davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-19
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. 

XXXX ) XXXX  Account number : XXXX XXXX ) Attorney General Account number : XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX ) XXXX  XXXX Account number : XXXX XXXX ) XXXX XXXX XXXX Account number : XXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the Fair Credit Reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681 ( i ) 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information information. 
( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ij ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 U.S.C 1681 ( s ) 2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-08
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. (DC)

Hi, i am submitting this XXXX XXXX XXXX this isn't under any influence of anyone else and this is not third party. The three major credit bureaus are showing low and inaccurate credit scores and repots for me in their system. I have complained to these credit bureaus for over 60 days. I spoke to representatives from each. XXXX ( XXXX XXXX, Equifax ( XXXX XXXX, XXXX ( XXXX ) from the fraud departments. I asked to speak to Us rept but they refused and/or had me on hold for hours. I do not why they chose to abuse me. They are supposed to be protecting and helping their consumers. Please help me as i am extremely FRUSTRATED.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

My account with 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 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 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 2023-10-28
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 Experian Account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MS)

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. Account name : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX 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 an 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 2024-07-07
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: EQUIFAX, INC. (NV)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receiptXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-19
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)

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! I will never stop filing complaints against you because I know my rights! 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. 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 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OK)

I have provided all four pieces of information and expect these listed accounts to be deleted and blocked within four business days of your receipt of this notice ; otherwise, you are in violation of my rights under the FCRA once again! If you do not initiate an investigation regarding my dispute and delete this information within 4 business days of receiving this notice per 15 USC 1681c-2, as is my right under the FCRA, I will have to take legal action to protect my credit rating and myself. Each violation of the FCRA allows for damages of {$1000.00} should this matter be brought to court. 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) essentially states that if a person willfully violates any requirement of the FCRA with respect to a consumer, they are liable to that consumer for any actual damages suffered as a result. If actual damages can not be determined, the consumer can still receive statutory damages ranging from {$100.00} to {$1000.00}. This provision ensures that consumers are protected and have recourse if their rights under the FCRA are willfully violated.
Consumer complaint received 2024-06-19
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)

Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX Account Number : XXXX XXXXDEPT OF ED Account Number : XXXX XXXXDEPT OF ED Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX these accounts have violated my rights. 15 U.S.C. 1681 section 602 A states that I have the right to privacy. 15 U.S.C. 1681 Section 604 A section 2 ; it also states that the consumer reporting agency can not furnish an account without my written instruction. 

I would like this agency to provide me with proof of my written consent for these accounts to be furnished. I would like to be provided with my original contract and signature, and proof within that documentation that states Im consenting for this to be furnished.

If proof can not be provided within 30 days of my request ; I demand these accounts to be deleted immediately from my credit reporting.
Consumer complaint received 2024-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

Deletion of DEPT OF JUSTICE Child Support Account Dear XXXX Legal Department, Upon reviewing my credit report, I have found that there are multiple child support accounts listed, specifically : Account Name : DEPT OF JUSTICE Child Support Account Number : # XXXX Account Number : # XXXX Account Number : # XXXX Based on the following case law, child support accounts are not credit transactions and should be treated as judgments : Maria E. Pintos v. Pacific Creditors Association , Experian Information Solutions , Inc .

Case : No. 04-17485, D.C. No . CV-03-05471-CW Date : 9/21/2007 Court : 9th Circuit Court of Appeals Kevin D. Miller v. Trans Union LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX 

Case : 1:06-cv-02883 Date : 2/28/2007 Court : N.D. Illinois Kenneth McCready vs. Linebarger Goggan Blair & Sampson , LLP , et al .

Case : 06 C 4884 Date : 8/15/2007 Court : N.D. Illinois These cases indicate that child support accounts should not be reported as credit transactions. According to these rulings, unless advised otherwise, XXXX must comply with this legal interpretation. This means that TRANSUNION reports can only be obtained for collection purposes when collecting on an obligation arising from a credit transaction, or where there is written authorization from the consumer or a court order. 

For collectors of delinquent child support debt, judgments, fines, or liens, the following must be in hand : A court order authorizing a consumer reporting agency to provide a consumer report, A written authorization from the debtor to obtain a consumer report, or A contractual agreement with the consumer that constitutes a credit transaction under law. 
I am not seeking " VERIFICATION '' of these accounts ; I am requesting their deletion based on the cited case law and the fact that these accounts did not originate from a credit transaction. 

Please promptly delete these accounts from my credit report and provide confirmation of their removal. Thank you for your attention to this urgent matter. I look forward to your timely response.
Consumer complaint received 2024-07-08
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: EQUIFAX, INC. (CA)

I had recently been lucky enough to have a friend put me as an authorized user on his XXXX XXXX, this XXXX XXXX has a {$18000.00} limit with a XXXX balance and was opened in XXXX, my credit score at the time was starting to go up it was about XXXX and I was placed as a authorized user about a week after that. Once it went through and the credit bureaus picked it up and accounted for it, I believe they unfairly and for no reason that they could explain or anybody else for that matter, dropped my score XXXX points instead of increased it. This card was triple my current credit limit, it was XXXX times my credit age and it should have increase my score quite a bit but there's absolutely no other indication that anything else happened, no closed accounts or anything strange in a long time, and most definitely not on the day they factored in this severe drop, so I called the credit Bureau in question ( XXXX ) and I asked them what's going on. The gentleman could not explain it, he could not find any reason for it and he even mentioned that it's probably just a malfunction within the system. My credit utilization has been at 3 % and I have been paying all of my bills and trying my darndest to save my family 's legacy with a auto repair shop that is struggling severely that was opened in XXXX by my grandfather. I have done everything I can to appease the bureaus but no matter what I do it seems to go back the other way and most of the time they can't explain it, what I'm asking for is to please look into my credit score as a whole because I feel like I have been unjustly prejudiced against from past grievances, As if a higher credit Limit and XXXX times the credit age is somehow a negative. I used the bureau 's simulator to see what I would have to do to get a score drop that's severe of XXXX points and I would have had to have claimed bankruptcy for it to even to get close and it still wouldn't be XXXX points. I believe it was supposed to go up XXXX points from getting that card not down XXXX. There's nothing else that happened that day nothing came in that was new as far as a closed account or any type of derogatory, I had multiple professionals check my report and I went over it with a fine tooth comb XXXX times myself to see what was going on and why this drop when it should have been going up, but it was only that card that was added which was supposed to be a huge positive for me, I was going to be able to apply for a XXXX loan and save my father 's company, Instead we're about to lose everything if this doesn't get fixed soon and I start getting treated fairly by these credit bureaus.
Consumer complaint received 2023-06-15
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)

XXXX, Experian and XXXX all protect the business not the consumer, nor do they educate the consumer on the fake fico score the report to the councumors. What ever credit report should be notified to the consumer so they know the false derogatory statements presented buy fico and the three agencies. My complaint is against revamping the three credit reports to show true time fico scores others get not a feel good worthless score that does nothing for the customer. Under the privacy information act we are entitled to information you share with other companies as to the tack report you provide the cunsumer.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OK)

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 2024-07-08
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: EQUIFAX, INC. (MD)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX Stated in the letter attached that they verified the Bankruptcy from a 3rd party ( Pacer ) Lexis Nexis and Pacer has the incapability to verify information unless they have first hand knowledge of an alleged debt or account. As you will see in my evidence directly from the Clerks office stated they do not provide any credit reporting agencies with any information. XXXX no XXXX XXXX can not validate or verify any information that is not directly being verified or validated by the original creditor. 



Please investigate the unlawful practice of XXXX XXXX and there methods of conducting investigations as the accuracy of reporting information. They are clearly not properly following the FCRA regulations as it pertains to the Privacy a consumer has a right to, and also they do not have permissible purpose or written consent.
Consumer complaint received 2024-06-19
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. (FL)

I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never giving proper disclosures or the ability to optout of my info being shared. I have not benefited from any of these transaction. I believe I am a victim of Identity theft. Please block, delete and remove them immediately from my consumer report. 
Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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. 

Also, they aren't even in compliance with Metro 2 credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; Collections : XXXXXXXX XXXX XXXX XXXX {$7500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX {$550.00} XXXX XXXX - XXXX {$8700.00} XXXX XXXX XXXX - XXXX {$6000.00} XXXX  XXXX - XXXX {$1300.00} XXXX  XXXX - XXXX {$350.00} XXXX  XXXX - XXXX {$1600.00} Accounts XXXX XXXX - XXXX {$320.00} XXXX - XXXX XXXX  - XXXX {$100000.00} XXXX  - XXXX XXXX XXXX  - XXXX {$3600.00} XXXX - XXXX {$520.00} XXXX XXXX XXXX - XXXX {$6500.00} XXXX XXXX XXXX - XXXX {$20000.00} XXXX XXXX - XXXX {$22000.00}