davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (NV)

I am writing to formally request a removal of any eviction record associated with my name which I believe is inaccurate or unjustified. 
XX/XX/2024 Under the Fair Credit Reporting Act ( FCRA ) I have the right to dispute any inaccuracies in my consumer report I believe this eviction is erroneous for reasons I never lived at apartment in question. I request you investigate matters and remove any and all records associated with my name from your records and data base.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (SC)

" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim.

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Consumer complaint received 2024-09-28
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : U S DEPT OF EDXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : U S DEPT OF ED/XXXX Account Number : XXXX and list of Inquiries. 

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 2024-07-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (OH)

I consumer XXXX XXXX currently submitting a complaint against a debt collection company as i received an update of my consumer report of Credit Collection Service reporting a collection account on my consumer credit report ( XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX ). The reporting of this alleged debt they claim i owe violates federal law and my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ). I never given Credit Collection Service consent to have my personal information nor to report any alleged debt to the consumer reporting agencies which they have invaded my right to privacy pursuant to 15 USC 1692 ( a ). The alleged debt thats being furnished on my consumer report Violates the FDCPA 15 USC 1692e ( 2 ) ( A ) ( B ) as it is false and misleading representation as A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. I demand that Credit Collection Service remove this alleged debt immediately from my consumer report. In this complaint i am notifying Credit Collection Service pursuant to 15 USC 1692c ( C ) that I refuse to pay alleged debt and to CEASE & DESIST all communication with respect to such debt they're currently reporting. The term communication under the FDCPA means the conveying of information regarding a debt directly or indirectly to any person through any medium. The term " person '' means a natural person or organization. I demand that the following account be XXXX out and removed from my consumer report ( XXXX, XXXX, XXXX ) immediately as it results in a form of communication as you are in violation of title 15 chapter 41 under federal law of the Fair Debt Collection Practices Act. Please see attached removal letter sent to Debt collection company Credit Collection Service through the CFPB with this complaint. Do to Credit Collection Service being in VIOLATION OF THE LAW. The law SAYS under CIVIL LIABILITY 15 U.S. Code 1692k - Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ;.
Consumer complaint received 2023-12-24
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. (MS)

I made a complaint with XXXX, XXXX, and experian on XX/XX/2023 about the identity theft complaint regarding my credit report that is affecting my credit. The Information that i reported on XX/XX/2023 was supposed to be blocked and deleted within 4 business days from XXXXIt has been 10 days and is a violation of the FCRA and i am requesting it be deleted ASAP because it causing me suffering and harm.
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NV)

On XX/XX/XXXX, I sold my XXXX XXXX that I had financed wilt XXXX XXXX XXXX to XXXX XXXX in XXXX, NV. All payments were up to date and the total amount was paid off by XXXX at that time. On XX/XX/XXXX, I received a notification from Experian Identity Works that I had a major derogatory account change on my credit file reported by XXXX XXXX XXXX that my account with a balance of {$0.00} was 180 days past due. On the same day, my account was posted as paid in full. I called XXXX immediately and was told there was no notification of account past due on my file and that the account had been closed. I was directed to submit a dispute via email. I did so, including screen shots of of all activity posted on my credit report, as well as a screen shot of the online account showing all payments were up to date as of XX/XX/XXXX. I also included screen shots of my credit report showing completed payments for every month up to may where it suddenly states that my account is 180 days past due which is completely untrue. The same screen shot also notes that XXXX reported my last payment date as XX/XX/XXXX. I received no response to this dispute and called XXXX again on XX/XX/XXXX. The I was told by the customer service representative that I had to wait 30 days for information. ( She was SUPER rude about it and would not even tell me if a dispute showed on the account ). I asked to speak with a manager and was transferred to XXXX XXXX who was unable to find a dispute filed. She filed the information for me and attached all of my original information and screen shots. Ticket number XXXX. XXXX also dug into the account and noted that there are several months where auto-payments that had been made were them reversed by the company and I had been forced to RE-pay them in order to be current. She noted that this may be why the system thinks there is an issue. There was never a time where the payment was more than 30 days past due, even with these payment issues ( which were also THEIR fault due to their auto-payment system issues ). There is absolutely NO evidence that this information that was reported is valid. I sent 2 disputes through Experian which the company denied saying the information is correct. I then followed up with XXXX who gave me her personal email and phone number to contact for information. I have sent 2 additional emails and left multiple voice mails now that is it WELL past 30 days and have received no response. My credit score went down over XXXX points! I take my credit VERY seriously and this is an egregious error on the part of this company. Online research shows MANY complaints for similar and even worst reporting and issues with XXXX for other consumers.
Consumer complaint received 2024-09-28
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"
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: Experian Information Solutions Inc. (FL)

These accounts were charged off on the following dates : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>. Since then these accounts have repeatedly been reported as Charge Off every month. This is an update of the payment history. A Charge Off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. One two occasions youve failed to investigate these accounts thoroughly & your gross neglect has violated my rights. Im demanding deletions of the accounts listed below. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2024-09-26
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 addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-09-26
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. (NC)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (WA)

Applied for a mortgage thru XXXX. We understood they offered mortgage programs for XXXX XXXX XXXX applicants. Upon review of my application, XXXX, at XXXX pre-purchase counseling, had said : " XXXX XXXX XXXX ( 52 minutes ago ) to XXXX XXXX me Hello XXXX XXXX Looking at the information you provided I can see that our program for lending is not aligned with what you are looking for. I added a resource link below it provides information on other programs that you might qualify for. 
XXXX XXXX XXXXXXXX Best wishes, XXXX XXXX '' To which I responded : " XXXX, please provide the criteria for which you made this determination. If you do not, i will forward this entire conversation to the FTC. 
Thank you. '' Please explain to the CFPB the details of this decision, and why the link to XXXX? What is the specific " help '' suggested by providing a link to XXXX?
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.
Consumer complaint received 2024-09-27
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. (WA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westcreek Financial (VA)

XXXX XXXX reported inaccurate data and late multiple payments unlawfully according to fcra and Im seeking damages in the amount of {$1000.00} for each inaccurate unlawful report to the which I never authorized them to report on my credit file
Consumer complaint received 2024-09-28
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. (GA)

Personal Statement The XXXX  account has also been closed as a result of it being opened due to identity theft, if you havent done so please delete account. Please delete the following inquires XXXXXXXX XXXX XXXX ( XXXX and XXXX ), XXXX XXXX  ( XXXX and XXXX ) and delete the XXXX account listed on my credit report
Consumer complaint received 2024-08-21
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. (MS)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-26
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. (PA)

Subject : Dispute of Inaccurate Account Information XXXX XXXX XXXX Account Number XXXX. 
This is my third request to have this issue resolved, I am writing to formally dispute the inaccurate reporting of my account with PREMIER BKCRD/FIRST PREMIER on my credit report. Upon reviewing the account details, I have identified several discrepancies that violate my rights under the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ). I request that this account be removed entirely. Identified Discrepancies : Inaccurate Charge-Off Reporting : The account reflects multiple charge-offs dating back to XX/XX/XXXX through XX/XX/XXXX, despite being marked as paid in settlement. The FCRA requires accurate reporting, and ongoing charge-off statuses are misleading, misrepresenting the current state of the debt. Failure to Update After Settlement : Following the settlement of {$530.00} in XX/XX/XXXX, the account should no longer report as charged off. Under FCRA ( 15 U.S.C. 1681c ( a ) ), it is required that once a debt is settled, the account status must be updated accordingly. The lack of an updated status is inaccurate and unfairly portrays my financial obligations. Overlapping Negative Information : The account shows both past-due statuses and charge-off statuses within the same reporting periods, leading to potential confusion regarding my creditworthiness. According to FCRA ( 15 U.S.C. 1681e ), credit reporting must be clear and not misleading. This overlapping reporting harms my credit profile without justification. Misrepresentation of Payment History : The history of the account includes numerous charge-offs, which creates confusion about my payment obligations. The Truth in Lending Act ( TILA ) mandates clear disclosures, and this accounts reporting does not reflect the true nature of my payment history, thereby violating consumer protection standards. Negative Impact on Credit Profile : The ongoing negative reporting associated with this account has caused significant damage to my credit score. Under the FCRA, credit reporting must be fair and accurate. The presence of inaccurate charge-off statuses and multiple past-due reports unfairly damages my credit standing. Request for Resolution : Due to the inaccuracies outlined above, I request that this account be corrected to accurately reflect the paid settlement status or be removed from my credit report entirely. If this information can not be verified as accurate, it must be deleted, as mandated under FCRA ( 15 U.S.C. 1681i ( a ) ). Next Steps : I ask that you conduct a thorough investigation of this account and provide me with the results within 30 days, as required by law. If the inaccuracies can not be resolved, I expect the immediate removal of this account from my credit report. Additionally, I request a corrected copy of my credit report reflecting these changes.
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. (NY)

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.