davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-01
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)

XXXX is currently reporting negative information as a violation to federal laws. The XXXX XXXX XXXX for the XXXX XXXX XXXX Georgia stated that they did not provide information to Experian and neither did I XXXX XXXX provide information or give them permission to report information. I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract. Until such time as you provide verification of the debt, I am exercising my right to cease and desist all reporting activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all reporting activities on this debt. Failure to comply with this request will result in further legal action.
Consumer complaint received 2023-03-30
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2024-07-01
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)

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My account with ( XXXX, XXXX CARD ) was never late! I have had exceptional payment history witH capital 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 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. 


( XXXX, XXXX CARD ) 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 2024-07-01
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 requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-07-01
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. (WI)

Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2022-11-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and a confidentiality under 15 USC 1681. 

XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT XXXX XXXX, XXXX XXXX XXXX ACCT XXXX : XXXX, XXXX ACCT # XXXX, XXXX ACCT # : XXXX, XXXX ACCT # : XXXX, has violated my rights.

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 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 the information is inaccurate.
Consumer complaint received 2023-08-29
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: EQUIFAX, INC. (FL)

I'm dealing with a really tough situation that I want to explain in simple terms. 

First, I tried to open business accounts at different banks, but they all said no. They told me it's because of something called XXXX. This was a sign that something was wrong. 

Then, I applied for an account with XXXX XXXX XXXX XXXX. But here 's the problem : they never got back to me about my application. After waiting for a whole month, I decided to call them. They told me I already had an account with them. I told them I didn't make that account, but they didn't believe me. Now, it's been about two months, and they still haven't fixed it. They're saying it's a case of fraud, and I have to deal with a special process to sort it out. 

I checked my XXXX reports to learn more. It was frustrating to see that there were 3 or 4 different names listed, and they weren't spelled like my name at all. Some even seemed like girl names. Also, there were addresses I've never lived at, but they seemed to have a connection to my last name. 

I tried to fix this mess. I asked them to take out the wrong names and addresses from my records. I also made sure to lock my records so that no one else can mess with them. But now, I'm seeing more banks on my records that are close to where I live. I've never done any business with them, but they're saying things about me that aren't true. 

I reported the identity theft to the right people, and I even have a paper that proves it. But even after all that, I checked my credit report and saw things that didn't make sense. There were things listed that I didn't recognize, like addresses I've never been to. 

What's making me even more worried is that I'm seeing hard inquiries from places like XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. But I never asked these places for anything. It's making me anxious because it feels like someone is pretending to be me. 

So, I'm writing this letter to ask everyone who has the wrong info about me to fix it. I just want them to take off the things that aren't true. This whole situation is really tough for me, and I hope they can help me make it right. Thanks for listening.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

On XX/XX/year>, my XXXX Credit Card account was {$10000.00}. I made a payment of {$370.00} on XX/XX/year> and additional payment of {$5000.00} on XX/XX/year> which reduce my balance down to {$5400.00}. They reported to all three credit bureaus on XX/XX/year> that the balance was {$10000.00}. This is XXXX! I contacted XXXX on XX/XX/year> and spoke with XXXX ( employee number XXXX ) she refused to update the credit bureaus and correct the fraudulent balance they reported. Said I had to wait until XX/XX/year>. For the last 22 days they have been defaming my character with the credit bureaus stating that I have use XXXX  % of my credit, making my score drop to XXXX. This is wrong and outrageous what this company does. The blantant fraud they commit and blatantly refuse to correct this error. They must be investigated for their abuse and fraud.
Consumer complaint received 2024-07-01
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)

I DISCOVERED THAT SPECIFIC DETAILS ABOUT XXXX HAVING 3 DIFFERENT ACCOUNTS UNDER MY NAME THAT THEY CHANGED 3 TIMES I PAID XXXX BUT DID NOT GIVE CONSENT TO XXXX, XXXX NORE EXPERIAN TO OBTAIN MY CREDIT INFORMATION.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I paid this card off in full {$270.00} on XX/XX/XXXX. They said that they would change my report to paid in full, {$0.00} balance and it says still owe the money. Also, they put a late payment on my credit report and its wrong, I called them and they sent me a letter of correction, it still hasn't been taken off my credit report as a derogatory mark as a late payment.
Consumer complaint received 2024-07-01
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)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-01
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)

I am XXXX XXXX, and Im submitting this complaint myself and there is no XXXX  party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-07-01
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. (FL)

I am writing to formally lodge a complaint regarding Experian 's failure to respond to multiple dispute letters I have sent over the past few months concerning inaccuracies in my credit report. 

I initially sent a dispute letter to Experian on XX/XX/year>, followed by a second letter on XX/XX/year>. Despite waiting an appropriate amount of time, I have not received any response from Experian regarding these disputes. 

Furthermore, on XX/XX/year>, I sent another letter to Experian specifically addressing additional inaccurate information that I have identified in my credit report. To date, I have yet to receive any acknowledgment or resolution from Experian regarding these inaccuracies. 

These inaccuracies are having a significant negative impact on my credit score and overall financial health. It is imperative that the inaccurate information be corrected or removed from my credit report immediately. 

I am requesting the assistance of the Consumer Financial Protection Bureau in this matter to ensure that Experian complies with the Fair Credit Reporting Act ( FCRA ) and addresses my disputes in a timely and appropriate manner. 

Enclosed, please find copies of the letters sent to Experian and any supporting documentation.
Consumer complaint received 2023-06-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC (NC)

I entered a contract with the previous company known as XXXX XXXX XXXX. There was predatory actions noted throughout this transaction. 

XXXX ) The car was only worth XXXX but marked up to XXXX with the finance charge and other fees marked it up to more than XXXX XXXX ) XXXX was partially my means of income. The agent said that my XXXX  income wasnt important and it would be best to not include that in the application. After filling out the bulk of paperwork and after being there for XXXX hours, I was told that the car could not be used for XXXX  and that the paymenta were due every XXXX weeks along with the vehicle have a passtime device that woukd switch the car off if the payment was late. Being that I couldnt use the car for XXXX, I couldnt keep current on my payments which caused the car to be shut off multiple times.
Consumer complaint received 2024-07-01
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)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$1800.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NJ)

I utilized Experian 's program " Experian Boost '' which allows you to add self-reported accounts to your credit report. On XX/XX/year>, I terminated my use of the program and requested all self-reported accounts be removed. All accounts were removed except one : XXXX XXXX ( XXXX ). Today, I called to ask it be removed since it has been more than 60 days since I asked the account be removed. I was told Experian does not " have the tools '' to remove the account and that I should wait another 30 days to see if it is removed in the " next update ''. This is unacceptable. I requested this removal over two months ago and the answer provided did not include reassurance the removal would in fact occur in the next 30 days.
Consumer complaint received 2024-07-01
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. (MA)

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX. 

I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2024-07-01
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)

PLEASE BLOCKED AND REMOVED. 
I did not authorize the creation of these accounts and have suspicions regarding their legitimacy. I kindly ask that you conduct a thorough review and expeditiously remove them from my credit report.
Consumer complaint received 2024-07-01
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)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (KY)

I disputed the company XXXXDepartment of Education XXXX XXXX XX/XX/year> for a student loan account on my credit report using code 15 U.S.C 1681. They are reporting inaccurate information on my credit report which is affecting my account negatively. I provided them with information from an email from the Department of Education stating that the student loan will be discharged based on an XXXX finding that XXXX XXXX XXXXXXXX made pervasive and widespread substantial misrepresentations that borrowers relied on to their detriment. on XXXX XXXX. The information came back as verified on XX/XX/year>. I sent another dispute to the credit bureau, asking them to provide me with the process they used to verify the account using 15 U.S.C 1681i. On XX/XX/year>, the account still came back verified. They didnt provide me with the information requested. To resolve this issue,
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

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.