davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-10
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)

Subject : Credit Reporting Error and Violation of 15 USC 1666B Dear Consumer Financial Protection Bureau, I am writing to submit a complaint regarding credit reporting errors and violating my rights 15 USC 1666B by XXXX. Despite a supervisor 's confirmation, XXXX late payments incorrectly appeared on my Experian credit report. 

On XX/XX/year>, at XXXX XXXX, I received communication from XXXXXXXX XXXX  supervisor, XXXX, stating that Case ID Number : XXXX regarding a credit reporting dispute was being forwarded to the relevant team for removal. However, the late payments still appear on my report, causing significant hardship. 

I request your assistance in resolving this matter. I urge XXXX to : XXXX. Remove the XXXX late payments from my Experian credit report within 30 days. 
XXXX. Provide verification and validation of the Late payment. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name XXXX XXXX XXXX is and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-10
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)

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Incorrect DOB : - XXXX  Incorrect Name : - XXXX, XXXX, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, CA, XXXX Incorrect Previous Address : - XXXX XXXX  XXXX, XXXX, CA, XXXX Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX  - XXXX Your agency is XXXX breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( XXXX ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Consumer complaint received 2024-05-10
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. (PA)

I recently reviewed my credit report and noticed an account that did not belong to me. I contacted the creditor and the credit agencies, XXXX, Experian, and XXXX. I explained them that I was not the one to open these account. I sent a letter regarding the account # XXXX, which was a claim by your collection agency XXXX XXXX XXXX, stating that I was in a derogatory condition, such as owing {$410.00} and that XXXX charged this account off on XX/XX/XXXX. I filed a formal Fraudulent Account Statement notice to dispute the charge. I was made aware of identity theft when went to filed my XXXX, XXXX, and XXXX taxes, only to find out that I was a victim of identity theft and fraud. I locked all my accounts and saw items on my credit report that were not my items. The XXXX account is one of the few accounts that was issued without my authorization. I have been subject to identity theft which is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. I have also included a copy of my government driver 's license and a utility bill as mentioned in your instructions. Thank you for your time and energy to resolve this matter.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

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 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

So basically I have been sending letters for 6 months and they all have been rejected, I ask XXXX XXXX to Remove the Bankruptcy, they used a public online system to research, not Verifed some information. Not acceptable at all I also have the company responding stating that dont furnish, nor verify any information.
Consumer complaint received 2024-05-10
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)

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 2024-05-10
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Discovering an error implying a late payment on my account is troubling, especially given my history of consistently meeting payment deadlines. This discrepancy is causing undue stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to formally dispute a XXXX  payment entry that has appeared on my credit report. The report indicates a XXXX  payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this XXXX payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported XXXX  payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than XXXX  days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL XXXX  payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-07-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services (MN)

Well first off, as a government employee, I thought I was going to get my loan forgiven and tried and brought the payment to XXXX XXXX, the threshold for the required forgiveness amount. 
Then I received another email informing me of a new SERVICER, when I had just been switched to XXXX, just closed to a year ago. 
The most annoying thing is that they've been charging me interest even when this Loan is Subsidized. 
Equally, I had brought this Loan down to XXXX XXXX, just to qualify for the President Biden 's Loan forgiveness of XXXX, which I had called XXXX XXXX about this forgiveness, and the Agent did not even know what I was talking about. I insisted until she had to read this information after I had given her the dates of the press release on the issue ; they said they were going to check my qualifications, that's, how I qualify for the loan cancellation, and contact me. They never did. The only information I then received was that of the new Loan SERVICERS. Now this loan that I had brought down to XXXX XXXX, went back to more than XXXX XXXX again.
Consumer complaint received 2024-05-10
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXX/XX/XXXXXXXX Balance : {$280.00} XXXXXX/XX/XXXXBalance : {$1700.00} XXXX XXXX XXXX XXXX : {$19000.00} XXXX XXXX XXXX XXXX : {$280.00} XXXX XXXX XXXX XXXX : {$1700.00} XXXX XXXX XXXX XXXX : {$19000.00} XXXX XXXX XXXX XXXX : {$0.00} XXXXXX/XX/XXXX Balance : {$0.00} XXXXXX/XX/XXXXXXXX BalanceXX/XX/XXXXXX/XX/XXXX XXXX XXXX : {$19000.00}
Consumer complaint received 2024-05-10
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 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

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 2023-06-12
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting Act, specifically section 602 ( a ) of 15 USC 1681, it is crucial for consumer reporting agencies like Equifax and XXXX to fulfill their responsibilities with fairness, impartiality, and respect for consumers ' privacy rights. As a consumer, I have the right to ensure that my private information is not shared, as supported by 15 USC 6801. This law states that financial institutions, including furnishers of information to credit agencies, have an ongoing obligation to respect customer privacy and safeguard their nonpublic personal information.

Under section 604 ( a ) ( 2 ) of 15 USC 1681, consumer reporting agencies such as Equifax, XXXX and XXXX are only permitted to furnish a consumer report under specific circumstances, one of which is when they receive written instructions from the consumer. I have not provided written consent to these agencies or the furnishers of information, and any previous consent, whether verbal, non-verbal, written, or implied, is hereby revoked.

Moreover, 15 USC 6802 ( b ) ( c ) stipulates that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party unless the consumer has been informed of their right to choose not to disclose. However, the furnishers of information to credit agencies failed to inform me of this right.

Furthermore, as per 15 USC 1681C ( a ) ( 5 ), a consumer reporting agency is prohibited from including certain adverse information in a consumer report unless authorized by subsection ( b ). This adverse account, which is being reported without my consent, falls under the category of unauthorized information according to the law.

Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) states that no person should furnish inaccurate information to a consumer reporting agency if they are aware or have reasonable cause to believe it is inaccurate. Equifax and XXXX, therefore, are in violation of this provision. 

To maintain compliance with the law, every consumer reporting agency must establish reasonable procedures to prevent violations of section 1681c and restrict the provision of consumer reports to the purposes outlined in section 1681b, as stated in 15 U.S. Code 1681e. Unfortunately, Equifax and XXXX have failed to uphold these reasonable procedures. 

Lastly, in accordance with 12 CFR 1016.7, I am exercising my right to opt out of your reporting services. This means I no longer wish to be included in your reporting activities.
Consumer complaint received 2024-05-10
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)

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 XXXX party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2018-01-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (TX)

I sent XXXX a letter asking for verification and validation of account number XXXX balance of XXXX. I was sent back that it was verified. with no proof of singed documents and no proof of any said investigation.
Consumer complaint received 2022-11-25
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. (GA)

XXXXXXXX XXXX XXXXXXXX changed from XXXXXXXX XXXX XXXX XXXX. Since that time there have been several internal errors that resulted in lates on my account ( number ending in XXXX ). 

My payments were automatically deducted from my bank account. But during their change over, in XXXXXXXX XXXX XXXXXXXX, they did not remover the payment until AFTER the due date. 

In XXXXXXXX XXXX XXXXXXXX, I contacted the bank BEFORE my due date and they agreed to defer three payments on the account due to covid. Once again, they did not put this on the account properly and a third late payment was posted. 

Finally, in XXXXXXXX XXXX XXXXXXXX, the bank raised my escrow amount but failed to notify me. This left my automatically deducted payment, {$500.00} short and resulted in another late payment reported. This was NOT my error. 

I have spoken to XXXX XXXX in the banks ' accounting and reporting department along with a supervisor ( first name XXXX ). They agreed to remove these delinquencies from XX/XX/XXXX, XX/XX/XXXX and XXXXXXXX XXXX XXXXXXXX ... but apparently updating on their system does not update the bureau records. 

Please remove these three delinquencies from my record from XXXXXXXX XXXX or delete this item from my file.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Your Name Address City, State Zip XX/XX/2021 RE : Social Security Number : XXXX To Whom It May Concern : This is my XXXX  time writing to you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report. 
Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one attached. 

Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed.
Consumer complaint received 2024-05-10
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-10
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 appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The XXXX Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-05-10
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (NC)

Credence Resource Management is violating North Carolina General Assembly regulations by attempting to collect a debt from me without proper documentation. According to state law, entities engaging in debt collection must be licensed in North Carolina. However, upon checking the national consumer licensing website, I found that Credence Resource Management lacks the necessary licensing in my state, making their debt collection efforts illegal. The original account, which has now entered collections, was established in North Carolina, not in any area covered by Credence Resource Management 's licensing. The agency 's about information displayed on their website, clearly states that they are a debt collection agency. Therefore, any argument suggesting they fall outside the definition of a collection agency under North Carolina law is invalid. For more information, please see the attached documentation. 
Credence Resource Management I am now ordering and cease and desist on this collection. By law you have no right to contact me via any form of communication. This includes through phone, email, and my consumer report. Failure to abide will result in legal action being taken.
Consumer complaint received 2024-05-10
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 have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXXXXXX XXXX XX/XX/2023