davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-29
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 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 XXXX 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 2023-03-18
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: 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 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 2024-06-28
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. (IL)

The company is reporting Bankruptcy on my credit report and said they verified it they did not send me proof that it belongs to me, also who verified it, how it was verified after I sent a letter from the courts stating that they do not provide any credit bureaus with any information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reference Number : XXXX Reason : Unverified Bankruptcy
Consumer complaint received 2024-06-28
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. (CA)

The banking system is dependent upon fair and accurate consumer reporting, pursuant to 15USC1681 ( a ) ( 1 ). I noticed accounts that are on my consumer report ; 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 XXXXXXXX Pursuant to 15USC1681b, I am requesting to see in writing where I gave written instruction or permission to report this erroneous information on my Consumer Report. A consumer reporting agency may furnish a consumer report under the following circumstances and no other with the written instruction to whom it relates. You have defamed my character, my reputation, my worthiness, my standing, my capacity, and my mode of living. All of these violations are a direct violation of 15USC1681. No consent is identity theft and these violations are Aggravated Identity theft, pursuant to 18USC1028b ( 1 ) ( A ) ( ii ). 
You have knowingly transferred, possessed and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.
Consumer complaint received 2024-06-28
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 recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. 
I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-06-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

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 2022-09-06
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. (AR)

Ive sent multiple disputes to the bureaus and filed FTC consumer reports and have yet to rectify the situation at hand and the revolving issue of these fraud accounts and inquires on my report. Its has yet to be removed and I don't personally feel they are investigating my report. The files should be removed immediately : The files that need to be removed are the following : XXXX XXXX : XXXX : collection : Fraud XXXX XXXX XXXX XXXX : Collection : Fraud
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2024-06-28
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. (SC)

I have previously disputed with XXXX, Experian and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2024-06-28
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)

No nation was taken by XXXX XXXX  because According to FCRA section 605b it is illegal to report information on my credit report without my permission. Thank you please remove this from my credit report.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

GREEN V. Experian, will not comply, I have old addresses, I have address where I didn't live at, names spell wrong, USC 15 1681 602a I have a right to privacy,15 1681 604a I didn't give permission for any to have my report to view my report, I want to dispute, when disputing Experian suppose to remove the negative item but Experian don't want to remove the item, Experian, and the secondary credit reporting agency is doing what they want to do, I have the right for my credit report to look the way I want it to look,
Consumer complaint received 2023-06-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Atlanticus Services Corporation (MI)

Hello, XX/XX/XXXX : I secured a line of credit with Fortiva for cosmetic treatments ( www.myfortiva.com ). 
I was told if I paid in full by XX/XX/XXXX, there would be no interest or fees. I proceeded based on that promise. 

XX/XX/XXXX : I paid the account in full for {$4100.00} & received a confirmation of the payment via email. 

XX/XX/XXXX : I received a text that my payment was late, a {$30.00} fee was assessed. Confused, I logged in online to discover my payment was rejected. First I checked with my bank ( XXXX ), they said none of my payments had been returned & confirmed adequate funds available to cover the expense. Second, I used the chat feature to find out what was wrong ( chat history attached ). First they said the payment didn't go through. Then it was fraud. They couldn't help via chat & gave me a number to call to speak with a specialist. I called, XXXX, twice & got no answer & left a message. 

XX/XX/XXXX : I received an email. Basically saying they suspected fraud ( on a bill I'm trying to pay mind you ). I needed to wait 10 days for a suspension to be removed ( meaning I can't pay the bill ). 

XX/XX/XXXX : I received another statement showing additional fees. I called again & was given the run around about 10 days to wait. 

XX/XX/XXXX : I called again, insisted on speaking with supervisors. I was " disconnected '' twice, told the suspension would be removed, I could pay partial but not all, on & on, finally told a supervisor would call me back. I did try making the partial payment & was still given an error message as the suspension is still active, even after verification of my identity & ability to us the debit card on the same account. 

I have NEVER once received a call back I was NEVER notified of suspected fraud causing issues with my payment. 

If they can text & email every notification, then why is it they never notified me of the rejected payment? THEY are the ones who are fraudulent & predatory by intentionally creating barriers to payment in order to charge bogus fees. 

I'm happy to pay my legitimate balance owed of {$4100.00}. 
I'm asking to do so with all fees & interest removed ( {$130.00} now ) & any negative credit reporting is expunged. No one at the company seems to be able to speak with me to resolve this as I keep getting bounced around or told to wait ( for what Im still not sure as Ive provided proof of my identity ). Meanwhile they continue to add fees to my account while they ignore my desire to pay off the debt. 

Thank you for the help & for warning others.
Consumer complaint received 2023-03-18
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: WELLS FARGO & COMPANY (GA)

ATTACH TO COMPLAINT NUMBER XXXX I am not satisfied and have attached additional documentation against WELLS FARGO CARD SERVICES WELLS FARGO CARD SERVICES continues to damage me and crucify my credit score over a debt I settled by tender of payment back in XXXX. The debt is over XXXX years old, the statue of limitations is 7 years on a debt that has been settled by either discharge or settlement. I sent them a tendered offer in XXXX  and they kept it and never complained when they kept the settlement. I am tendered payment to these liars must I tender of payment again because they continue to act in dishonor and hold my credit report hostage. I have complained to the Consumer Financial Protection Bureau ( CFPB ) in the past numerous times yet you have done nothing to assist me. There is no justice in the United States of America and we the people are screwed from the bureaucracy! I want the CFPB to force Wells Fargo to abide by the Fair Credit Reporting Act as well as Fair Debt Collection Act. You are allowing them to XXXX  me financially after the seven year statute of limitations. WHEN DOES IT STOP! I HAVE SETTLED THIS DEBT AND TENDERED PAYMENT!!!!!!
Consumer complaint received 2024-06-28
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 recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. This information is injuring my consumer report and I request that you correct this information immediately. I assume 30 days is a reasonable amount of time for your investigation. After your investigation, please provide me with an updated credit report as well as the names, addresses and telephone numbers of the individuals that have been contacted. The information I am disputing is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-28
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. (VA)

I have previously disputed with XXXX, Experian and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2024-06-28
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. (PA)

I've recently checked my credit report it seems there are inquiries that I did not authorized to pull out my report. Hence, I'm not even familiar with it. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-21
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 recently check my credit report and notice some items that wasn't mines and i file an identity theft report and sent it to the three CRAs ( XXXX, XXXX, AND EXPERIAN ) USPS certified mail on XXXX XXXX and they received them on XXXX XXXX and by FCRA they have XXXX business days to block and delete the information. 
I have attach copies of the letters below and has been going through sleepless nights stressing because i keep getting denied for things i need to survive.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

I am disputing a credit issue related to my XXXX XXXX  Account. The account was initially set up for recurring payments of {$2400.00}, but on XX/XX/2023, XXXX issued a new payment amount of {$2400.00}, which resulted in the cancellation of the previous recurring payment. Unfortunately, the new payment was rejected by XXXXXXXX XXXX  payment system, causing two delinquent payments- one in XXXX and one in XXXX of 2023 - for the amount of {$2400.00}. 

Despite XXXXXXXX XXXX customer representative XXXX 's confirmation that delinquency notices were mailed to my property address, I did not receive any notices and suspect that they may have been misplaced, as this is a common occurrence in my building. 

I have a long history of consistent and timely payments to the mortgage holder, with no late payments and additional principal payments. I strongly believe that the delinquency related to this mortgage account is the result of technological errors and the United States Postal Service. 

I am kindly requesting that the credit reporting agencies waive the delinquency notice associated with my mortgage account, as it was not a result of any negligence on my part. I am confident that upon review, the credit bureaus will recognize my track record of responsible and timely payments, and that the delinquency was a result of unforeseeable circumstances. 

I would greatly appreciate your cooperation in resolving this matter, and look forward to your response. Thank you for your time and attention.
Consumer complaint received 2024-01-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I find it incredibly disheartening and infuriating that despite adhering to every protocol in disputing this account, I am met with an outrageous level of negligence and indifference. I've diligently followed the necessary steps : reaching out to the bank, involving law enforcement, and filing a report with identitytheft.gov. XXXX, in compliance with legal requirements, has promptly removed the account from my records. However, TransUnion seems to operate in an alternate reality, questioning my diligence in following procedures. This is the sixth complaint I've filed against them, and every time, I am met with the same absurd response, claiming the validity of the documents I've submitted is in question. I refuse to believe that the consumer laws and courts are so lenient that they render filing a lawsuit futile. Having endured this ordeal for over six months, I am at my wit 's end. TransUnion 's blatant disregard for the severity of my case is beyond comprehension. XXXX XXXX XXXX XXXX Date Opened XX/XX/2014 Balance {$0.00}. Let it be clear that I, the person submitting this complaint, am unassisted by any third party. I implore you to treat this matter with the urgency it deserves.
Consumer complaint received 2024-06-28
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 reaching out to inform you that I have been a victim of identity theft. Please consider this communication as a formal dispute regarding the following accounts. I have contacted all the companies directly and followed the necessary steps to address this issue. I filed an identity theft report with the FTC and have informed all the companies involved. Now, I am disputing the information that should not even be appearing on my file. Please assist me in resolving this matter promptly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-28
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)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.