davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (WA)

Chase bank branch XXXX XXXX XXXX XXXX, XXXX, Wa. XXXX. My wife and I have had a safe deposit box at this branch for over 5 years with no problems. A recent letter from Chase stated there was an ownership problem. It turns out the bank lost the signature cards for two cosigners ( our sons ) and needs them to show up in person to redo the signature cards. One of the cosigners lives XXXX miles away and had to be brought up initially to personally sign his signature card. Now the bank expects us to bear the expense of bringing him back to undo their error. I have been to the bank branch and called their customer service and each says they can do nothing to resolve the problem.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MI)

Unable to contact the company and speak to an individual ( verse the automated machine ) to be able to get my questions answered and resolve my fraud issues. Initial attempt was on the weekend, but also during business hours during the week. It is a monopoly that I am locked into using them and because of that they need to be able to field my issues with the information they have access to of mine.
Consumer complaint received 2022-09-05
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. (TX)

In accordance with the fair credit reporting act, XXXX XXXX has violated my rights. 

15 USC 1681 Section states I have the right to privacy.

15USC 1681 Section 604 A Section 2 : It also states consumer reporting can not furnish an account without my written instructions.

15 USC 1666B a credit may not treat a payment on a credit card account under an open-end consumer plan as late for any person.
Consumer complaint received 2024-09-05
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. (CA)

To Whom It May Concern, I am writing to express my deep concern and disappointment regarding the accuracy of information on my credit report. Despite previous communication, your agency has failed to demonstrate due diligence in ensuring that the reported items comply with 15 U.S.C. 1681i ( 7 ) regarding the Method of Verification. As mandated by 15 USC ( 6 ) ( B ) ( iii ), I am requesting a detailed description of the reinvestigation process your agency used to verify the accuracy of the disputed items on my report. This description must include : 1. The name and address of the information provider ( s ) contacted 2. The telephone number of each provider, if reasonably accessible 3. The name of the individual who verified the dispute 4. Valid documentation that was used to substantiate the continued reporting of these items This information must be provided within 15 days from the receipt of this letter, as required by law. Additionally, I have previously notified your agency that I am a victim of identity theft related to a data breach. I have filed a formal FTC report ( enclosed ) and demanded the immediate removal of all fraudulent information from my credit report, as required under 15 USC 1681c-2 ( c ) ( a ). Your agency is legally obligated to block and remove any alleged identity theft information within 4 business days of receiving a complaint that meets the necessary criteria.

Despite this clear request, the following inaccurate item remains on my credit report : XXXX  - XXXX Misleading and False Reporting. ** This item has never been validated, and no supporting documentation has been provided to confirm its accuracy. If this item can not be proven valid, it must be immediately deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX Misleading and False Reporting. ** This item has never been validated, and no supporting documentation has been provided to confirm its accuracy. If this item can not be proven valid, it must be immediately deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX  Misleading and False Reporting. ** This item has never been validated, and no supporting documentation has been provided to confirm its accuracy. If this item can not be proven valid, it must be immediately deleted. 

XXXX XXXX XXXX XXXX  Misleading and False Reporting. ** This item has never been validated, and no supporting documentation has been provided to confirm its accuracy. If this item can not be proven valid, it must be immediately deleted. 

XXXX XXXX - XXXX Misleading and False Reporting. ** This item has never been validated, and no supporting documentation has been provided to confirm its accuracy. If this item can not be proven valid, it must be immediately deleted.
Consumer complaint received 2024-09-05
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)

To Whom It May Concern, This serves as a final demand for your agency to provide a full account of the steps taken to ensure the accuracy of the items on my credit report, under 15 U.S.C. 1681i ( 7 ). Specifically, I require a detailed description of your reinvestigation procedure, including the business name, address, and phone number of any furnisher of information contacted, as well as any documentation used to validate the information under 15 U.S.C. 1681i ( 6 ) ( B ) ( iii ). This information must be provided within 15 days of this request. I previously informed your company that I am a victim of identity theft and the XXXX XXXX breach, and I filed a formal FTC Identity Theft Report, which is attached. Despite my explicit demand to block and remove all fraudulent information from my credit report, you have failed to comply, leaving the following fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this account immediately! 

XXXX XXXX XXXX XXXX XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this account immediately! 

XXXX XXXX XXXX XXXX XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this account immediately! 

XXXX - XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this account immediately!
Consumer complaint received 2024-09-30
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. (NY)

Re : Demand for Removal of Late Payments and Collections Due to Identity Theft/ Data Breach under FCRA ( 15 U.S.C. 1681 ) and FACTA 605B To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of late payments, collections, and debt collections on my credit report related to the above-referenced account ( s ). These derogatory marks are a direct result of identity theft, following a data breach that compromised my personal information, including my Social Security number. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( 605B ) and related statutes, I demand immediate correction of these inaccuracies.

A breach of my private data constitutes identity theft under federal law, and it is your obligation to cease reporting any information that was the result of fraudulent activity. You have no legal basis to continue reporting these negative items on my credit report as I have not authorized these transactions. 

Under 15 U.S.C. 1681, I demand : 1. Immediate removal of all late payments, collections, and any debt-related information falsely attributed to me.

2. Correction of all payment status information to reflect Paid as Agreed or similar verbiage, erasing any mention of delinquency. 
3. Confirmation in writing within 30 days that these inaccurate entries have been deleted or corrected on my credit report. 

If you fail to comply with this demand, I am prepared to escalate this matter by filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and any other relevant authorities, as well as pursuing legal action for damages under the Fair Credit Reporting Act. 

I expect your immediate attention to this matter and full compliance with the law. Failure to act promptly will result in further action to protect my rights under federal law..
Consumer complaint received 2024-09-05
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. (KY)

Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( 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 know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Consumer complaint received 2024-09-05
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 Experian 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.

Experian 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 2023-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (TX)

Between XX/XX/2023 and XX/XX/2023, I was either in XXXX or traveling between XXXX and the United States. On XX/XX/2023, an email Weekly Account XXXX notification was received that reported no new posted account activity. On XX/XX/2023, multiple account email notifications were received that reported : 1 ) {$900.00} had posted to the account 2 ) Six ( 6 ) transactions had posted to the account These transactions were fraudulent. When I saw these email notifications, I immediately logged into the Barclay XXXX website and locked the credit card on XX/XX/2023 and received an email notification to confirm that the card had been locked. I then began the process of notifying Barclay, the vendors listed in the transactions, and the XXXX XXXX Police Department about the fraudulent activity. 

Of the six ( 6 ) total transactions, five ( 5 ) transactions were removed from my statement, but one ( 1 ) transaction for {$290.00} remained, with Barclay claiming that this was a valid transaction even though it was and is fraudulent. I closed my card with Barclay, but they want me to pay this fraudulent charge. 

I submitted an appeal with Barclay on XX/XX/2023 over the phone, where they verified that the address used in this transaction is not and has never been associated with me or my account. I also faxed a number of documents and signed statements to attest that the address and charge are not mine and to provide evidence that I was not even in the country at the time. 

I was told that a decision would be made in 7-10 days. Well after 10 days had passed, on XX/XX/2023, I called Barclay to verify the state of the appeal and was told it would take another 7-10 days, which would require me to pay the fraudulent charge due to the statement due date. 

I think Barclay is intentionally dragging this out to force me to pay the charge or ruin my credit, at which point they'll use the payment to conclude that the charge is not fraudulent even though it is.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

I just looked at my consumer credit report from Experian XXXX XXXX, XXXX. I saw some hard inquiries on my credit report that did not have permissible purpose. I also attached the evidence XXXX. [ XXXX XXXX XXXX XXXX XX/XX/XXXX ] : Delete this hard inquiry because it doesnt have permissible purpose according to 15 USC 1681 B XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Delete this hard inquiry because it doesnt have permissible purpose according to 15 USC 1681 B XXXX. [ XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ] : Delete this hard inquiry because it doesnt have permissible purpose according to 15 USC 1681 B XXXX. [ XXXX XXXX XXXXXXXX - XX/XX/XXXX ] : Delete this hard inquiry because it doesnt have permissible purpose according to 15 USC 1681 B XXXX. [ XXXX XXXX XXXXXXXX - XX/XX/XXXX ] : Delete this hard inquiry because it doesnt have permissible purpose according to 15 USC 1681 B XXXX. [ XXXX XXXX - XX/XX/XXXX ] : Delete this hard inquiry because it doesnt have permissible purpose according to 15 USC 1681 B XXXX. [ XXXX XXXX - XX/XX/XXXX ] : Delete this hard inquiry because it doesnt have permissible purpose according to 15 USC 1681 B XXXX. [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] : Delete this hard inquiry because it doesnt have permissible purpose according to 15 USC 1681 B XXXX. [ XXXX XXXX XXXX  - XX/XX/XXXX ] : Delete this hard inquiry because it doesnt have permissible purpose according to 15 USC 1681 B XXXX. [ XXXX XXXX - XX/XX/XXXX ] : Delete this hard inquiry because it doesnt have permissible purpose according to 15 USC 1681 B XXXX. [ XXXX XXXX XXXX - XX/XX/XXXX ] Delete this hard inquiry because it doesnt have permissible purpose according to 15 USC 1681 B XXXX. [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] : Delete this hard inquiry because it doesnt have permissible purpose according to 15 USC 1681 B XXXX. [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Delete this hard inquiry because it doesnt have permissible purpose according to 15 USC 1681 B
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

My account with EXPERIAN 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.

EXPERIAN 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