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 — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My account with XXXX was never late! I have had exceptional payment history with 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 reported 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 2024-06-25
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. (AR)

RE : TRAFFICKING BLOCK REQUEST To whom it may 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 XXXXXXXX XXXX XXXX, XXXX, FL, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Employer - XXXX XXXX XXXX XXXX Incorrect XXXX : - XXXX Incorrect Name : - XXXX XXXX  XXXX Listed below are the Collections that are being challenged FAIR COLLECTIONS & OUT - XXXX Listed below are the Inquiries that are being challenged ADVANTAGE XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 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 TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN 3170-AB12 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

This is in regard to report # XXXX. On XX/XX/year>, I contacted Experian regarding inquiries on my account that I have not authorized I do believe they're stalling to not address the issue. I'm attaching a copy of my social security card, a bill with my address, the letter I mailed then, and a certified copy of receipt.
Consumer complaint received 2024-06-25
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. (MD)

Unverified and unauthorized inquiries appear on my Experian credit report. I have called to request their removal, but no action has been taken. 

XXXX. XXXX XXXX XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX XXXX XX/XX/year> XXXX. XXXX - XX/XX/year> AND XX/XX/year> XXXX. XXXX XXXX  XX/XX/year> XXXX. XXXX XXXX XXXX - XX/XX/year> Under the FCRA, it is a legal requirement to delete unverified and unauthorized items.I have requested Experian to delete. has not been completed.
Consumer complaint received 2024-06-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (NJ)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
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. (TX)

I am writing to have these three collection accounts removed from my credit report 1. XXXX XXXX XXXX XXXX {$33000.00} 2. XXXX XXXX XXXX XXXX  {$7800.00} 3. XXXX XXXX XXXX XXXX {$38000.00} These collections account refer to a student loan through XXXX XXXX which has been fully paid. I paid these loans through XXXX XXXX as shown on my credit report. My latest credit report show that these loans have been fully paid therefore I do not understand where these collections is coming from. The website of the financing company also show that I have fully paid for the loans that I borrowed. I want these collections removed ASAP because it is cruel of the company to make an account that has been fully paid deliquent on my report. Please read the background below : In XXXX I borrowed the following loans through XXXX XXXX in which I made the payment through XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6500.00} XXXX XXXX. XXXX {$30000.00} XXXX XXXX XXXX. {$30000.00} I paid off these loans XX/XX/year> and my credit report shows that. Also on the company website it shows that I paid off my loans and I have proof to show. However, I got notified on my credit report that these loans were sent to XXXX XXXX XXXX XXXX. I have paid off these loans therefore the act of sending a fully paid loan to collections is inaccurate and wrong. 


The collections account shown on my credit report is inaccurate because the loan shows that it has been fully paid yet in XX/XX/year> which I did yet a collection account shows in XXXX XXXX XXXX 
I want these collections removed from my credit report ASAP. 

I attached my credit report and proof from the company website that my loan is fully paid which aligns with the status of the Launch payment account.

In summary, In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2021-08-23
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 — Investigation took more than 30 days
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

I am writing to dispute late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with Nissan Finance for a car loan that I recently paid off. I have never been late and have always made arrangements if there was having financial difficulty. I have contacted the company several times and mailed proof of payments every month I've had the loan. They are unwilling to remove the late payments.
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. (FL)

I am writing to express my concern and dissatisfaction with the handling of my previous dispute regarding unauthorized hard inquiries on my credit report, initially submitted on XX/XX/XXXX. According to my rights under the Fair Credit Reporting Act ( FCRA ), I requested an investigation which has not been resolved satisfactorily. The details of the unresolved inquiries are as follows : 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 Despite my previous communication, these inquiries still appear on my credit report. Their presence suggests a failure on Experian 's part to adequately investigate the dispute as mandated by the FCRA. This oversight continues to negatively impact my credit score and could be misinterpreted as negligence towards consumer rights under federal law.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

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 2024-06-25
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)

I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.
Consumer complaint received 2024-06-25
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC. (MI)

XX/XX/XXXX a man by the name XXXX XXXX came to my home stating he was a XXXX XXXX XXXX  ( impersonating a government official ) and he had an order to seize my property for a telecommunication debt for a 3rd party collection Midland funding for {$1000.00} I was not home at the time but spoke with XXXX XXXX through my video camera which i told XXXX to remove himself and the other men from my property. When I returned home XXXX XXXX and the other men had stolen my vehicle XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  XXXX left several forged altered documents in my door with his signature and his cellphone number which i called. XXXX XXXX answered he told me had i been a little nicer it wouldnt cost me as much ( XXXX XXXX XXXX ) .. i asked him where is my vehicle and he gave me a number to call and told me it would cost me {$2100.00} plus {$50.00} per day if I didnt pick up my car ( extortion ) I then called the number and the man name XXXX the tow guy answered the phone and told me to pay cash to recover my vehicle plus {$50.00} per day its not recovered ( extortion ) XXXX referred XXXX XXXX XXXX XXXX the sheriff He said the sheriff takes his money then pay him.. ( conspiracy ) XXXX XXXX XXXX i went to the XXXX XXXX Sheriffs office to report XXXX XXXX XXXX report XXXX XXXX only to find XXXX XXXX XXXX XXXX is not a XXXX XXXX Sheriff ( XXXX  XXXX government official ) I then went to XXXX district court to validate the documents that XXXX XXXX left in my XXXX and the court could not validate the documents ( XXXX district court could not certify that these were true court documents ) ( falsified court documents ) I spoke with a clerk at XXXX district court that stated that these documents had been distroyed. This alleged collection had ( expired ) it was over XXXX XXXX XXXX XXXX XXXX ( debt was written off ) XX/XX/XXXX i went to an unmarked building to retrieve my vehicle in XXXX east side where i was extorted to pay {$1800.00} of my SSD ( exempt fund ) to retrieve my vehicle. On XX/XX/XXXX I contacted the attorney general which informed me that XXXX XXXX is employed by XXXX XXXX XXXX XXXX XXXX in XXXX Mi and he or that company is NOT authorized to seize vehicles.. ( willfully derelict of duty )
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing. 

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
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. (CA)

I have been trying to receive the accurate consumer reports with the correct and reflected information since XX/XX/XXXX of 2023. 
I have written and expressed my concerns. The consumer reporting agencies are damaging my right to a fair and accurate report. I have requested that the unauthorized transactions inquiries be deleted. These car have had enough time to obtain the the verification and the proof where I allowed them to report any and all late payments and adding charge offs when theres no late payments. 

I am in need of ALL the accounts to be updated to show as PAID IN FULL/ PAID ON TIME/ and Never late. 
I do not need any credit blanches to be reported as I do not consent to negative reporting. I have requested that the agencies KEEP all my accounts that are on the file as all payments made on time and I need all the payment history to remain on the reports as I need it for my credit files as I had a XXXX before and I was NEVER LATE and No collections as they do not have a a contract and all the consumer reporting agencies are in violation of the law as they have assumed a role that they have no right to. I am also having trouble logging into the app as they have not updated my information and followed the 30 day rule and they are not reporting all my auto loans as PAID in FULL and NEVER LATE. I never missed any payments and the credit card accounts are to be corrected and updated as PAID as Agreed and on time and I need the history to remain on the reports for the months that the account was opened till now if they are reporting it must be as I say and that is to be all current and no negative items. 

I also have marks and items that they are violating the law and each mark is XXXX where do I go to collect those fees for violating my rights and the inaccurate and damaging marks causing me harm. 

Violations Collections 15 usc 1692 Charge offs 15 usc 1601 late payments 15 usc 1666b Hard inquiries 15 usc 1602p I have attached the reports that need to be updated within 4 days.
Consumer complaint received 2023-11-20
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
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. (VA)

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 my 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 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: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (AL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
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. (FL)

I previously disputed this account stating : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, OR delete this account.
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)

I submitted disputes to XXXX, XXXX, and Experian regarding inaccurate information on my credit report. Despite providing detailed accounts of the violations under FCRA 623 ( a ) ( b ) and 605 ( c ), which specify failures to mark disputed accounts and inaccurate reporting of last activity dates, respectively, none of the credit bureaus have responded within the mandated 30-day period. Additionally, the company in question has failed to validate a collection account, thus violating FDCPA 809 ( b ) according to FTC guidelines. Attached are copies of all correspondence sent. I request an immediate investigation and correction of these violations on my consumer report. ''
Consumer complaint received 2024-07-12
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. (FL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-10-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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.