davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-28
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Subject : Request for Deletion of Hard Inquiry Due to Identity Verification Failure Dear Sir/Madam, I am writing to formally request the deletion of a hard inquiry made by XXXX XXXX on my credit report. This inquiry, dated XX/XX/year>, was conducted without proper verification of my identity and is therefore unauthorized. 

During the application process, there were significant issues with verifying my identity, resulting in the rejection of my application. Despite this, a hard inquiry was still recorded on my credit report. According to the Fair Credit Reporting Act ( FCRA ), any credit inquiry made without proper authorization or verification of identity is considered invalid. This unauthorized inquiry is adversely affecting my credit score and overall creditworthiness. 

The details of the inquiry are as follows : XXXX. XXXX Date : XX/XX/year> XXXX. XXXX XXXX XXXX : XXXX Enclosed with this letter, you will find the following documents to support my claim : XXXX. A copy of my identity verification rejection notice. 
XXXX. Proof of my identity ( copy of my driver 's license ). 
XXXX. Any additional relevant documentation. 

I called XXXX  support and asked that my inquiry be deleted since there isn't a way they can verify my identity after providing proof and documentation 3 times while also included my physical presence at a XXXX XXXX They said i can call experian and experian will call XXXX  to verify this deletion. I stated i did not want to do that because I heard before that XXXXXXXX XXXX will blacklist anyone for removing an inquiry which will result in the denial in any future requests for credit. Keep in mind all call are monitored and recorded. Representative name is XXXX at XXXX location. 
I request that XXXX XXXX  immediately investigate this matter and remove the unauthorized inquiry from my credit report. Yes it was authorized but failure to confirm any persons identity in the request for credit must be deleted. 
Please provide written confirmation once the inquiry has been deleted. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-04
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. (HI)

I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.
Consumer complaint received 2024-05-05
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 been going through my credit report from Experian, and i notice something are incomplete and inaccurate and also old account that have more than 5 years in the credit report that should be removed. i sent a letter to Experian XXXX of XXXX, asking then to investigate the completeness and accuracy. i receive a letter from Experian but they have didn't do nothing about it. therefore breaking the law. 

according to 15 USC 1681e ( b ) states that ( b ) Accuracy of report 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.

according to 15 USC 1681i ( 5 ) states that ( 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 shall ( i ) 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.

according to 15 USC 1681s-2 states that ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

all i want is that this inaccuracy account be delete.
Consumer complaint received 2024-09-05
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. (CA)

To whom it may concern, This account is reporting several inaccuracies. This account reported 120 days late on XXXX of XXXX then nothing in XXXX and then 150 days late, that is not possible. As stated previously the continuous inaccurate monthly reporting of charge offs beginning of XX/XX/XXXX to XXXX of XXXX, A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. This is not correct and also a violation of my rights. Because of this inaccurate information this account needs to be removed from my credit report due to not properly validating the information in which a company has passed on to you. Please delete immediately. When the requested above deletions are made, please email me an updated copy of my credit report. Account- XXXX XXXX account **** XXXX
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (CA)

Lexis Nexis Stated in the letter attached that they verified the Bankruptcy from a 3rd party ( Pacer ) Lexis Nexis and Pacer has the incapability to verify information unless they have first hand knowledge of an alleged debt or account. As you will see in my evidence directly from the XXXX office stated they do not provide any credit reporting agencies with any information. XXXX no Lexis Nexis can not validate or verify any information that is not directly being verified or validated by the original creditor. 



Please investigate the unlawful practice of Lexis Nexis and there methods of conducting investigations as the accuracy of reporting information. They are clearly not properly following the FCRA regulations as it pertains to the Privacy a consumer has a right to, and also they do not have permissible purpose or written consent.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I am writing to dispute an inaccurate XXXX late payment reported by XXXX XXXX on my credit report for XX/XX/XXXX. This error has negatively impacted my credit score. Despite providing evidence of timely payments and requesting correction, the erroneous delinquency remains. The payments made were {$3500.00} on XX/XX/XXXX for XXXX, {$3500.00} on XX/XX/XXXX for XXXX, {$880.00} on XX/XX/XXXX toward XXXX, {$880.00} on XX/XX/XXXX toward XXXX, and {$1700.00} on XX/XX/XXXX to balance out XXXX 's amount due. Not only did I pay XXXX on time, I called to bring the account current in XXXX, but XXXX Mortgage did not initiate the payment. I had to call back in XXXX to request again that the payment be made. I request your office to investigate and take appropriate action to correct my credit report. Thank you for your assistance.
Consumer complaint received 2024-05-05
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. (CA)

Recently I looked at a copy of my credit report and noticed several inconsistencies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : ( XXXX XXXX XXXX Account Number XXXX )
Consumer complaint received 2024-06-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY (GA)

American Express XXXX XXXX XXXX XXXX XXXX, TX XXXX {$160.00} I have notified American Express that I am not paying this account. Under Federal Law 15 USC 1692c, American Express and XXXX are required to delete this collection. They have not deleted yet.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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 2024-07-01
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (AL)

Synchrony Bank has a pattern and practice of fraud. I am being charged on balances that have been paid in full. I have paid balances in full and have specifically instructed certain amounts to be applied to certain promotional transactions, and even though it was confirmed, the payments were not applied properly and my requests to correct them have been ignored. I am being charged interest on transactions that were paid in full prior to a promotional period expiring. I am not able to view any statements to verify the balance owed which I have calculated to be XXXX. On XX/XX/year> I made a payment of {$930.00} and instructed the rep to apply it to a promotional amount of XXXX to stop the bleeding on the flat rate/promotional interest rate and it was not done. Not only was it not done, I'm still paying interest ion that amount!! I even called a second time and was told " don't worry '' BS to the don't worry. And it raises red flags as to why statements aren't available!
Consumer complaint received 2024-05-05
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. (CA)

in accordance of Fair Credit Reporting act XXXX XXXX account XXXX XXXX  XXXX is in violation of 15 U.S.C. 1681
Consumer complaint received 2024-05-05
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. (PA)

Dear Sir or Madam, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate information every step must be taken to ensure the information reported is completely accurate and correct. 

The following information therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX The listed inquiries were without authorization, and no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last 6 months or the last two years for employment purposes. 

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 XXXX XX/XX/XXXX Thank you.
Consumer complaint received 2024-05-05
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. (IN)

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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX. 
Account name : # XXXX. 
Account name : # XXXX. 
Account name : # XXXX. 






However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-05-05
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 am writing to bring to your attention an issue with my credit report that I recently discovered. Upon reviewing my credit, I have found several companies listed on my report that I have never had any business with. As I have not given anyone permission to conduct any kind of business on my behalf, it leads me to believe that my identity has been stolen. 

I have attached a list of the companies in question, along with a copy of my identification for verification of my identity. I have also filed a report with the Federal Trade Commission ( FTC ) regarding this identity theft. 

I would greatly appreciate it if this issue could be resolved immediately as it is imperative for me to be in the best possible position to provide for my family. I have taken the necessary steps to report this crime and would like to request your assistance in removing these fraudulent accounts from my credit report. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-05
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. (TN)

Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

My student loans were forgiven XX/XX/year>. They are still on all of my credit reports showing a balance and that they are still in open status. I would like all three credit reports to show all of my XXXX accounts paid in full and closed.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

My account with XXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 60 days 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 XXXX
Consumer complaint received 2023-12-05
Product: Credit card — Store credit card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TD BANK US HOLDING COMPANY (NY)

To whom it may concern : On XX/XX/XXXX I paid my bill under the above account number via the website. In my haste to pay my bills, I inadvertently selected the wrong account to pay the bill for XX/XX/XXXX. I was alerted to this minor discrepancy via a letter on XX/XX/XXXX that the payment was returned due to insufficient funds. I quickly got back on the website and set up a new payment with the correct account. The payment was submitted with more than enough time to keep my account in good standing with no late payments. As of XXXX XXXXXX/XX/XXXX, I was alerted to a major decline in my credit score and a repotted bounced check on my score. In looking into this I found my credit limit was decreased well below what the balance is on the account in what I can assume is a punitive measure on the bank 's part for an account that is in good standing and has never been late. Further, this oversight could have been fixed with a phone call or an email given the time frame of the due date. Today I called the customer service line at XXXXXXXX XXXX After a long hold, I talked to the first call taker XXXX XXXX XXXX ) who could offer no rhyme or reason as to why my account was treated in such a fashion. XXXX then put me in touch with XXXX who stated she was a supervisor. XXXX couldn't care less what I had to say and offered nothing but to call the credit department and seek to increase my credit limit which is counter-intuitive to keeping a good credit score. XXXX then hung up on me without even connecting me to the credit department. I then spent the next hours trying to get back in contact with someone that would help me. After XXXX separate attempts with an hour hold and one transfer to the mortgage department, I was connected with XXXX. XXXX unlike XXXX had the decency to listen to what had taken place and at the end of my explanation of what had taken place was baffled as to why the bank and its systems would have taken such a punitive sentence for an account in good standings and that has never been late. XXXX provided me with the format to seek upper management and connected me to the credit department and to XXXX. XXXX, like XXXX, was unprofessional and offered no meaningful customer service. In closing, I hope whoever in upper management can fix this unfair reporting to my credit file and dreadful customer service that cost me XXXX hours of calling time. Now my credit file is dinged XXXX or more points and the bank has turned my credit on this account 109 % over limit for nothing. 

Respectfully, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent certified mail with license proof of address and social card. My credit report contains many old address or unknown address that does not have to appear per FCRA.my credit report should be 100 % accurate. i informed you of this. you refuse to remove the old outdated address. Its affecting my score and thats affecting my life financially and mentally. 
Name-XXXX XXXXXXXX DOB-XX/XX/XXXXEmail-XXXX addressXXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX phone # XXXX social # XXXX please remove my work history on my credit report. its not lawful, i sent proof of verification before and i now have to go through the CFPB for help. please send me a copy of my report after all the changes have been updated.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

According to FCRA 605B, you are required to delete any erroneous accounts from my credit report. This account has been incorrectly reported on my credit file, so it needs to be removed. I should receive {$1000.00} for each mistake on my credit file.