davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My accounts 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 to be removed/updated.

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.

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!
Consumer complaint received 2024-04-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2024-01-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (VA)

I want to acknowledge your efforts in removing some of the disputed accounts from my credit file, following my previous dispute. However, I wish to address my confusion and concern as there are still discrepancies on my credit report that remain unresolved, despite being successfully rectified by other credit bureaus. The following accounts are still inaccurately reported on my credit file : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXXXXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX. I want to emphasize that these accounts have already been removed by the other credit bureaus. I have attached the necessary documentation to support my claims, and I request a thorough investigation to correct these inaccuracies promptly. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ).
Consumer complaint received 2023-10-27
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY (UT)

Identity theft - someone opened a credit card ( XXXX  XXXX credit card through TD Bank ) using my name, address, SSN, phone number from my parent 's house when I was a kid. I was notified by email, and by an email from Identity Theft that TD bank had run a credit check through XXXX. They then ordered a {$10000.00} gold chain necklace through XXXX XXXX, to be delivered to my name at an address on the other side of the country.
Consumer complaint received 2024-08-03
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. (CA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture, a bill, and and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ). I kindly request that you block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit reporting Act, I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required by the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-04-13
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 demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts.15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions, 15 U.S.C 1666B. I have sent multiple disputes with either no response or a response ignoring my request. Please provide proof that I consented to the furnishing of the listed accounts. You have yet to provide me any proof that I consented to this information being displayed on my credit report OR remove from my credit report.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I paid affirm off every time I dispute they lie and say the information is accurate they have lowered my score more than XXXX points they argue about my payments, I want this inaccurate information removed immediately they are destroying my credit every time I try to report it as paid they are very rude
Consumer complaint received 2024-01-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I hope this letter finds you well. I am writing to bring to your attention an issue concerning my credit card account, specifically regarding late payments that have been reported to the credit bureaus. 
I recently reviewed my credit report and noticed that there are late payments recorded on my account. After careful examination of my financial records, I have identified discrepancies in the reporting of these late payments. I believe there may be an error or misunderstanding, and I would like to request your assistance in rectifying this matter. 

XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative. 

I kindly request that you investigate this matter and, if appropriate, correct the information on my credit report to accurately reflect my payment history. If there were any oversights or errors on my part, I would appreciate your guidance on how to address and rectify them. 

I appreciate your prompt attention to this matter and kindly request that you provide me with written confirmation of the resolution once the investigation is complete.
Consumer complaint received 2024-04-13
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)

I have called the reporting agencies and let them know there was so many things wrong with my report like First off the accounts included below are not supposed to be visible on my consumer report. 
I have recently been denied employment and also denied financial assistance due to these companies reporting accounts without my written consent. This has caused me great hardship and I believe this is against my Federal rights. 
This is Aggravated Identity Theft 18 U.S Code 1028A and I demand this be deleted from my report Also how are they even reporting this on my report when the information reporting is inaccurate. Under 15 US code 1681e ( b ) and 15 US code 1681i ( 5 ) these accounts are in violation and once again needs to be DELETED!!!
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

According to the FCRA. 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 have responsible cause to believe that the information is inaccurate. I have filed several complaints with the CFPB also with the federal trade commission about this violation of my rights. This credit reporting agency has failed to do a investigation according to the guidelines of the FCRA. The accounts listed below are the accounts in question. 
XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX I have filed serveral disputes with these companies and they still continue to VIOLATE my rights.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IN)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXXXXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 4 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/20XXXX XXXX
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-01-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I regret to inform you that I can not accept your decision to dismiss my identity theft claim by attributing it to an error or a misrepresentation of material fact. It raises serious concerns as to how and why you possess the authority to determine what constitutes a material fact. It's worth noting that your role does not grant you the powers of a judge or jury, nor any inherent right to make such determinations. I was the victim & Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests According to the guidelines set forth by the Federal Trade Commission ( FTC ), when an FTC identity theft report has been filed with a law enforcement agency ( which the FTC itself is ), the protocol is to adhere to the law and investigate accordingly. 

XXXX XXXX XXXX XXXX XXXX FRAUD, PLEASE DELETE!!!! 
XXXX XXXX XXXX FRAUD, PLEASE DELETE!!!! 

I am willing to grant you one final opportunity to process my request concerning my identity theft. Failure to do so will compel me to seek legal recourse through the judicial system. In such a scenario, you will be held accountable for the damage caused to my reputation, credit, and the emotional distress I have endured throughout this ordeal. It is highly likely that what constitutes a material fact will become abundantly clear during legal proceedings, and you may be required to compensate me for your negligence.

Please manage your responsibilities accordingly.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

Hey, XXXX  name is " XXXX XXXX XXXX '', I have noticed that I have had XXXX XXXX, and XXXX  XXXX  on XXXX XXXX report that does not belong to me. It has impacted XXXX  deeply and has hurtled XXXX. The consumer report agencies have validated the consumer laws that was passed by XXXX. XXXX XXXX XXXX XXXX. Meaning that they never received my consent on a hardcopy. Giving them permission to furnish on my consumer report. XXXX XXXX XXXX XXXX XXXX " blockage of information ''. This consumer law gives XXXX  the authority to tell the information that I wish to be requested to be deleted on XXXX XXXX report. And it must happen within XXXX business days. Due to XXXX  filing my XXXX Report. This law states that if XXXX  file a police report through the XXXX, it must be removed.
Consumer complaint received 2024-01-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I have recently discovered that XXXX has already updated the negative status and removed the late dates associated with this account from their records. It has come to my attention that there was an error present, and XXXX was able to identify and rectify it. I am confused about how this discrepancy exists, considering the other bureaus have successfully updated the information. I kindly request that you promptly investigate and rectify the inaccuracies in the reporting of this account. Specifically, I am seeking the removal of late dates and the update of the negative status to reflect accurate information. This discrepancy is not only inaccurate but also erroneous, incomplete, and unverifiable. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Consumer complaint received 2024-04-13
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. (CA)

I reported to the FTC, providing them with my file number XXXX, regarding a fraudulent collection on my account attributed to XXXX which appears as " Transformed Credit Inc '' on my Experian report. This closed account, which was never mine, has been persistently listed despite my requests for its removal. It's worth noting that this account was the one sent to XXXX 

Additionally, I've flagged several unauthorized inquiries on my credit file that need to be deleted. These include entries from XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX Credit on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX 's XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX on XX/XX/XXXX. None of these inquiries were solicited or authorized by me.
Consumer complaint received 2024-01-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I have carefully reviewed my credit report profile, and I believe that the information reported by your bureau has failed to maintain reasonable procedures to assure the maximum possible accuracy, as mandated by credit reporting laws. The following information requires immediate reinvestigation, as it is entirely inaccurate and incomplete. I respectfully request that you provide proof of the alleged items, including the contract, note, or any other instrument bearing my signature. In the absence of such documentation, I insist that the items be promptly deleted from my credit report to ensure compliance with the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681. The inaccurate items in question are as follows : XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. In accordance with FCRA 15 USC 1681, I expect your bureau to take every necessary step to assure the accuracy and correctness of the information reported in my credit profile. Furthermore, I request that corrected credit profiles be supplied to all creditors who have received a copy within the last XXXX months, or the last XXXX years for employment purposes.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX