davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am submitting a dispute to investigate the wrongful reporting of these accounts on my credit file. Per the Fair Credit Reporting Act, I should receive {$1000.00} for each false report. I understand that FCRA 605B requires reporting of any incorrect accounts on a consumer 's report.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian regarding inaccurate reporting of late payments from XXXX XXXX XXXX on my credit report for account XXXX. According to Experian 's records, I have been marked as 30 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. However, I believe this to be a billing error and wish to contest these claims. 

As per the Fair Credit Billing Act, creditors are required to send billing statements at least 21 days before the due date. I did not receive any billing statements from XXXX XXXX XXXX for the aforementioned months within this timeframe. Therefore, I contend that the reported late payments are invalid. 

I kindly request that Experian provide evidence to support their claim that I received the billing statements at least 21 days prior to the due dates. Specifically, I ask for a copy of the certified receipt with my signature acknowledging receipt of the statements. Without such evidence, the reported late payments should be updated to paid on time on my credit report for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I would like to emphasize that this discrepancy not only damages my credit score but also violates my rights under the Fair Credit Billing Act, specifically 15 U.S. Code 1666 ( b ). 

I trust that the Consumer Financial Protection Bureau will investigate this matter thoroughly and take appropriate action to rectify the situation. Please keep me informed of any developments regarding my complaint. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Email : XXXX Phone : XXXX
Consumer complaint received 2024-04-15
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)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

15. U.S Code 1666b section A says verbatim, '' A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. So is Experian above the Rules, Regulations, Codes set herin from the United States Commercial Code? If Experian agrees to abide by the 1974 Privacy Act why does Experian continuously violate the terms and obligations they say they will uphold? Experian has been known to violate its users privacy rights on many occasions. Around XXXX XXXX XXXX  Experian decided to create a XXXX XXXXXXXX XXXXXXXX XXXX fund to address Experian 's data breach. I was not part of that lawsuit but once again I believe Experian to reiterate Experian has been selling my data to a third party knowingly then misrepresenting that information by reporting false and misleading information which has put a financial burden on me and my future purchases.
Consumer complaint received 2023-06-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

The Collection Account in question does not belong to me. I've repeatedly requested the original contract and any signed documents linking me to this account from the reporting agency, XXXX XXXX XXXX, to no avail. 

I've never held a XXXX account and have asked for any contract associating me with it, again with no success. Their claim of {$610.00} is baseless as it's not my account but rather a fraudulent one. 

XXXX XXXX account has overstayed its welcome on my credit file, surpassing the permissible duration according to consumer laws, and should have been removed by now. 

Regarding the XXXX XXXX account, I've disputed its authenticity and requested XXXX to provide any documentation linking me to it, but nothing has been forthcoming. 

Furthermore, accounts settled and paid should not linger on my credit file beyond the stipulated timeframe set by consumer laws, including the XXXX XXXX XXXX  account.
Consumer complaint received 2023-09-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (TX)

XXXX charge me for two orders, I only ordered one, I had canceled the other one, one was for {$56.00}, the other one was for {$62.00}, they claim that they refunded me the money, I reached out to XXXX who referred them back to XXXX. It's a big mess, XXXX use the third-party company and only refunding me {$34.00} to XXXX who I am in the process of trying to verify that money is I took the items back to XXXX, handed them to XXXX anXXXX XXXX XXXXld me they have to reach out to the third-party company, I don't think that's right it's not my fault they use a third-party company, the way I paid them. My money is the same way they should refund the money to me.
Consumer complaint received 2024-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-05-03
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)

I found inaccurate information in my EQUIFAX credit repot. I tried to fix the issues by sending them a letter through the mail ; however, I was not satisfied with the results. The accounts were not verified. Inaccurate information, such as payment status, payment history, date opened, and date of late payments are still being reported. My rights were violated according to 15 U.S.C. Section 602, I have the right to privacy, and 15 U.S.C Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-11-26
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (MI)

I am formally requesting the removal of the bankruptcy notation from my account. I have already initiated contact with the court, and they have clarified that the bankruptcy information in question was not disseminated to the creditors and was acquired by a third party. I kindly request your assistance in rectifying this matter promptly.
Consumer complaint received 2024-04-15
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)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Under FCRA 605B, it's imperative to expunge any erroneous accounts from my credit report. Could you kindly verify the documents? Some of the listed accounts exhibit inaccuracies in their reporting and necessitate immediate removal.
Consumer complaint received 2024-04-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

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 2024-04-15
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)

The XXXX XXXX XXXX, now known as, XXXX credit on my account is inaccurate. ( 1 ) report states I owe {$1700.00} when my account has been paid in full since XX/XX/2023. ( 2 ) its displaying 30 days over due for XX/XX/2023. All payments have made on time and account is paid off. XXXX XXXX sold my account to another lender with a XXXX balance and now they are billing me. XXXX XXXX doesnt answer calls. Need resolution to this unfair credit reporting.
Consumer complaint received 2024-04-15
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. (CT)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-04-15
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)

Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report.

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 6. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED XXXX XXXX XXXX Account Number : XXXX Delete this account. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX XXXX CO Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2024-04-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-04-15
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. (NJ)

I am writing to formally request that accounts refrain from sharing my personal information with third-party agencies and organizations, pursuant to the rights granted to consumers under the Gramm-Leach-Bliley Act ( 15 USC 6801-6805 ). I have attach a previous letter that Ive sent the creditor in writing. Any further refusal of my request will result in legal action. Thank you.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Accurate Background (NM)

As a Federal Protected Consumer I have a Consumer right and Privacy right to those who house and give out my non public personal information. As I never given authorization the following companies have and disclose my information to non-affiliated third party companies.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MS)

Pursuant to the Fair Credit Reporting Act ( FCRA ), this letter is a formal request to correct inaccurate information contained in my credit file. The items listed below are incomplete and misleading. I requested proof of late payments through letter in XXXX XXXX XXXX no proof was given by credit company.
Consumer complaint received 2024-04-15
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)

I am writing to formally lodge a complaint against XXXX and Experian regarding their unlawful actions and inaccurate reporting of my credit account with XXXX XXXX. Despite my repeated efforts to rectify the situation, XXXX has persisted in reporting my account negatively even after I filed a Recession of Contract with XXXX XXXX. This has resulted in severe harassment, bullying, and an inability to terminate my contract without further detriment to my credit report. 

My grievances against XXXX are outlined as follows : 1. Violation of Consumer Rights : XXXX and Experian 's actions flagrantly violate my rights as a consumer, as outlined in 15 U.S Code 1635. Despite my exercise of the right of rescission by filing a Recession of Contract with XXXX XXXX, XXXX has continued to report my account negatively, obstructing my ability to exercise my legal rights. 

XXXX. Inaccurate Reporting : XXXX and Experian persistently reports me as late on payments to XXXX XXXX, despite my consistent and timely payments with no outstanding dues. This erroneous reporting has marred my credit history and exposed me to unjust financial penalties. 

XXXX. Harassment and Bullying : XXXX and Experian 's continuous negative reporting has subjected me to relentless harassment and bullying from XXXX XXXX. Despite my Recession of Contract, XXXX XXXX refuses to acknowledge it and insists on penalizing me for fictitious delinquencies, causing significant emotional distress and financial hardship. 

Furthermore, on XX/XX/XXXX, XXXX and Experian reported a late payment to XXXX XXXX and Experian, despite my timely payment of my car note. This action egregiously violated my consumer rights. Although XXXX and Experian corrected the status the following day, my credit score on XX/XX/XXXX erroneously shows late payments of 30-60 days, causing me considerable mental distress. 

I am invoking my rights under 15 U.S. Code 1640 and 12 CFR Part 1026 ( XXXX XXXX  ) to seek civil liability against XXXX for their unlawful actions. 

I urge the Consumer Financial Protection Bureau to promptly investigate this matter and take appropriate action against XXXX for their flagrant violations of consumer rights and inaccurate reporting practices. Additionally, I request that XXXX be compelled to rectify the inaccurate information on my credit report and cease all further harassment and intimidation tactics. 

Attached is relevant documentation, including correspondence with XXXX, Experian and XXXX XXXX, to support my complaint. Please feel free to contact me if additional information is needed. 

Thank you for your attention to this urgent matter.
Consumer complaint received 2024-04-15
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)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MS)

I am writing this complaint because have noticed inaccurate accounts being reported with EXPERIAN whom I have disputed with a number of times regarding the very same inaccurate accounts. EXPERIAN is in violation of 15 USC 1681e ( b ). I want them to reinvestigate the inaccurate accounts once more because the accounts have continuously to returned verified when the accounts are in fact inaccurate. I want to ensure that I get a response from EXPERIAN, so I submitted my dispute through this portal.
Consumer complaint received 2024-01-19
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/XXXXXXXX XXXX XXXX a hard inquiry was reported on my credit report to Capital One. At that time I did NOT request Credit with Capital One, this is a direct violation of the Privacy Act of 1974. I demand that the fraudulent XX/XX/XXXX hard inquiry be removed at once from All of my credit reports.