davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
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.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX {$380.00} Paid/Closed Opened XXXX XXXX, XXXX XXXX XXXX XXXX {$390.00} Closed XX/XX/XXXX XXXX XXXX XXXX XXXX {$570.00} Closed/collection account XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$410.00} Closed/collection account XX/XX/XXXX XXXX XXXX XXXX XXXX {$1400.00} Closed/collection account XX/XX/XXXX XXXX XXXX XXXX XXXX {$390.00} Closed XX/XX/XXXX XXXX XXXX XXXX. 

XXXX {$1400.00} Closed XX/XX/XXXX XXXX XXXX XXXX XXXX {$570.00} Collection account XX/XX/XXXX XXXX XXXX XXXX  XXXX {$1400.00} Open account XX/XX/XXXX XXXX XXXX XXXX {$390.00} Closed account XX/XX/XXXX XXXX XXXX XXXX {$380.00} Closed XXXX XXXX, XXXX XXXX XXXX XXXX {$570.00} Open account XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$410.00} Open account XX/XX/XXXX XXXX XXXX {$1400.00} Open account XX/XX/XXXX 2023
Consumer complaint received 2024-11-03
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: Experian Information Solutions Inc. (FL)

Dear XXXXir/Madam, I am writing to address discrepancies found on my credit report, specifically concerning the provisions outlined in 15 USC code 6802, 15 USC 1681b , and 18 U.S. Code 1028A.

According to the Fair Credit Reporting Act ( FCRA ) Section 605B, it is imperative that all information reported on my credit profile be accurate and lawfully obtained. Under 15 USC code 1681b, there are strict guidelines regarding the dissemination of consumer credit information, ensuring that it is handled responsibly and with due diligence. 
Upon reviewing my credit report, I have identified inaccuracies that violate the aforementioned regulations. As per my rights under the FCRA, I request the immediate removal of this erroneous information from my credit report. 
Furthermore, in accordance with the doctrine of estoppel by silence, as established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I must emphasize that no proof of the alleged debt has been provided. Hence, it is reasonable to conclude that such debt does not exist. 
I kindly request your prompt attention to this matter and the necessary actions to rectify the inaccuracies on my credit report. Please provide confirmation once the corrections have been made. 
Thank you for your prompt attention to this matter. Dear Sir/Madam, I am writing to address discrepancies found on my credit report, specifically concerning the provisions outlined in 15 USC code 6802, 15 USC 1681b , and 18 U.S. Code 1028A.

According to the Fair Credit Reporting Act ( FCRA ) Section 605B, it is imperative that all information reported on my credit profile be accurate and lawfully obtained. Under 15 USC code 1681b, there are strict guidelines regarding the dissemination of consumer credit information, ensuring that it is handled responsibly and with due diligence. 
Upon reviewing my credit report, I have identified inaccuracies that violate the aforementioned regulations. As per my rights under the FCRA, I request the immediate removal of this erroneous information from my credit report. 
Furthermore, in accordance with the doctrine of estoppel by silence, as established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I must emphasize that no proof of the alleged debt has been provided. Hence, it is reasonable to conclude that such debt does not exist. 
I kindly request your prompt attention to this matter and the necessary actions to rectify the inaccuracies on my credit report. Please provide confirmation once the corrections have been made. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-11-03
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. (VA)

I am disputing XXXX XXXX XXXXXXXX XXXX  reporting to my credit, as they are neither licensed nor bonded in Virginia, where I reside. Under state regulations, this authorization is required for any debt collection activity. Given this non-compliance, I request the removal of their report from my credit file.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-16
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. (AZ)

To Whom It May Concern It has been brought to my attention that your company continues to ignore my requests for the removal of these late payments and inaccurate information still reporting on my credit report. 
The following late payments are reporting inaccurate and therefore need to be reinvestigated. 

Inaccurate late payments and incorrect and incomplete information 1. 15 U.S. CODE 1692e - False or misleading representations XXXX  XXXX Account Number : XXXX Update to Open/Never late 2.15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS FCTUALDATA Date of inquiry : XX/XX/scrub>/2024 Please remove it from my credit report.
Consumer complaint received 2024-11-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (AL)

Please refer to the details in Closed Compliant XXXX. The company has NOT resolved the complaint. 

I received a response from Citibank dated XX/XX/year>. The response did NOT resolve the complaint. The company 's response continued to confirm that they failed to apply the extra payments to the highest interest rate balance ( Balance Transfer Offer XXXX ) as required by their policies and regulations. The company 's response states that interest rates listed on the prior statement are applicable rates to determine which balance portion has the highest rate. The company states a good " rule '' is to wait until the statement has cycled to make extra payments. Their " rule '' is clearly only beneficial to Citibank for charging higher rates of interest.This " rule '' also appears to conflict with their policies and federal regulations. 

To be clear, the company 's response contradicts the actual interest charges made to the account. If the company 's response were accurate, the rate on Balance Transfer Offer XXXX would not have been 26+ % as of XX/XX/year>, because it was 0 % on the prior statement. The company would also not have charged interest of {$99.00} ; Interest they now offer to refund as a " courtesy ''. The company appears to be using their " prior statement rule '' for extra payments as it benefits them because they are definitely not using the " prior statement rule '' for charging interest to the consumer. Based on this " rule '', the consumer can not pay off a higher interest rate balance until the next statement, ensuring Citi is able to charge interest to the consumer during that time period.

1. The cardmember agreement does not specify the method the company will use to apply payments ( based on prior statement rate or the rate on actual date of payment ).

2. The customer service representative assured me on XX/XX/year> that the extra payment would be applied to Balance Transfer Offer XXXX ( the highest interest rate balance ) and that my previous extra payment had also been applied to that higher rate balance.

3. Federal regulations require extra payments be applied to the highest interest rate balance first.

4. Company correspondence continues to confirm that the company 's records clearly reflected the higher interest rate on Balance Transfer Offer XXXX on XX/XX/year>, the date of the extra payment, ( because they started charging interest on XX/XX/year> ). Their records indicated the Balance Transfer Offer was the highest interest rate balance and they clearly failed to apply the payments properly.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I AM A VICTIM OF XXXX XXXX AFTER FINALLY GAINING BACK ACCESS TO MY PERSONAL INFORMATION I NOTICED A SLEW OF ACCOUNTS THAT I NEVER CONSENTED TO BEING OPENED NOR HAVE I UTILIZED. I WAS ABLE GET SOME ASSISTANCE WITH VIEWING ALL MY CONSUMER REPORTS AND CONTACTING THE CREDIT REPORTING AGENCIES. 

CONTINUING TO FURNISH THESE FRAUDULENT ACCOUNTS TO MY CREDIT REPORT IS IN VIOLATION OF BOTH 15 USC 1681 C-2 AND 15 USC 1681 C-3.

EACH REPORTING AGENCY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY AND DUE TO THE UNFORTUNATE EVENTS, THESE ACCOUNTS WERE SUBJECT TO REMOVAL WITHIN 4 BUSINESS DAYS.

AS I HAVE GOTTEN BACK ON MY FEET, THESE ACCOUNTS ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN NEW LINES OF CREDIT FOR MYSELF. MY CONSUMER LAWS ARE BEING VIOLATION WITH THESE FRAUDULENT ACCOUNTS BEING REPORTED. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B
Consumer complaint received 2024-11-03
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 have at least XXXX unauthorised fraudulant inqiuries on XXXX, XXXX, Experian that I nor signed or given permission to run my credit.XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX,
Consumer complaint received 2024-11-03
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)

XXXX XXXX XXXX XXXX Account Credit card Charges Off Account : number XXXX Amount {$15000.00} Methods of Investigation request hard evidence that goes back to the original creditor. Under the FCRA, the credit reporting agency is required to give you a method of verification within 15 days of your request. 

Good morning in reviewing my credit report. XXXX XXXX XXXX XXXX currently reported profits and losses for a Credit Card Account charged off. {$14.00}, XXXX written off. XXXX XXXX XXXX failed to submit 1099 -C for portion of debt cancel by IRS as a tax write off. Further more causing inaccuracy reporting to the credit bureau and possible fraud reporting to the IRS. XXXX XXXX XXXX Violation FCRA negligently and willfully violated 1681s2 ( b ) of the Fair Credit Reporting Act ( FCRA ) by failing to remove the balance under its trade-line in response to this debt dispute. Im requesting copy of 1099-C for the written off amount reporting to all three credit bureaus.Consumer requests Delete from all three credit bureaus. Consumers requests immediately investigate in to this matter.

( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the Charges Off of credit card that has been written off profits losses each month creates an inaccurate and misleading credit report, which negatively impacts my credit score. 
Consumers prepared to address this matters in legal proceedings for statutory damaged. 
Im hoping we can address this matter with the proper outcomes for both parties. 
The following documents can be mailed to me at XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX.
Consumer complaint received 2024-11-02
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. (AZ)

15 U.S. Code 1681 ( s ) -2 states that any payments during XXXX are required to be deferred or forgiven.15 U.S. code 1681 ( 4 ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit report.15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your credit report.
Consumer complaint received 2024-11-03
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. (VA)

Re : Formal Complaint Against Experian for Repeated Stall Tactics in Response to Credit Report Dispute To whom it may concern, I am filing this formal complaint against Experian due to their repeated stall tactics and apparent unwillingness to address a legitimate dispute I submitted regarding inaccuracies on my credit report. Experians actions have created unnecessary stress and hardship, as they have consistently delayed investigating my dispute despite multiple submissions that follow all required protocols. 

Background : On XX/XX/year>, I mailed a dispute to Experian to address specific inaccuracies on my credit report. To ensure it was properly received and processed, I sent the dispute via certified mail and included : A detailed explanation of the disputed information A copy of my identification Proof of my current address According to the USPS tracking number XXXX, Experian received this dispute package on XX/XX/year>, at XXXXXXXX XXXX in XXXX, TX. Despite this, I received a stall letter from Experian suggesting that my dispute may not have been initiated directly by me or may lack the necessary authorization. This is simply untrue, as I personally submitted the dispute, provided proof of identity, and took additional steps to confirm receipt. 

Pattern of Stall Tactics : This is not the first time I have encountered such tactics from Experian. Every time I submit a disputeeven with certified mail and proof of identityExperians response has been to question the legitimacy of my submission rather than address the issues I have raised. It appears Experian is deliberately avoiding its obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a fair and timely investigation, as is required for any consumer dispute. 

Requested Resolution : I am requesting that the CFPB investigate Experians repeated use of stall tactics in response to valid consumer disputes. Experian 's actions directly hinder my right to an accurate credit report and violate the spirit of the FCRA, which is designed to protect consumers from such practices. 
Enclosed with this complaint, I have included : A copy of my original dispute letter A copy of my identification and proof of address Proof of delivery confirmation from USPS, verifying that Experian received my dispute package on XX/XX/year> Final Request : Please assist in ensuring Experian is held accountable for their failure to properly address my dispute. I expect Experian to cease their delay tactics and comply with FCRA-mandated procedures for reinvestigating disputed items in a timely manner. Experian 's disregard for my rights has caused undue stress, and I believe this matter deserves immediate attention from the CFPB. 
Thank you for your assistance in this matter. I look forward to your guidance and support in holding Experian accountable for their repeated failures. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-07-27
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: EQUIFAX, INC. (TX)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (CA)

To Whom It May Concern, I am writing to demand the immediate blocking and removal of fraudulent information from my credit report. My social security number has been compromised due to identity theft and a data breach. Attached to this letter is the FTC Identity Theft Report I filed. You are legally obligated to block and remove the fraudulent information from my credit report within four business days of receiving this complaint, as mandated by 15 USC 1681c-2 ( c ) ( a ). The following items are disputed and must be addressed immediately : XXXX XXXX  Account Number:XXXX My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE!

I did not initiate any of these inquiries furthermore if you feel like did please send me copies of my written signature giving consent to this matter. The items below should all be removed from my consumer report under 15 US Code ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) .Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXXXXXX XXXX XXXX The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXX XXXX The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXX The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE!
Consumer complaint received 2024-11-02
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)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway
Consumer complaint received 2024-11-02
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. (GA)

XXXX XXXX IS IN FACT BREAKING FTC STANDARDS AND REGULATIONS, AS WELL AS FCRA AND FDCPA STATUES AND REGULATIONS. AS WELL AS FRAUDULENTLY REPORTING ANOTHER COMPANIES ( WORLD FINANCE ) a whole other ENTITYs ALLEGED LOAN/DEBT AS THEIR OWN, IN THEIR NAME. IVE NEVER DID BUSINESS WITH ; NOR HAVE I EVER ENTERED INTO CONTRACT FOR A LOAN WITH THIS COMPANY. THIS IS UNETHICAL, UNJUST AND IN VIOLATION of FEDERAL RESERVE BOARD MANDATES. UNDER FCRA AND FDCPA AN ALLEGED DEBT COLLECTOR MUST ACCURATELY REPORT ALL INFORMATION, INCLUDING BUT NOT LIMITED TO ORIGINAL CREDITOR.. THIS IS EGREGIOUSLY MALICIOUS, BASED ON THE FACT ALLEGED ORIGINAL LENDER WAS REMOVED OFF XXXX PLATFORM, ON MY REPORT FOR NON VERIFICATION OF DEBT UNDER IDENTITY THEFT. THIS ALONG WITH PREVIOUS COMPLAINTS ABOUT THIS COMPANY SHOWS THE DEPTH, VINDICATION, AND AMOUNT OF DISREGARD THIS COMPANY HAS FOR ESTABLISHED LAWS, CODES, AND PROCEDURES.. I DEMAND THIS COMPANY FURNISH TRUE DOCUMENTS WITH MY FACTUAL SIGNATURES AFFIXED AND OR VIDEO DOCUMENTS TO ALIGN WITH THE CLAIMS OF CONSUMER-MERCHANT RELATIONSHIP AND OR CONSUMER ORIGINAL INDEBTEDNESS TO SAID COMPANY.. AS WELL AS I DEMAND AN ARBITRARY RESOLUTION BE SOUGHT OUT AND MEET WITHIN 15 DAYS OF SUBMISSION OF THIS COMPLAINT. OR LEGAL ACTION WILL COMMENCE AND OR OTHER MEDIUMS INCLUDING BUT NOT LIMITED TO FINANCIAL AND GOVERNMENT AGENCIES AS WELL AS LOCAL NEWS ETC. 

Sincerely, XXXX XXXX XXXX