davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-12
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 that under FCRA 605B, it's crucial to eliminate any erroneous accounts from my credit report. Would you kindly review the documents? I've observed that a significant number of the listed accounts appear to be incorrect, and this is troubling to me.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AZ)

On XX/XX/year> I sent Experian a dispute about deleting incorrect personal information that is currently reflecting on my report. I never have lived at these places and some I do not recognize at all. They have yet to process my request and have ignored it.
Consumer complaint received 2023-03-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc (GA)

I maid a purchase on XX/XX/XXXX for a phone through Xfinity mobile AND My credit wasn't high enough so they canceled it but they already took XXXX dollars as a deposit I never received my money back everytime I call each working says different things they said u received your money on the XXXX I send screen shots of the XXXX no money returned they another working says I received it on the XXXX I got screens shots on the XXXX no money return they I call again one working says give it 3 days they released the money to chime on the XXXX and still nothing I called support now she says it was giving to you I'm telling them my activity is everyday use I know if XXXX was put back and they choose to not help me like how they all come up with different dates and info I spoke to a super viser she went after I told her no and canceled my card being rude like who does these things mind you I have my amend taxes set for direct deposit there I have 2 returns from XXXX I'm yet to receive cause it's to the card they canceled they have XXXX of mine from a company I blocked last month and report as fraud. Yet the company too XXXX from me like 10 days ago I disputed it and they canceled my card with out looking into the fact I already cancel my card last month this was a new card but she wan na do it her was and talk to me last and I couldn't understand her she didn't even understand XXXX like this is american this is my money but sounds like the call center is in XXXX I feel chime is just robbing people
Consumer complaint received 2024-06-12
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. (NY)

My account with XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( 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 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 2015-11-06
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Triton Management Group, Inc (AL)

I am writing to file a complaint against XXXX XXXX XXXX in New York a debt collection agency. I called XXXX XXXX XXXX to let them know that I was mailing a XXXX dollars Cashier 's Check which someone named XXXX at the agency said that it was fine to mail in a Cashier 's Check. When I called I ended up getting the Operator of XXXX XXXX XXXX who then took matters into her own hands. When I explained to her how much money I was sending and that it was a Cashier 's Check, she then went off on me with vulgar language and threatened me with legal action. The Operator of the company then said, " We do n't accept Cashier 's Checks or Money Orders, the only form of payment that we receive are by phone using a debit card or credit card number only! '' Then I went on to explain to the female Operator of XXXX XXXX XXXX that by law any bank can take away a debit card or credit card when it has been abused! And I explained that I do n't have a debit card number or credit card number to give to XXXX XXXX XXXX. She said, " Who told you that you can mail in a Cashier 's Check?! '' I told her someone named XXXX from their company said that I could mail in a Cashier 's Check. The Operator of XXXX XXXX XXXX said, " XXXX had no business telling you that it was okay to mail in a Cashier 's Check! '' Then I told her also after coming from a Bankruptcy which my case was thrown out by the courts I have over XXXX bills to pay, so I will mail in another payment when I can. Then she used vulgar language by using the XXXX word ending in an XXXX, but I will quote what she said by putting blank in the place of the very offensive word she used. The Operator of XXXX XXXX XXXX said, " Do n't think that you can send money any blank time you feel like it! And we do n't accept less than XXXX XXXX dollars and you must be set up on a payment plan with a debit card or credit card! Or you can walk into XXXX XXXX XXXX and deposit the money into our account. '' I told her that there is not a XXXX XXXX XXXX in my area or even in the state that I live in from what I know! Then the Operator of XXXX XXXX XXXX began to argue me down by saying, " There is a XXXX XXXX XXXX in your state! '' The Operator of XXXX XXXX XXXX said, Yes it is! Yes it is! What state do you live in? '' I said, " Alabama! '' Then the XXXX of XXXX XXXX XXXX said, " Oh! Well you 're going to have to go and retain an attorney! '' I told her that I did not need an attorney. Once again the Operator of XXXX XXXX XXXX said, " You 're going to need an attorney and you are going to prison for not being able to pay Always Money! '' Then I hung up the telephone, since the Operator of XXXX XXXX XXXX upset me real bad.
Consumer complaint received 2024-06-12
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. (MI)

I never consent to share my information to a third party and I never once gave permission for XXXX to attach this type of stuff to my credit then report as an account I opened even dates, addresses, payments are all out of order but they all come from one company which is confusing and I read it reach this violations of 15USC Tila laws and disclosure agreements XXXX XXXX XXXX XXXX XXXX have dates, addresses, balances, reports dates all out of order hindered my credit too
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MS)

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 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 2024-06-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Experian Information Solutions Inc. (IL)

I was contacted by someone who said a credit card was applied for in my name. The call came from XXXX different numbers. They told me to quit paying and the credit card company would settle the debt on a different card.They also were going to charge {$4900.00} in legal fees to my card. I hung up and they tried to call me back. They said they were in XXXX FL and were affiliated with Experian.
Consumer complaint received 2024-06-12
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.
Consumer complaint received 2024-06-12
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)

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 Number : XXXX and 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 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX
Consumer complaint received 2024-06-12
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)

To whom this may concern, It my with great pleasure I want to inform you that You violated my right as a consumers! Please be awaare that ONLY fair and accurate reporting is necessary for the financial system to function! When you reports inaccurate and unfair credit reporting information, it undermines the public confidence pursuant to 15 USC 1681 ( 1 ).

Please be adviised that YOU have assume a vital role in evaluating my Credit report, you have also make sure that you respect my right to privacy! Since I resarve the right to privacy you shall not report any transactions or experience between myself and the person making the report at XXXX The only way communication ammounts other with common ownership it must be clearly and CONSPICOUSLY disclosed to me. Youre reporting information on without no proof or investiigation prior to these items being reported on my credit report.
Consumer complaint received 2024-06-12
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. (CA)

I Looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
These accounts : ACCOUNT NAME : XXXX XXXX XXXX  XXXX ACCT XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX  ACCT XXXX XXXX ACCOUNT NAME : XXXX XXXX  ACCT # XXXX ACCOUNT NAME : XXXX XXXX  ACCT # XXXX ACCOUNT NAME : XXXX XXXX  ACCT : XXXX are not complete and accurate. And one more thing 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.
Consumer complaint received 2024-06-12
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 sent a letter on XX/XX/year> to the credit bureaus requesting that the XXXX Account listed on my report be removed for multiple discrepancies and a violation of the FCRA. The bureau responded that the account was valid and updated on my report which is inaccurate and a violation of my rights.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-06-12
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 don't know how many letters have I sent your bureau to inform you I was a victim of identity theft because my concerns have not been totally resolved yet. Here I am again, disputing the fraudulent information that are damaging my file. 
Despite sending you the required FTC complaint, your bureau is still reporting the fraudulent accounts on my credit report. Let me tell you that I have contact the banks associated with these accounts, submitted to them the required documents and immediately deleted the accounts on their records. 

Additionally, other credit bureaus have already removed the accounts from their records following the submission of the the FTC. So now, I am Inquisitive of what kind of verification method your bureau did to continue reporting those fraudulent accounts. 
Account : XXXX XXXXXXXX ; Inquiries : XXXX XX/XX/2022 and XXXX XXXXXX/XX/2022.
Consumer complaint received 2024-06-12
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  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 XX/XX/year> XX/XX/year>, and XXXX XXXX  to be removed. 

They are not in compliance with the following law. XXXX5 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 2024-06-12
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. (NY)

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report.These remarks have been detrimental to my life and credit health.
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

To whom it may concern, Many of the items on my credit report originated more than 7 years ago and therefore are required by the updated laws and regulations under FCRA as of 2023. The following items include All four collections which are duplicates of other accounts, one of which was paid until my date of departure from the house. 

Please verify age of origination for all accounts and delete all of the old information from my report. It has caused me great damage for a huge portion of my life. I'm now entering my XXXX 's with XXXX children to provide for and I'm still being punished for mistakes I made in my early XXXX 's. I have paid for many accounts to be deleted. 

I have repeatly contacted all three reporting agencies over the years and still I have never been able to get these old account removed. 

Any account, past the origination age of date 7 years ( not the date of closure ) by law must be removed promptly or I will file suit against all three credit agencies and seek the maximum amount of damages allowed to me by law. Thank you kindly for reading.
Consumer complaint received 2024-06-12
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. (NJ)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NH)

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.