davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-12
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

There are numerous inaccuracies on my account that aren't correct. I request proof of the late payments or demand that the incorrect inaccuracies are removed and marked paid to date. I have provided an attachment. Thank you in advance.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

Re : Dispute of Inaccurate Credit Information under 15 U.S. 1681e ( b ) and 15 U.S. 1681i ( a ) ( 5 ) Dear Sir/Madam, I am writing to dispute the following inaccurate information in my credit report. This information does not belong to me and is damaging to my credit profile. 

The disputed account information is as follows : - **Account Name : XXXX XXXX XXXXXXXX - **Account Number : ** XXXX - **Account Type : ** Unsecured - **Responsibility : ** XXXX - **Date Opened : ** XX/XX/XXXX - **Status : ** Paid, Closed - **Status Updated : ** XX/XX/XXXX - **Original Balance : ** {$270.00} - **Terms : ** 12 Months XXXX XXXX XXXX Payment History Discrepancies : - XXXX XXXX : ** 30 days past due - XXXX XXXX : ** 30 days past due - XXXX XXXX : ** 30 days past due - XXXX XXXXXXXX : ** 60 days past due - XXXX XXXX : ** 90 days past due This account and the associated negative payment history are inaccurate and are not reflective of my actual payment record. 

Under 15 U.S. 1681e ( b ), it is your responsibility to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Additionally, per 15 U.S. 1681i ( a ) ( 5 ), I request that you promptly delete this inaccurate information from my credit report. 

Please conduct a thorough investigation of this matter and delete the inaccurate account information immediately. Enclosed are copies of documents supporting my position ( e.g., statements, correspondence, etc. ). Please notify me in writing of the results of your investigation.
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

XXXX XXXX  after numerous attempts does not comply with fcra laws they deny any request to confirm missed payment and provide proper documentation even when I send them letters sayings it me with my id and address and Social
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I am writing to dispute the account referenced XXXX XXXX CO XXXX XXXX I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FCRA, I have contacted the creditor myself and have been unable to get them to verify that this balance and payment history is accurate. You are also reporting the date last active was XX/XX/XXXX when this is incorrect. The DLA is critical when dealing with the statute of limitations and I believe your company knows this and that is why you illegally updated the date last active. I dispute your claim and I am requesting that this is removed from my credit report. This account is also XXXX XXXX XXXX and should have been removed on XX/XX/XXXX which is another violation. Stop reporting this information on my credit report for failure to legally verify.
Consumer complaint received 2024-07-11
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. (AZ)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX there is some inaccurate information reporting XXXX Account XXXX : XXXX Please remove it from my credit report. 


2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2024-07-11
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)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX XXXX {$1900.00}
Consumer complaint received 2024-07-11
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)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate
Consumer complaint received 2024-07-11
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. (AZ)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-07-11
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. (FL)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-07-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MN)

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 2024-07-11
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. (NJ)

I need to inform you I was the victim of identity theft. I'm disputing the accounts as it was opened without my knowledge, consent or authority. I contacted the company and they said to file the FTC affidavit from the site XXXX. Please dispute the following accounts. It was opened without my knowledge, authority or consent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-11
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. (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 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. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 2024-08-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (TX)

I'm writing regarding a troubling issue with my credit file. I've noticed a collection entry from your agency that I was never notified about. I also have significant concerns about the validity of the claimed debt. Under the Fair Debt Collection Practices Act, I'm entitled to request debt validation. I formally ask you to provide the necessary validation and address this matter appropriately.
Consumer complaint received 2024-08-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have disputed a charge off of an account ending in XXXX with Capital One several times. I have requested that this account be removed from my credit report. Not only have I negotiated payment but I have also requested a 1099-C with no response to this request. Capital One has consistently refused to cooperate with my request. When a debt is charged off, the lender is to provide the consumer with a 1099-C. This is the result of the charge-off becoming income and income can not be reported as debt. 

Taxable income When a debt is settled after a charge-off, the difference between what you owed and what you settled for may be considered taxable income1. The IRS considers any canceled or forgiven debt as income, and you are required to report it on your tax return for that XXXX. Deeming an account a charge-off allows the creditor to write off the loss of the debt on their taxes, rather than count it as potential income4. The forgiven amount is treated as gained income, for which you should pay income taxes.

This reporting of a charge-off is inaccurate, which makes my reporting inaccurate. 
Per the 15 U.S. Code 1681e - Compliance procedures, section b states as follows : ( b ) Accuracy of report 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. 

I have been disputing this since XX/XX/year>. Please find attached my settlement letter, the email sent to XXXX XXXX XXXX, CEO of Capital One on behalf of the inaccurate credit reporting. I have also filed several disputes with XXXX, XXXX, and XXXX in reference to this inaccurate reporting and they have always come back verified. I have exhausted all measures of solving this on my own.
Consumer complaint received 2024-07-11
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. (NJ)

I recently reviewed my credit report from your bureau and am disputing the completeness and accuracy of the following information. This erroneous information is negatively impacting my report, and I request immediate correction. 

I believe 30 days is a reasonable timeframe for your investigation. After completion, please send me an updated credit report along with the names, addresses, and phone numbers of the individuals you contacted. 
The disputed information is : XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-07-12
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 have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-10-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (NJ)

I have an account with Robinhood and have over {$2000.00} in the account and they are not letting me withdraw it nor use it for reinvestment for a year now. I have contacted their customer support and they could not give me any explanation on why my account is restricted. They also have told me that they can close the account and own my money without any explanation. That is unacceptable.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

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 2024-07-12
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)

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 21 days before the payment due date. 

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 2024-07-12
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)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have reported to the Fraudent Utilization on my accounts and receive a automated email from this company at XXXX stating ( We received the fraud block request you recently sent to TransUnion. TransUnion takes cases of identity theft very seriously and investigates all such allegations thoroughly. However, TransUnion at this time declines to block the information you have identified because either the item reflected a history of previous payments made, a history of previous disputes, other than ownership, or was opened prior to when the fraud was reported to have occurred. 

Therefore, in accordance with Section 605B of the FCRA, we have determined that the block request may have been made in error ; is a misrepresentation of material fact relevant to the request to block and/or you have obtained possession of goods, services, or money as a result of the transaction. ) I am demanding a reinvestigation, as before when I had ask them to investigate they did not and I did my own investigation to find that my information was stolen and utilize by another individuals for several purpose and the companies were trying to hold me responsible. 
ONce again I would like for them to properly reinvestigate and remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
As stated in my request the information requested to be blocked was paid and done so in full until it was utilize by unauthorized persons, and the numerous errors placed on my account. I would like for you to reinvestigate and removal of this information according to the pursuant of section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. You continue to violate my rights in accourdance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, Please provide the names and business adress of each individual with whom you verified this information so I can once again personally follow up. Please send me a complete copy of my credit report after your reinvestigation.
Consumer complaint received 2024-08-02
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)

Hi, I am XXXX XXXX XXXX XXXX and I have been involved in Identity theft and I need help getting this negative accounts OFF my report immediately. My reputation is being affected by this inconvenience. I'm in the process of purchasing a home and I'm being denied for something that is not mine. Please HELP! I need these accounts remove ASAP.