davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-29
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)

I was a victim of identity theft on XXXX 2020.I am going to provide you with local police report and ftc report.Some one stole my identity and they open up some credit card accounts.They are damaging my credit.Please help to remove these negative accounts from my credit report. 
1-XXXX XXXX XXXX  opened on XX/XX/year>2020 2-XXXX XXXX  XXXX opened on XX/XX/year>2020 These accounts not belong to me. 
I need to buy my house very badly and i can not get a mortgage because of these negative itmes. 
Here is my local police report # XXXX Thank You.
Consumer complaint received 2024-05-29
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. (MO)

Experian is reporting fraudulent activity on my credit report on XX/XX/XXXX from XXXX XXXX XXXX contacted the agency and asked for proof that i authorized them to run a credit check on my profile. they have failed to response and provide these documents or proof as of XX/XX/XXXX, Experian is still reporting fraudulent activity on my report that i do not recognize.
Consumer complaint received 2024-05-29
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)

I am writing to express my ongoing frustration and concern regarding the failure to remove fraudulent items from my credit report. Despite my previous four attempts to address these fraudulent items, they remain on my credit report, significantly impacting my creditworthiness and causing undue financial and emotional distress. I have diligently followed the procedures outlined by the Fair Credit Reporting Act ( FCRA ), including submitting police reports, affidavits, and other supporting documentation to the credit reporting agencies. However, the agencies have not taken the necessary steps to investigate and remove these fraudulent items. 

The continued presence of these fraudulent items on my credit report has resulted in numerous negative consequences, including denial of credit opportunities, increased interest rates, and significant stress. Please help me remove these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc. (CA)

On XX/XX/year> I checked my Experian consumer credit report and noticed 2 XXXX XXXX XXXX XXXX accounts that don't belong to me. I filed a police report with the XXXX police department ( attached ) and FTC Identity theft report with the reference number XXXX. 
15 U.S. Code 1681c2 - Block of information resulting from identity theft is the applicable law.
Consumer complaint received 2023-08-17
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)

There is an UNAUTHORIZED/FRAUDULENT inquiry ( XXXX - XXXX XXXX XX/XX/2021 ) on my credit report. I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately.
Consumer complaint received 2024-05-29
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. (MA)

To whom this may concern, while checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the fair credit reporting act section 1681 ( b ) ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you main under my social security number. 

XXXX XXXX XXXX XXXX XXXX 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 2018-12-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (WA)

On the XXXX of every month my mortgage payment is deducted from my account and sent to the mortgage holder. About two weeks later I receive a letter saying my payment was late and late fees are added. This goes on every month, even though I can show the payments being made and a confirmation number. I've called these people several times and I just get transferred from on person to the next, nothing gets resolved. My previously excellent credit is ruined. I need to put a stop to this somehow.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-05-29
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)

XXXXXXXX XXXX XXXXXXXX Account number XXXX Notice to agent is notice to principal notice to principal is notice to agent. 15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. I pulled my Consumer reports from Experian and I notice you have furnished an account there as a charge off XXXXXXXX XXXX XXXXXXXX. An account can not be a charge off and a collection at the same time! A charge off is a cancelled debt where a form XXXX must be issued to the consumer! How can you collect on a canceled debt? The collection on a cancelled debt that has been charge off constitutes tax fraud and the matter will be reported to the IRS! I will be filing a Form 3949-A Charge off definition : Charge-off. Write off of a debt and termination of servicing activity without release of liability. A charge-off is a decision by the Agency to remove debt from Agency receivables , however, future payments may be received. Write off : a write-off of debt is cancellation of a debt in the account books of a creditor. When a creditor writes off a debt and charges the debtor on the extra amount after the written off debt, it can be taken as evidence that the debtor is discharged from that written off debt. cancellation of a debt : https : XXXX XXXX XXXX XXXX XXXX Affect Taxes? The IRS considers most forms of forgiven, canceled or settled debt as income for tax purposes. If the amount of your canceled debt is more than {$600.00} and it's considered taxable, the lender is required to send you a XXXX form, which includes the cancelled amount that you'll need to report.
Consumer complaint received 2018-10-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Neon Newco Corporation (NY)

Today my direct deposit XX/XX/XXXX didnt come Im worried my other paycheck for the new job I started will not make it in time. XX/XX/XXXX called no eta on when my money will arrive
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I have on numerous accounts attempted to correct a typo that has been created by an agency. They have the incorrect social security number that has now been placed as mine and causes rejection as well as hindrance and sometimes even suspicion flags when being pulled. This has been an issue for years and I am told the only way is to send the original documents which I simply refuse to do. I am now reaching out to this service to seek help.
Consumer complaint received 2023-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (PA)

Barclays bank Athleta card. There is a {$650.00} amount showing from XXXX XXXX charges. 

I have never had XXXX XXXX and was told this was taken care of back in the late fall of XXXX. The charges continue to be on the account. I was told credits were issues and the balance on the account was {$0.00} ; however then I was told that there were all of the fees with penalties. 

I have been told many conflicting things and this continues to be a major source of frustration. If you can help I would greatly appreciate it. I have considered paying this in full but the charges are fraud and that feels wrong to do. It has caused me a lot of lost hours on the phone trying to figure it out and has caused a lot of undue mental stress.
Consumer complaint received 2024-05-29
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)

XXXX XXXXXXXX XXXX Account number XXXX Notice to agent is notice to principal notice to principal is notice to agent. 
Experian, XXXX you reported alleged transaction that you identified as late is validated. You have no proof that this alleged transaction was late. 
15 U.S. Code 1666b - Timing of payments ( 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.

In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date.

20 15 USC 1637 ( b ) is very specific on all required information need or that must be mailed or delivered to the consumer
Consumer complaint received 2023-08-28
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 have sent in the necessary documents to Experian credit reporting agency, to block the fraudulent remarks off of my credit report and to my surprise, their specialized fraud department just told me over the phone today that they decided not to block the fraud items off of my report, stating that my documents have not been processed to my file, and I've sent them weeks ago so i don't believe that. I have sent them exactly what the laws from XXXX site advises consumers to send in to the reporting agencies when a victim of i.D theft. And i will attach all that I've sent them as well to this complaint. I need Experian 's fraud department under surveillance now as we can clearly see that they are willingly violating consumers right without hesitation or deep thought for their own monetary gain. Under FCRA 605 ( B ) law, states : ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. And i've clearly sent all that was needed with the request to Block items under this section. I did my part. They need to do theres. Otherwise ill be opening litigation, immediately.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (GA)

I have received notifications in the past in regards to possible theft and identify breaches. I also was charged overdraft protections on my accounts and I believe that they owe me money in regards. I am no longer a customer but I did suffer through the identify theft breaches and overdrafts during my years of banking with the company.
Consumer complaint received 2024-05-29
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)

To whom it may concern, I had a XXXX card which i had closed in XXXX. They had agreed to remove this account from my credit reporting profile as long as I paid in full which i did. For some reason they never did this. I recently tried to call in XX/XX/XXXX they said they would remove it and stilll have not done so.
Consumer complaint received 2024-07-17
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. (NJ)

My account with 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 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 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 2024-05-28
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)

PLEASE BLOCKED AND REMOVED Kindly expunge these fraudulent accounts from my credit report, as they are not mine and were unknown to me. Per USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.
Consumer complaint received 2024-05-28
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)

i have been trying to get these fraud accounts from my report for months and you guys never removed always say its verified these accounts Are not mine and its making it hard for my family i am a XXXX veteran wrongly accused if nothing changes my Congressman will be contacted remove these fraud accounts as by law require you to do so
Consumer complaint received 2024-05-28
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. (MD)

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.

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 2024-05-28
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)

XXXX XXXX reported a car loan on my credit report for account number beginning XXXX, opened on XX/XX/year>, even though my wife owns the car and is the primary lienholder. According to the definition of cosigner in 15 USC 1650 ( a ) ( 1 ), a spouse is excluded as a possible cosigner. Therefore, the loan should ONLY show on my wife 's credit report ( which it does ) and should be removed from my credit report. Furthermore, 15 USC 1681 section 604a section 2 states that a consumer reporting agency may furnish a consumer report only per the written instructions of the consumer to whom it relates. '' XXXX XXXX and the credit bureaus do not have my consent to furnish this information, written or otherwise. Any consent to XXXX, Experian, XXXX or to XXXX XXXX, whether it be verbal, non-verbal, written, implied or otherwise, is revoked.
Consumer complaint received 2024-05-28
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)

PLEASE BLOCKED AND REMOVED It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.
Consumer complaint received 2023-06-24
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: Experian Information Solutions Inc. (CA)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from 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
Consumer complaint received 2024-05-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2024-06-24
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. (NV)

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 2024-05-29
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. (FL)

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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