request your understanding regarding the late remarks on my report, and I am committed to settling them as agreed. I aim to clear all the late remarks on my report, and I am eager to maintain a positive record with you.