davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-30
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)

This communication also serves as a formal demand to opt out of the disclosure of my nonpublic personal information to nonaffiliated third parties, as mandated by the Fair Credit Reporting Act ( FCRA ), 12 CFR 1016.7, and 15 U.S. Code 6802. 

Violation Notification : It has come to my attention that XXXX has been reporting information related to the aforementioned accounts on my consumer report without proper verification or my consent. This blatant disregard for my privacy rights and the accuracy obligations outlined in the FCRA and relevant federal privacy regulations is unacceptable and requires immediate attention. 

Opt-Out Request : I hereby exercise my legal right to opt out of any further disclosure of my nonpublic personal information to nonaffiliated third parties, including any information inaccurately or unlawfully reported by XXXX. 

Required Actions : 1. Cease Disclosure Immediately : I demand the immediate cessation of all disclosure of my nonpublic personal information to nonaffiliated third parties.

2. Correct Reported Information : I insist on a thorough review and correction of any inaccuracies in the reported information linked to my consumer report. 
XXXX. Confirmation of Actions Taken : I expect a written confirmation detailing the corrective measures implemented by Experian to rectify the reported inaccuracies and confirm compliance with my opt-out request. 

This letter constitutes a formal complaint, and I am prepared to escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) and seek legal counsel to protect my rights if necessary. 

I anticipate your prompt response within 30 days of receipt of this letter, providing detailed information on the corrective actions taken by XXXX to address these violations.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, 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. (AL)

Inquiries that I don't recognize.on my Credit Report. I have Contacted the companies for relief and all 3 Credit Bureaus, I have also attached Identity theft affidavit
Consumer complaint received 2024-05-30
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)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECTION 602 A. STATES | 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
Consumer complaint received 2024-05-29
Product: Credit card — General-purpose credit card or charge card
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. (LA)

I consistently make payments punctually. I'm confident about this. However, what puzzles me is why this particular company occasionally reports me as late in some months, which shouldn't happen. According to USC 1666b, any billing discrepancy should be rectified promptly and reflected accurately as paid as agreed.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the fair Credit reporting act these accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681. 

XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX  ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$170.00} XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX {$360.00} XXXX. XXXX XXXX. 
XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX  ( XXXX XXXX ) {$300.00} XXXX. XXXX XXXX XXXX. ( XXXX XXXX ) {$550.00} 15 U.S.C 1681 section 602a. States I have the right to privacy 15 U.S.C 1681 section 604a section 2 it also states a company reporting agency can not furnish a account without my written instructions.

15.U.S.C 1618c. ( a ) ( 5 ) section states. that no consumer reporting agency may make any consumer reporting containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681-s-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 2024-05-29
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)

I have provided Experian with all up to date information for my credit report as Experian has accounts that are still reporting an their closed. I have reached out to Experian to get these accounts removed from my credit report and they had failed to do so. Every time I call Experian they never are able to speak with a customer service support member no one answers.
Consumer complaint received 2024-05-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I've always ensured that payments on this account are timely, never letting them become overdue. I am unsure about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error should be corrected.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2024-05-29
Product: Credit card — General-purpose credit card or charge card
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. (IL)

I ensure that my payments are always made on time. However, I find it perplexing that this company occasionally reports me as late in certain months, which is not accurate. As per USC 1666b, any billing errors should be rectified promptly and reflected as paid as agreed.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

My account with ( XXXX 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 ( 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 ) 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 2024-05-29
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)

Despite submitting extensive evidence and meticulously following the required procedures, it is highly troubling that this issue remains unresolved. The existence of these fraudulent items not only damages my reputation but also jeopardizes my financial stability and credibility. Despite my ongoing efforts to resolve this matter, it is disheartening to face continual obstacles and delays in reaching a satisfactory conclusion. I urge you to treat this issue with the highest priority and take immediate action to remove the fraudulent items from my record. Additionally, I expect to be kept informed of the progress in addressing this matter and seek appropriate compensation for any damages or losses incurred due to this persistent error. Therefore, I am requesting your assistance to remove these fraudulent items from my credit file : : Experian : XXXX XXXX XXXX XXXX XXXX XXXX NOLINA PL XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX Balance Owed XXXX {$13000.00} XXXX XXXX XXXX Balance XXXX : {$23000.00} XXXX XXXX  XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX Balance XXXX : {$42000.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX  XXXX Balance Owed : {$4600.00} -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance XXXX : {$17000.00} XXXX XXXX ( Original Creditor XXXX XXXX  ) XXXX Balance Owed : {$440.00} XXXX XXXX Balance Owed : {$620.00} XXXX XX/XX/year> -- -- XXXX -- XXXX : XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXXXXXX, IN XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} FST XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$970.00} XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$17000.00} XXXX XXXX XXXX Balance Owed XXXX {$42000.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX {$440.00} XXXX XXXXXXXX Balance Owed : {$620.00} XXXX XXXX XXXXXXXX Balance Owed : {$4600.00} XXXX XXXX Balance Owed : {$1100.00}
Consumer complaint received 2024-05-29
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)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2024-05-29
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)

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-07-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (VA)

I inquired with Freedom Mortgage concerning who their Indenture Trustee ( Bank ) is but I have not received a response as of today. 
XX/XX/2023 Emailed customer care ( No Reply ) XX/XX/2023 Messaged on the website asking if XXXX XXXX XXXX XXXX was their Indenture Trustee, who is responsibility for managing the XXXX for Freedom Mortgage. ( No acceptable reply received ) XX/XX/2023 Asked for a POC for the XXXX XXXX XXXX ( Responded but no answer ) According paperwork filed on the SEC.gov, Freedom Mortgage owner has a Blind Trust that is utilized. I am simply asking who is their Indentured Trustee ( Bank ).

Freedom Mortgage 's fiduciary duty responsibilities which include but is not limited to : Duty of Disclosure : The company should provide clear and accurate information to mortgage holders regarding their loan terms, interest rates, fees, and other relevant details, enabling borrowers to make informed decisions. 
Duty to Avoid Misrepresentation : The company should not engage in deceptive or misleading practices when marketing or selling mortgage products.
Consumer complaint received 2024-05-29
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. (PR)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I would like to follow up regarding fraudulent items on my credit report. Despite many attempts, there are still fraudulent items incorrectly listed on my credit report. These items do not belong to me and should be removed promptly. The continued presence of these fraudulent items on my credit report is causing significant harm to my credit standing and financial well-being. I urge you to rectify these issues immediately. Please acknowledge receipt of this complaint and provide a resolution timeline. Please help me remove the following items : XXXX XXXX {$5400.00} ; XXXX XXXX {$10000.00} ; XXXX XXXX {$3800.00} ; XXXX  XX/XX/year> ; XXXX XX/XX/year>.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-05-29
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. (LA)

Complaint to the CFPB Regarding Fair Credit Reporting Act ( FCRA ) Violations by XXXX, XXXX, and Experian Introduction I am writing to file a complaint against the credit reporting agencies ( CRAs ) XXXX, XXXX, and Experian for violating the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 15 U.S.C. 1681i ( 5 ). 
Nature of Complaint On [ XX/XX/XXXX ], I submitted disputes to XXXX, XXXX, and Experian regarding inaccurate information on my credit report. These disputes included [ Brief description of disputed information ]. 
The FCRA mandates that CRAs investigate disputes within 30 days of receiving them and provide a response. Unfortunately, all three CRAs failed to respond within the legal timeframe. 
Legal Basis 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) of the FCRA requires CRAs to conduct a reasonable reinvestigation upon receiving a dispute from a consumer. This includes promptly investigating the disputed information and notifying the consumer of the results within 30 days. 
15 U.S.C. 1681i ( 5 ) further emphasizes the timeliness requirement by mandating CRAs to provide a written response to the consumer within 30 days of receiving the dispute. 
Case Law References In addition to the FCRA statutes, I would like to reference the following case law that supports my claims : Case 1 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) ( Case emphasizes the importance of CRAs adhering to the 30-day investigation timeline ) Case 2-6 : These unnamed cases serve as additional examples highlighting successful legal challenges against CRAs for failing to meet the 30-day response deadline ( Please note you can replace these placeholders with the specific case names and citations you provided ) Request for Relief I request that the CFPB investigate these violations by XXXX, XXXX, and Experian and ensure they : Conduct a prompt and thorough investigation into the disputed information on my credit report. 
Provide a written response to my dispute within 30 days of receiving this complaint from the CFPB. 
Update my credit report with any necessary corrections based on the investigation 's findings. 
Supporting Documents I have attached copies of my dispute letters sent to each CRA and any correspondence received from them along with postal receipts Conclusion The failure of XXXX, XXXX, and Experian to comply with the FCRA has caused significant harm by potentially hindering my ability to access credit and obtain favorable interest rates. I urge the CFPB to take appropriate action to ensure these CRAs comply with the law and protect my rights as a consumer. 
Sincerely, [ XXXX XXXX ] XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please note : ID and Proof of address.
Consumer complaint received 2024-05-30
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)

Upon reviewing my recent credit report, I have identified discrepancies that need immediate attention. Specifically, regarding this account : XXXX. 
The company has acknowledged this error and committed to updating the status to closed/never late. Other credit bureaus have already corrected the status of this account after the company recognized the inaccuracies. 
I kindly request a thorough investigation into this account and prompt communication of the findings via mail. According to information available online, such disputes should be resolved within 30 days. Therefore, I expect to receive your response within this timeframe. XXXX XXXX
Consumer complaint received 2024-05-29
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)

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. Its my understanding that Experian, XXXX and XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify is accurate. XXXX XXXX Account # XXXX Open XX/XX/year>