davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-25
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)

RE XXXX XXXX XXXX XXXX  To whom it XXXX concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX Employer - XXXX XXXX  Employer - XXXX XXXX XXXXncorrect Previous Address : - XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX  XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX  - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION XXXX OF THE FAIR CREDIT REPORTING ACT. PER XXXX IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2024-06-25
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. (GA)

I have been identified as a victim of XXXX that has resulted in XXXX XXXX and affects my consumer report. As a XXXX of XXXX XXXX or XXXX XXXX, you have RIGHTS. Under the Fair Credit Reporting Act ( FCRA ) Section 605C, negative information on your Background Check attributable to trafficking may be BLOCKED from XXXX XXXX reports ordered by future employers, volunteer organizations and landlords.
Consumer complaint received 2024-06-25
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. (SC)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-25
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)

If there are any inaccuracies or incomplete information regarding my accounts, judgments, liens, balances, payment history, late payments, account history, or any other details in my credit report, I request that you promptly correct or remove those items from my credit file in accordance with the Fair Credit Reporting Act
Consumer complaint received 2024-06-25
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (MI)

received notification from XXXX XXXX that I had a Collection on my credit report. When i looked it showed I owed {$6900.00} to XXXX XXXX and it had been sent to Credence Resource Management for collection. I contacted XXXX and disputed the debt. Received letter today XXXX that Credence Resource Management is saying it is a valid debt and verified. Re-contacted XXXX and stated this is fraud and did not purchase. They stated to file fraud report to this website. The original XXXX  charge was dated in XXXX.
Consumer complaint received 2024-06-25
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. (GA)

I notify Experian about the inaccurate balance and payment history reporting wrong on my consumer credit report. The Experian customer service verify that my account I was dispute are investigations .I have sent out several letters prior before calling them serval time .This matter is very frustrating and also damaging my credit report. They're four credit card account that is reporting late payments which was never late and is pay off / good standing account.
Consumer complaint received 2024-08-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (MD)

I brought a used car finance by Wells Fargo Auto in XXXX XXXX. I also brought a XXXX  XXXX XXXX but later cancel the coverage because my car insurance was okay. I called and wrote XXXX lettera to get my mon ey back. XXXXXXXX XXXX XXXX told me they sewnd the money to Wells Fargo Auto. They said I must get the money from Wells Fargo Auto. Wells Fargo told me they will not give it back it is included in my monthly payment. I told then I cancelled the plan and I was told to do that and followed the instructions so I could get my money back... I told Well Fargo Auto that was not part of the car payment it was an additional protection plan that was voluntarily and I want my money back. They told me no. They owe me {$1500.00}. I paid {$1800.00} for the plan. Please help me get my money back.
Consumer complaint received 2022-12-04
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. (MI)

I recently sent a dispute stating that they are reporting inaccurate and unknown information on my credit report. To this day they still have not removed it and I am attaching proof that it is totally inaccurate reporting. I am furious this is still on my credit report. I also have been seeing big lawsuits against these guys which is a big concern and I am ready to file for litigation if they do not remove after this. They are violating multiple laws and I never heard of half of these accounts they are reporting nor gave them permission to put it on my report. 

I have pretty familiar with Fair Credit Reporting Act and consumer law and will list the violations. 

These are the accounts that still must be removed. 

XXXX. XXXX  XXXX Acct # : XXXX This account is not mine and it has different information across the bureaus and I am attaching proof. 

XXXX. XXXX Acct # : XXXX This account is reporting inaccurate information and must be removed. Proof attached XXXX. XXXX Acct # : XXXX Never even heard of this company and they are all reporting different information and it must be removed. XXXX attached XXXX. XXXX XXXX Acct # : XXXX This account is reporting inaccurate information and must be removed. Proof attached THESE ARE THE LAWS THEY ARE VIOLATING XXXX5 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.

I understand they are in a lot of heat right now and all I am asking is that they finally remove these unlawful accounts reporting so I can acquire credit as this is hindering me. I am filing with CFPB to document all of this if I have to file for litigation.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Karma (CO)

I received an email from Credit Karma that my email address was changed. It has been years that I even used Credit Karma and to receive an email from them that my email address was changed made me concerned. I wondered if the email was a scam because it was signed as " Cheers, Credit Karma Team ''. For something involving personal information and a company to end a letter with " cheers '' is highly unprofessional and too casual for business communications. 

I went to the credit karma site and tried to log in and it said I had no account with my email. They have no clear means of contacting them, but did see an online chat which I used. 
I explained the situation and they provided me with an email I have never seen before who my account was changed to. They said they would put a block on it and i would be hearing from them within the next 5 min in an email or phone call. This did not happen. 

What worries me is possible identity fraud and I'm checking everything carefully. 

Also, credit karma is owned by XXXX which also has XXXX, and other companies that handle people 's personal info and I'm concerned that there is a possible breach that will affect millions of people. I hope your organization can investigate and intervene as soon as possible to prevent further problems.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (AZ)

-The claim that they dont have enough information gor my disputes. 

I have soent a recorded XXXX hours just on the phone with these XXXX, and have wasted so much time gettting them documents andbthe information they request that I havent been able yo work in 13 months. 
But they dont have enough of what theyve asked for. 
I have literally been in the process kf sending them what theyve asked for the next day after heing on the phone for XXXX hours in a day just teying ti find out WHAT they XXXX want.bthen while sendingbit, have gotten the declined message while they are supposedly waiting for something. 
Ive also sent hundreds of documents through their portal to then be told they dont see any of them. To THEN be told that yes they did have them months later after I was blamed for losing my own dispute. 
Ive had enough of your XXXX lying. XXXX either going to do yiur mother XXXX or youvare going to have teouble where it hurts any human. XXXX be moving to a place very close to yiyr office so i can make sure of it. 

XXXX you and this XXXX response that took you 3 months to send : Experian at its normal self right here. 
" This XXXX take up to 30 days for us to even send a response. That's because we are doing literally nothing at all, and told you these exact same words 2 months ago when we said that our response to the entire thing IS that we are still working on the nothing that we're doing. '' This is 100 % full of lies and receipt like your every day business is. You've given me resultsbofbyou 1 day long investigations that end with " we put a day towards this before, we're not putting more than a day towards ajythjng. '' You also strangely don't address the fact that you denied your own employees dispute cases. All you've done here is pasteba long piece of text about the nothing you've done as it relates to your XXXX job and that is all. XXXX you, you ruin lives qnd enjoy doing so you XXXX piece of XXXX foreigners. XXXX coming to XXXX for my revenge in person. 

You also took 3 months to send this nothing of a response. 
I have {$XXXX} mm in legal assidtance from you and another XXXX mil from discover to use in order to recover my identity after XXXX data breaches in the last tear alone.. I plan on using all of it to sue you knowing that XXXX take 3 months to senf a boilerplate pasted message. XXXX you
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My account with XXXX XXXX FINANCE 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 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 XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-25
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. (CA)

I am writing to follow up on my previous dispute regarding the inaccurate reporting of a negative entry on my credit report across all three major credit bureaus. Despite my repeated attempts to address this matter, it remains unresolved, and I am deeply concerned about the continued inaccuracy. 

The latest credit report I received clearly shows discrepancies that are impacting my creditworthiness. Although the entry is listed as current, the payment history for this account incorrectly indicates 30-day late payments for XXXX, XXXX, XXXX, and XX/XX/year>. This inconsistency is present across all three bureaus, and it is unacceptable. Please see attached screenshot.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

My account with ( 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  ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 XXXX XXXX XXXX. 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. 


( 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  ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-25
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)

Do you know or have any idea how XXXX it is when youre working your way off honestly, then you look at your credit report erroneous information everywhere that has negatively XXXX  both my credit score and my life, it is my literal lifeline during emergencies, and every paycheck is an emergency.
Consumer complaint received 2024-06-25
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. (KS)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Also, I was never disclosed of ALL three of my Opt-Out disclosures which states a financial institution may not disclose nonpublic personal information to a nonaffiliated third party under 15 U.S. Code 6802 unless all three disclosures were satisfied but they were not.
Consumer complaint received 2024-06-25
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. (NC)

XXXX is in clear violation of this law. Under 15 U.S. Code 1681b - Permissible purposes of consumer reports, THE LAW CLEARLY STATES : 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. 

This account has been sold to another lender which means they don't have OWNERSHIP of this account and is reporting inaccurately on my credit report. 

This account does not exist on my XXXX credit report and needs to be removed from XXXX XXXX EXPERIAN immediately for reporting inaccurately
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My accounts 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/updated.

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.

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!
Consumer complaint received 2024-06-25
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)

After conducting a thorough investigation on my credit report, I was dismayed to discover unverifiable, invalidated, inaccurate, and questionable items that your agency failed to ensure were reported correctly. This has caused severe distress and emotional turmoil. 

In accordance with the Fair Credit Reporting Act ( FCRA ), it is imperative that all information on my credit report be reported with 100 % accuracy. However, the accounts in question are in violation of FCRA regulations, specifically under 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), which require complete accuracy in reporting. 

I have attached copies of all correspondence sent regarding this matter for your reference and further investigation. I urge your agency to rectify these errors promptly and ensure that my credit report reflects accurate and verified information as mandated by law.