davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-03
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 hope this letter finds you well. I am writing to express my deep concern and frustration regarding a persisting issue related to fraudulent items on my credit report. Despite numerous attempts to rectify this situation, I am dismayed to discover that these items continue to be reported on my credit profile. The fraudulent items in question pertain to continues reporting in my file, such as unauthorized credit accounts, erroneous late payments, or identity theft-related issues. These inaccuracies have had a detrimental impact on my credit score and have caused undue stress and inconvenience in my financial life. I would like to bring to your attention the various steps I have taken to resolve this matter : I sent dispute letters to all three major credit bureaus XXXX, Experian, and XXXX, providing detailed information about the fraudulent items and requesting their removal from my credit report. In compliance with legal requirements, I filed a police report regarding the identity theft associated with these fraudulent items. I also completed an Identity Theft Affidavit with the Federal Trade Commission ( FTC ). I have contacted the relevant creditors involved in these fraudulent accounts to inform them of the situation, dispute the charges, and request any necessary documentation. Despite taking these steps and providing all requested documentation to substantiate my claims, I am dismayed to see that the fraudulent items remain on my credit report. This situation is not only damaging my financial stability but also causing significant emotional distress. I kindly request your immediate attention and action to rectify this matter. I urge you to investigate this issue promptly, remove the fraudulent items from my credit report, and provide me with written confirmation of their removal. Additionally, I request that you review your internal procedures to prevent such issues from occurring in the future. Failure to address this issue adequately and promptly may compel me to seek legal recourse to protect my rights as a consumer. I believe that a swift resolution is in the best interest of all parties involved. Please consider this letter as an official complaint and a formal request for action. I expect your response within the exact timeframe from the date of this letter. Kindly assist me to remove these fraudulent items right away : 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
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. (FL)

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 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (SC)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
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. (IL)

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 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. (NY)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

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 2024-06-25
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. (PA)

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.
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. (TX)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-06-25
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. (KY)

I am in trying to utilize my Veteran Home Loan, and I unable to do so with any, " dispute comments, '' on my credit reports. I have been in contact with all three credit reporting agencies for over two months as of this CFPB complaint about having these comments removed. After every phone call, I am assured that the comments have been removed. However after waiting the 72hrs for the comments to fully remove from my reports per credit reporting agency, they are still there or have re-appeared. My mortgage company 's credit manager keeps sending me screen snippets with the accounts still showing on my report. I called the credit reporting agencies again, and I was told that I needed to have the original debtors to have them removed, " since they are the ones that keep reposting it, '' per the credit agency representative. I spent three hours on the phone this morning going back and forth with different companies and not XXXX company was able to see the comments on their end. No one is taking the responsibility to see the comments to have them removed, so I can purchase a house for my wife and XXXX kids. 
I need help removing the comments from : XXXX XXXX XXXX and XXXX XXXX  accounts showing on my credit reports. 

I have been trying since XXXX to have these comments removed, and they keep popping back up on my credit reports. This is impacting my ability to utilize assets that I have earned by being a XXXX XXXX XXXX
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)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my Federally Protected Consumer Rights to privacy and confidentiality 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A. Section 2 : States that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c Section ( a ) ( 5 ) States : No consumer reporting agency may make and consumer report containing and of the following items of information. Any other adverse items of information. Other than records of convictions of crimes which antedates the report by more than 7 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 in inaccurate.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (AZ)

My credit report from XXXX and Experian is not showing my credit accounts at all so every time I try to get to them they shift the blame to creditors and when I contact the creditors they send me back to credit bureau
Consumer complaint received 2023-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The TransUnion credit reporting service has been found to have made false claims regarding their direct communication with the courthouse over an extended period of time. Furthermore, they have failed to rectify the presence of inaccurate and non-relevant material on my credit report.
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. (FL)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity.
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)

The accounts listed below are charge off and/or closed accounts that are continuously updating inaccurate information each month. A charge off account should NOT have any active payment history. The information reported falsely manipulates the statute of limitations. 

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 U.S.C. 1681c.

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. 

ACCOUNTS # XXXX XXXX XXXX PLEASE DELETE # XXXX XXXX XXXX PLEASE DELETE # XXXX XXXX XXXX PLEASE UPDATE XXXX XXXX XXXX XXXX XXXX PLEASE DELETE # XXXX XXXX XXXX XXXX XXXX  PLEASE DELETE
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. (TN)

PLEASE BLOCKED AND REMOVED I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.
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. (CA)

Recently I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S CODE 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal consumer rights to privacy and confidentiality under USC 1681. 
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 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 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 the the information is inaccurate. 

ACCOUNT NAMES & DATES OPENED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
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 sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of XXXX XXXX XXXX ( d ) ( XXXX ) as that information pertains to experiences any continuation of providing negative information required by section FCRA XXXX ( XXXX XXXX. XXXX ) a copy of which is enclosed which states that this information must be removed within XXXX business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2019-11-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: BANCO POPULAR DE PUERTO RICO (CO)

Received a pre-approval through XXXX XXXX for a small personal loan of {$3500.00} at XXXX. 

Clicked accept offer, and once at the XXXX website, was asked for various documents. Uploaded all of these documents and received a call the next day to go over everything. 

In addition to my tax return income, I receive over {$800.00} social security XXXX pay month. I provided them my online statements from XXXX XXXX, which is where my benefits are direct deposited every month. Was told this was not sufficient to prove income ( has my name, address, deposits and my manual deposits to my bank account ). Was told they needed my award letter. No problem, I sent that. Was then told they had to have the tax form SSA 1099. No problem, I sent this. 

Told I needed to provide actual bank statements from XXXX XXXX. I explained that this is a government issued prepaid card, where only government benefit payments can be made. And that the monthly statements clearly show the SSA deposits, my name, my address, the bank transfers ( which they see on my actual banks statements ). 

Denied the loan. Was initially told it was because they couldn't use that income. Told later that information NEVER SHOULD HAVE BEEN TOLD TO ME. WHAT??? It's my loan application and my income and my denial. 

I know XXXX is going to supply some canned response that I was denied based on a credit report. Let 's see, a XXXX credit score, 1 percent credit card utilization, no late pays, delinquencies, 2 inquiries in 2 years ( 1 inquiry was from XXXX in XXXX when they did the EXACT SAME THING ) and the other inquiry nearly 2 years old for my XXXX credit card. 

The adverse action letter says to call the application review manager and lists a number with questions. Called and told there is no way to have any communication with that department or person. They will send a more detailed reason for denial upon my request. 

I asked again what specific information is not found on the XXXX XXXX statements that would verify the income. Told they can't tell me that, it's an internal thing. 

This is discriminatory lending as XXXX is refusing to include my SSA XXXX benefit pay as income. I have provided every document available that verifies this income. I asked if we could contact social security via phone to verify. Nope. But they do have the benefit verification letter yet and still this is not sufficient!? 

Funny, they pulled my soft inquiry to offer the loan last night. And that's STILL ALL THEY HAVE PULLED. NO HARD PULL HAS BEEN DONE, THAT'S HOW I KNOW IT HAS NOTHING TO DO WITH MY CREDIT REPORT. But I will bet when this complaint reaches them, a hard pull will suddenly appear.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (VA)

I demand these unauthorized fraudulent inquiries be removed from 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 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 XXXXXXXX XXXX XXXX, and XXXX XXXXXXXX XXXX XXXX 

ALSO remove these addresses from my credit report that I've never lived at : XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX, VA XXXX, and XXXX XXXX XXXX XXXX, VA XXXX ALSO remove all derivatives of my name from my credit report and only update my report with XXXX XXXX XXXX. Thank you for your attention to this matter.