davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act ( FCRA ), the creditor XXXX XXXX has violated my rights under the following provisions : 15 USC 1681 Section 602 : This section grants me the right to privacy.

15 USC 1691 Section 604 ( a ) ( 2 ) : A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666b : A creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late. 
Due to these violations of my consumer rights, I am demanding that Experian, update my 60-day late payment on XXXX to " never late '' and correct my payment history to " OK. ''
Consumer complaint received 2024-05-17
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 this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (GA)

I was trying to get some information on what I was paying, why, and the payoff amount for this loan. When I could not get any information due to the fact that the company Citizens could not verify who I was. I called in for over a month trying to get this issue cleared up only to be put on hold and later hung up on. Finally I got a call from a manager that explain that my birthday had been put in the system incorrectly, and did not match the record that Citizens had on file. I was told this issue was contributed to when the account was open, but I know that not to be true due to the fact I have called in and spoke in reference this account before this issue occurred. Soon a this issue was corrected in reference the incorrect information, I called in and made the payment that very same day I was promise a copy of the incident for my record which I spent even more time and phone calls to Citizens before I receive the statement. Then I received a notification stating that the payment was 30 days late from XXXX XXXX XXXX I want this account removed from my credit reports due to the fact that I do not trust this company or how the do business, or at very lease changed to paid as agreed due to the fact that their system was incorrect and not allowing me access. I will be uploading a letter from the XXXX of the XXXX. Thanks for taking the time to review.
Consumer complaint received 2024-05-17
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)

Recently, I did an investigation on my credit report and found several items in there to be inaccurate. 

EXPERIAN XXXX XXXX AND XXXX XXXX : XXXX Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ). In general if, after any reinvestigation under paragraph ( XXXX ) 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 shalli ) 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.
Consumer complaint received 2024-05-17
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)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2023-04-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Block, Inc. (CA)

I had 2 charges on my cash app card and both merchants I received no service from of product from XXXX requested to cancel both transaction to the merchant and o had forwarded that to cash app but cash app referring it as a unauthorized I never said it was unauthorized I said I never received order or service from both merchant and cash doesnt have the evidence to support their denial of my claim
Consumer complaint received 2023-11-02
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: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-02
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: EQUIFAX, INC. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong. 
Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that. 
Also according to 15 USC 1681 s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2023-09-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (CA)

I opened a checking account with Wells Fargo branch in the XXXX XXXX area, I had a fraud garnishment, a spoof, bank robber they withdrawn money from my account someone send them a fraud garnishment child support that had been removed expunged for 10 years it keep causing a data breech in their system.
Consumer complaint received 2024-05-18
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. (AZ)

IN ACCORDANCE WITH THE FAIR CEDIT REPORTING ACT, THE ACCOUNT BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC UNDER 15 USC 1681. XXXX XXXX XXXX : ACCOUNT # XXXX 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 AN ACCOUNT WITH OUT MY WRITTEN INSTRUCTIONS. 15 U.S.C 1681C. ( A ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AFENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHR ADVERE ITEM OF INFORMATION OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAT SEVEN YEARS. 15 U.S.C. 1681 S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER REPORTING AGENCY IF GTHE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE. ATTACHED ARE CURRENT REPORTS FROM ALL THREE BUREAUS SHOWING DATE OF LAST ACTIVITY RECORDED INACCURATELY. THE XX/XX/90 LATE PAYMENT RECORDS ARE DIFFERENT AND INACCURATE. XXXX SHOWS CURRENT PAYMENT STATUS AS 60 DAYS. XXXX REPORTS IT AS 30 DAYS. EXPERIAN REPORTS THIS SAME STATUS AS AGREED. EACH OF THE THREE REPORT PAYMENT HISTORY OF SAME ACCOUNT DIFFERENTLY. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  EXPERIAN 80 %. AGAIN, FOR THE SAME ACCOUNT. I am writing to urgently dispute inaccuracies on my credit reports with XXXX, XXXX, and Experian. These inaccuracies are critically damaging my finances and severely affecting my ability to purchase a new home for my family. The inaccurate information is causing significant harm to my credit score and, consequently, my financial stability. I request that all three credit bureaus promptly investigate and correct these inaccuracies to reflect my true credit history. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-05-17
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)

I am not liable for this debt with XXXX XXXX. I do not have a contract with the collection agency. XXXX did not provide me with the original contract as requested. Credit reporting agency did not verify contract. 

Credit bureaus are required by [ FDCPA ] to repair or delete any information that can not be confirmed.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX XXXXXXXX in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-05-18
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)

On XX/XX/2024 The Credit bureaus stated Account Name & Accounts, was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 
I haven't given these accounts written permission to furnish these accounts on my credit report - XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX - XXXX  XXXX XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX XXXX ACCT # XXXX -XXXX XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXX
Consumer complaint received 2024-05-18
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)

This Account was charged off on the following date XXXXXXXX XXXX YEAR OF FIRST CHARGE OFF. Since then, this account has been updated as charged off again XX/XX/2024. This is an update in payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account. 

XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

My account with TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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.

TRANSUNION 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 XXXX reports
Consumer complaint received 2023-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. I do not consent to an electronic communications. I request all responses be in writing through the USPS.

These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be updated : XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX 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.
Consumer complaint received 2024-05-18
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. (DC)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

Company XXXX has received disputes regarding 2 accounts reported to the consumer report. XXXX has provided the nature of the purchases and the amounts per each transaction. XXXX has indicated on prior Calls in the months of XXXXXXXX XXXX, that the accounts were both charged off. When advised for proof of the charge off documents the company has not corresponded in providing the information.XXXX  advised the accounts were sold to a third party collection agency named ; XXXX. After speaking with several representatives from XXXX the company provided on XXXX XXXX that the company received an email and submitted a cease and desist letter for the accounts to stop all collection and advised the information was forwarded over to XXXX. XXXX has inaccurately furnished the report for several months all without stating to mention the collection agency they allege has the accounts in fact do not report to the collection agencies. I have attached all information pursuant to the conversations with several representatives from XXXX. I will like to advise XXXX has never been reported as the collection agency reporting on my credit report. XXXX has furnished the report inaccurately verifying false information reporting to the consumer report acting as if their is still an account with them. All parties pursuant to this dispute are responsible for the inaccuracy. This is and is not going unnoticed. As indicated I have attached information pursuant to the dispute and request all parties to fix these errors.I have disputed the inaccuracy of the information with the reporting agency Experian on several occasions sending proof of the same information attached. I am requesting all errors be corrected.
Consumer complaint received 2024-05-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BILL.COM, LLC (NV)

On or about XX/XX/year>, without my authorization, XXXX  XXXX XXXX dispersed {$5900.00} from my account number XXXX  to Bill.com ( formerly divvy aka " bill '' ) and since that date has wrongfully refused to make set amount available to me. XXXX  XXXX XXXX dispersed these funds to a company called bill. This company claims I applied for a loan with them on behalf of my business. I did not apply for a loan with bill. I have been a victim of identity theft. Bill did not check ID for the applicant and XXXX  XXXX XXXX did not conduct an investigation. XXXX  XXXX XXXX and bill are simply agreeing with one another without conducting an investigation. Bill has provided some of the original application. Bill has refused to provide statements. Bill has refused to provide written proof of all communication with the identity thief to include emails and texts, as requested. 
I had never heard of bill ( Bill.com formerly XXXX ) until XXXX  XXXX XXXX dispersed funds to them without my knowledge. Bill is now stating I owe them {$11000.00} more and that they will settle with me by retaining the {$5900.00} and waiving the {$110000.00} provided I do not speak of their company ever again on any platform.
Consumer complaint received 2024-05-18
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)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XX/XX/XXXX and XX/XX/XXXX ) XXXX XXXX account XXXX Open XX/XX/XXXX Im now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your prompt action.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-06-24
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

Hello, On XXXX XXXX XXXX I sent the first of many letters to all three credit bureaus Equifax, XXXX  and XXXX in regards to verifying the accounts on my credit report. I requested that they please send me copies of the documents they have in their files, as of this date, they used to verify the accuracy of the accounts I listed in the letter. <P/>I asked them to delete the accounts immediately if they did n't provide verification of my connection to these account. The original signed contract between me and the company. Their response was to send me a copy of my report which is not verification that the account is valid Under the Fair Credit Reporting Act. <P/>The dates of the letters are as follows First Letter XXXX XXXX XXXX - Equifax XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX Second Letter XXXX XXXX XXXX - Equifax, XXXX, XXXX Third Letter XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - Equifax, XXXX Fourth Letter XXXX XXXX XXXX - Equifax