davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

FOR THE PAST YEAR I HAVE SENT MULTIPLE LETTERS AND DISPUTES TO ALL THREE CREDIT BUREAUS BECAUSE I AM A VICTIM OF IDENTITY THEFT. I HAVE SENT OVER XXXX DISPUTE LETTERS TO EACH BUREAU OVER A 1 YEAR PERIOD INCLUDING MY POLICE REPORTS PROVING I AM INDEED A VICTIM OF IDENTITY THEFT. THIS GO COMPLETELY AGAINST MY CONSUMER RIGHTS AND I NEED THESE THREE CREDIT BUREAUS TO DELETE THESE FRAUDULENT ITEMS. 

I have already notified both my local police department and the Federal Trade Commission by completing an identity theft report and I have included a copy for your review. Please delete the account from my credit report immediately!
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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. 
XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX 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 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 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

My account with 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 those account 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 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 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

My account with 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 those account 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.

AFFIRM 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 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX, Equifax and XXXX will investigate this account for me to ensure accuracy. Here is the personal information I am asking you to correct because it is inaccurate and incorrect : NAME : XXXX XXXX XXXX DATE OF BIRTH : XX/XX/year> ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX EMPLOYERS :
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

My account with XXXX XXXX, XXXX was never late! I have had exceptional payment history with XXXX 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 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 that are reported 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 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 2019-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

This card had been opened in my name for a couple of years. I had shared my concerns with XXXX XXXX that this was not my account. Instead they charge off the card and I owed a balance. I end up paying the balance but asked them to remove the card from my report as it was not my card. As a result they claim that they would remove it but never did. XX/XX/2019 the card was closed and never removed from my report. I have contacted them numerous time and this had no purpose. I am asking that this be removed from my report due to identity theft.
Consumer complaint received 2024-10-21
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: COLUMBIA BANKING SYSTEM, INC. (ID)

In early XXXX, I received an invoice from Umpqua Bank stating a fee of {$35.00} for the renewal of a Safe Deposit Box located at a branch in XXXX, Oregon. 

In XXXX of XXXX, we moved from XXXX, Or to XXXX, Idaho. Prior to moving, I personally went into the Umpqua Bank on XXXX XXXX and relinguished the safe deposit key ( s ) to a teller present at the bank. I did not close my Umpqua account, however, because there were Umpqua branches in the area where we were moving. 

Sometime in XXXX or early XXXX, I decided to close my Umpqua account due to the charges made to my account for simply writing a check or transferring money from one account to another ( {$10.00} check fee! ). I tried contacting the XXXX branch NUMEROUS times to process the cancellation and transfer the money still being held in that account. ( I had two accounts at one point, and had previously closed one. ) I was never able to get through to them. I was placed on hold for upwards of 30 or more minutes, only to eventally be disconnected. On other occasions when I called, I left voice messages with my name, phone and concern. I never once received a return phone call. 

I eventually went into a local branch in XXXX XXXX, ID and asked for assstance. It took over one hour for the personnel at that branch to contact and process the closure of my accounts. They too had difficulty in dealing with the XXXX personnel. 

I thought that would be the end of my relationship with Umpqua Bank. However, as stated above, earlier this year I received the first statement regarding the Safe Deposit Box. Again, I tried calling to no avail. At that time I again left a voice message. A month or so later, I received some papers that required notarized signatures regarding the relinguishment of my Safe Deposit Box. I took those papers to the local branch and they provided the notarization. My husband is on the account, too, so his notarized signature was also required. 

I thereafter returned by mail those papers to the XXXX branch office, again explaining that I returned the Safe Deposit key ( s ) over EIGHT years ago and was thus not responsble for any fees concerning same. 

They never responded to my letter. 

Instead, I've received another invoice for the rental of that Safe Deposit Box, for {$35.00} plus an additional {$15.00} in late fees. 

I have no idea how to proceed any furher with the personnel at the XXXX branch since they REFUSE to contact me or answer my phone calls or in any manner try to resolve this matter personally.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OK)

On XX/XX/year> a personal loan was open under my name through XXXX  who inform Experian the reported address applied with this loan was XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I have never applied for this loan, and have never lived at this address. I tried to dispute this loan as fraud but Experian said that all information was reported correct by XXXX. Even though I have never reported living on this location and have no idea what the account number that is associated with this XXXX  loan. This loan is only reported on Experian as well as the address.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA XXXX ( XXXX U.S.C. XXXX ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

I would like to follow up in regards of the fraud items appears on my credit file and this complaint serves as a formal request for the swift removal of these fraudulent items from my credit report. Upon discovering these unauthorized entries, I promptly initiated the dispute process as outlined by Credit Bureaus, providing all requisite documentation, including police reports and affidavits, to substantiate my claim of identity theft and fraudulent activity. Considering the significant ramifications for my financial stability, it is imperative that you expedite the investigation and removal of these fraudulent items from my credit report. Swift action is paramount to mitigate any further damage to my creditworthiness and restore the integrity of my credit history. I hereby request the action to be taken without delay and i would like to ask from your help to remove these items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items 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 listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (WY)

Despite my persistent efforts to address this issue, I would like to follow up about these fraudulent entries persist, adversely impacting my financial standing and creditworthiness. The fraudulent items in question they have been erroneously reported on my credit file. I have attached copies of supporting documents to substantiate my claims and provide proof of the fraudulent nature of these entries. I have undertaken several steps to rectify this issue : I have diligently submitted disputes through your bureau, providing comprehensive explanations and supporting documentation to contest the fraudulent nature of these entries. I have communicated directly with the creditors associated with these fraudulent items, seeking their cooperation in rectifying this matter. Unfortunately, these efforts have not resulted in the removal of these fraudulent entries. I have followed the appropriate channels to dispute these inaccuracies numerous times, yet the fraudulent items persist in my credit file. Kindly help me remove the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX  XXXX Balance : {$260.00} XXXX XXXX XXXX XXXX Balance XXXX {$1500.00} XXXX XXXX & XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XX/XX/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, XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$260.00} XXXX XXXX XXXXXXXX XXXX XXXX {$380.00} XXXX XXXX & XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$260.00} XXXXXXXX XXXX XXXX Balance : {$380.00} XXXX XXXXXXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX & XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-07-18
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: EQUIFAX, INC. (FL)

DEPTARTMENT OF EDUCATIONXXXX ID # XXXX ACCT # XXXX {$10000.00} OPENED XX/XX/XXXX : NOT MINES ACCT # XXXX {$11000.00} OPENED XX/XX/XXXX : NOT MINES ACCT # XXXX {$10000.00} OPENED XX/XX/XXXX : NOT MINES ACCT # XXXX {$7600.00} OPENED XX/XX/XXXX : NOT MINES ACCT # XXXX {$10000.00} OPENED XX/XX/XXXX : NOT MINES ACCT # XXXX {$10000.00} OPENED XX/XX/XXXX : NOT MINES ACCT # XXXX {$11000.00} OPENED XX/XX/XXXX : NOT MINES THESE LOANS WERE DEFERRED AND LATER FORGIVEN BY PRESIDENT JOE BIDEN . NOT MINES