davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-03
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. (NC)

I pulled a copy of my credit report and noticed a fraudulent account. 

XXXX XXXX XXXX | XX/XX/year> : Identity theft happened. Remove account. The FTC said I had the right to dispute this account. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I have been a victim of Identity Theft. The following accounts are fraudulent : To protect myself from further harm, I have filed a police report and an Identity Theft report. ( See attached reports. ) These fraudulent accounts were not authorized by me. 

PLEASE REMOVE ACCOUNTS FROM CREDIT REPORT. THESE ARE NOT MINE. I FILED A POLICE REPORT YEARS AGO REPORTING THIS MATTER.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I am writing to address several inaccuracies on my credit reports that need immediate correction. 

XXXX. XXXX XXXX XXXX XXXX This account is showing as closed and needs to be removed immediately as it was paid in full and should no longer be on my credit profile. 
XXXX. XXXX XXXX XXXX : This account is closed and should not be reflected on my credit report at all. 
XXXX XXXX XXXX XXXX  : This account was a collection that has been closed and paid in full. I have submitted proof of this several times, yet it still appears on my credit report. 
XXXX. XXXX XXXX XXXX XXXX This account has been closed for a while, but it still inaccurately reflects as open on my credit report. 
XXXX XXXX XXXXXXXX XXXX This account is also closed and should not be reflected on my credit report as it is inaccurate. 
XXXXXXXX XXXX : This account is closed and needs to be removed from my credit report as well. 

I have made multiple attempts to dispute these inaccuracies, but they remain uncorrected. I am requesting that these accounts be removed or updated to reflect their true status immediately. Thank you for your attention to this matter.
Consumer complaint received 2024-07-03
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. (NJ)

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 2023-10-04
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I applied for a USAA credit card on XX/XX/2023 and was denied. Regardless of the reason for being denied. I have the RIGHT to credit. Withholding my access to my XXXX XXXX XXXX fraud. USAA is violating The Equal Credit Opportunity Act and Consumer credit Protection Act. 
Since You are denying me access to MY credit, please retract my application. 

Thank you, XXXX, XXXX XXXX XXXX for XXXX XXXX XXXX
Consumer complaint received 2024-07-03
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. (IL)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6. Which states I have the right to privacy and consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-07-03
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. (WI)

In accordance with the fair credit reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy an confidentiality under 15 USC 1681. 

I told Experian, XXXX, an XXXX to reinvestigate these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OH)

In accordance with the Fair Credit Reporting act XXXXAccount # XXXX, XXXX/Account # XXXX and # XXXX ( XXXX  XXXX ), XXXX XXXX XXXX/Account # XXXX XXXX 
XXXX, XXXX, Equifax. has violated my rights 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
Consumer complaint received 2024-07-03
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. (MD)

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 2024-07-03
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. (DE)

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 2024-07-03
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. (IL)

I recently reviewed my credit reports, and I noticed these inaccurate and inconsistent accounts. 
According to 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Additionally, 15 U.S.C. 1681b ( a ) ( 2 ) stipulates that a consumer reporting agency may not furnish a consumer report without my written instructions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am a Veteran in the United States Army. I am also in the process of purchasing a home for my family and this is hugely affecting me, in a negative way.
Consumer complaint received 2024-07-03
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. (TX)

ON EXPERIAN ON THE CLOSED ACCONT NAME XXXX XXXX XXXX XXXX ACCOUNT # XXXX THEY CLAIM THAT IT WAS VERIFIED I WRITTEN A LETTER STATING ON HOW THEY VERIFIED MY ACCOUNT UNDER UNDER 15 USC 1681 I7 A CONSUMER REPORTING AGENCY GOT TO PROVE THAT A CLOSED ACCOUNT OR A COLLECTION OF HOW THEY VERIFIED IT IN 15 DAYS. AND EXPERIAN CLOSE MY ONLINE ACCOUNT LAST MONTH TO WHEN I LOGIN I COULDN'T SEE NO SCORES NO COLLECTION NOTHING AT ALL FOR A WEEK ALMOST BECAUSE I BEEN USING MY CONSUMER LAW RIGHTS.. UNDER 15 USC 1691E IF A CONSUMER USES CONSUMER LAWS TO FIX HIS CREDIT REPORT IF A CREDIT REPORTING AGENCY TAKES ADVERSE ACTION AGAINST ME AND CLOSE MY ONLINE ACCOUNT IS CLASS ACTION CASE ON WHAT PURPOSE CANT GET FUNDING FOR MY BUSINESS I GOT A LLC FINES UP TO A MIUMMIUM OF {$500000.00}. I GOT PROOF OF THE ADVERSE ACTION AGAINST ME IF IT CONTINUES WILL RESULT IN LEGAL ACTION TO THE CONSUMER REPORTING AGENCY. EXPERIAN AND XXXX GOT THESE VIOLATION OF ADVERSE ACTION AGAINST ME. AND ON EXPERIAN IT SAYS CENTER POINT ENERGY WAS PAID OFF ON THEIR WEBSITE AND I LOOK IT SHOW 'S THAT I OWE A BALANCE ON IT SO THE INFORMATION ON THE CREDIT REPORT IS FALSE FALSE CREDIT REPORTING VIOLATION FDCPA 15 USC SECTION 1692E A DEBT CONSUMER REPORTING AGENCY MAY NOT USE ANY FALSE DECEPTIVE OR MISLEADING REPRESENTATION OR MEANS IN CONNECTION WITH ANY DEBT IS A VIOLATION.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NE)

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 months that are reported 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 2024-07-03
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. (NC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-07-03
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. (MS)

I am writing to express my deep concern regarding several disputed accounts on my credit report. Despite multiple attempts to address these inaccuracies and request thorough investigations, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file, hindering my ability to lead a normal life, and causing immense hardships. 

The negative impact of these inaccuracies has been profound, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a comprehensive investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file, allowing me to regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-07-03
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. (TX)

I GOT A MESSAGE ABOUT MY XXXX ACCOUNT IN A EMAIL IT SAYS THAT MY ACCOUNT # XXXX WAS CLOSED AND A GUY NAME XXXX THAT WORK THERE HE ASK WHY DID DISPUTED IF I DIDN'T WANT THE ACCOUNT CLOSE NO THE MESSAGE HE SAID SOMETHING ABOUT EOSCAR UNDER 15 USC 1681-1681X UNDER THE FAIR CREDIT REPORTING ACT THE CONSUMER REPORTING AGENCY VIOLATED MY RIGHTS SOME HOW EOSCAR MADE A MISTAKE TO GET MY TRADELINE CLOSE IT HAD SOMETHING TO DO WITH XXXX THEY TOOK ADVERSE ACTION AGAINST ME FOR FILING A DESPUTE FOR INCORRECT DATES ON A TRADE LINE UNDER 15 USC 1691E IF A CONSUMER USES CONSUMER LAWS TO FIX HIS CREDIT REPORT IF A CREDIT REPORTING AGENCY TAKES ADVERSE ACTION AGAINST ME AND CLOSE MY ONLINE ACCOUNT IS CLASS ACTION CASE ON WHAT PURPOSE CANT GET FUNDING FOR MY BUSINESS I GOT A LLC FINES UP TO A MIUMMIUM OF {$500000.00} AND ALSO ON EXPERIAN THERE XXXX NO CLOSING DATES ON IT UNDER 15 USC CODE1681I PROCEDURE IN CASE OF DISPUTED ACCURACY BY IT HAS NO CLOSING DATE IS A VIOLATION
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

To Whom It May Concern, I am writing to file a formal complaint against Experian regarding their refusal to investigate a credit dispute I submitted. Despite providing all necessary documentation and information to verify my identity and the legitimacy of my request, Experian has failed to proceed with the investigation, causing undue delay and financial burden. 

On XX/XX/year>, I sent a certified letter to Experian containing all required information and documentation to open a dispute for inaccuracies on my credit report. The certified mail tracking number for this correspondence is XXXX. I have attached the certified mail receipt and a copy of the dispute letter for your reference. 

In response, I received an email from Experian on XXXX ( attached ) claiming that my dispute request did not appear to have been sent directly by me or authorized by me. This baseless claim has caused significant delays in addressing the inaccuracies on my credit report, which negatively impacts my creditworthiness and financial stability. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have inaccuracies on my credit report investigated and corrected within a reasonable timeframe ( 30 Days ). By dismissing my legitimate dispute without conducting a proper investigation, Experian is violating my rights under the FCRA. This deliberate obstruction appears to be an attempt to waste consumers ' time and resources, discouraging them from pursuing legitimate corrections to their credit reports... 

I request the Consumer Financial Protection Bureau to intervene and compel Experian to : - Initiate and complete a thorough investigation of my credit dispute as per the documentation provided. 
- Ensure that any inaccuracies on my credit report are corrected promptly. 
- Prevent further delays and obstructions in handling legitimate credit disputes from consumers. 

Please find attached copies of the certified mail receipt, the dispute letter sent to Experian, and the email response received from Experian. I appreciate your support and look forward to a resolution that upholds my rights as a consumer. 

Thank you for your assistance.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CT)

My account with ( XXXX, 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 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 2024-07-03
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. (GA)

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 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four 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 2023-10-04
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 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. 
I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-07-03
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. (NJ)

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX # XXXX XXXX # XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) # XXXX XXXX # XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! I will never stop filing complaints against you because I know my rights! 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. 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.