davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-21
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. (CO)

Subject : Immediate Request for Opt-Out and Deletion of Credit Report Tradelines XXXX XXXXXXXX ACCOUNT ENDING XXXX I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data.

My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections 313.7 and 313.7 ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter.

Here are the specific legislative and regulatory grounds for my request : 1. **15 U.S.C. 6802** - Mandates explicit consent for financial information disclosure, including a clear option to opt-out.

2. **16 CFR 313 ( Privacy of Consumer Financial Information ) ** - Ensures my right to privacy and to block unauthorized personal information disclosure.

3. **15 U.S.C. 1681** - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files.

Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights.

Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.
Consumer complaint received 2024-04-20
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. (NJ)

According to XXXX use XXXX Everything must be XXXX percent XXXX accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to XXXX use XXXX ( XXXX ) 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 XXXX XXXX XXXX ( XXXX ) and they never did. I have proof of my letter for that. 
Also according to XXXX XXXX XXXX XXXX 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 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My accounts 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 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 2024-09-06
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. (MS)

According to 15 U.S.C 1681 there should not be any damages on my credit report thats a deformation to my character and is hindering my daily living with my children. I am not able to survive without a house and a car for me and my children.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-04-20
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. (FL)

CEASE AND DESIST [ XXXX XXXX ] [ c/o XXXX XXXX XXXX Terrace ] [ XXXX, Florida, XXXX ] [ XXXX ] [ XXXX ] XXXX [ XX/XX/XXXX ] XXXX Headquarters XXXX : To Whom It XXXX Concern XXXX XXXX XXXX XXXX Washington DC XXXX XXXX Department XXXX the XXXX XXXX  XXXX To Whom It XXXX Concern XXXX XXXX XXXX XXXX XXXX Washington, DC XXXX XXXX : Cease and Desist Notice To Whom It XXXX Concern, I, [ XXXX XXXX XXXX XXXX as XXXX XXXX XXXX XXXXy in Fact for [ XXXX XXXX XXXX XXXX XXXX assert the following facts in accordance with established legal precedents : * " There is a difference between privileges and immunities belonging to the citizens of the United States XXXX XXXX XXXX citizen ) as such, and those belonging to the citizens of each state as such '' ( XXXX XXXX People, XXXX N.E. XXXX, XXXX ). 
* " Therefore, the XXXX citizens ( citizen of the XXXX XXXX ) residing in XXXX of the states of the union, are classified as property and franchises of the federal government as an 'individual entity ' '' ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX L.Ed. XXXX, XXXX S.Ct. XXXX ). 
* " ... the first XXXX amendments have uniformly been held not to be protected from state action by the privilege and immunities clause [ of the XXXX Amendment ] '' ( XXXX v. XXXX, XXXX XXXX XXXX, XXXX ). 
* " The right to trial by jury in civil cases, guaranteed by the XXXX XXXX the right to bear arms guaranteed by the XXXX Amendmenthave been distinctly held not to be privileges and immunities of citizens of the United States guaranteed by the XXXX XXXX '' ( XXXX XXXX New Jersey, XXXX XXXX XXXX, XXXX ). 
* " The acceptance of a license, in whatever form, will not impose upon the licensee an obligation to respect or to comply with any provision of the statute or with the regulations prescribed that are repugnant to the Constitution of the United States '' ( XXXX XXXX XXXX XXXX v. XXXX OF XXXX XXXX XXXX XXXX, XXXX ). 
* A XXXX XXXX ' ( citizen of the federal XXXX XXXX upon leaving the District of Columbia XXXX involved in XXXX XXXX, ' as a 'resident " does not have the common-law right to travel, of a Citizen of XXXX of the several states ( XXXX XXXX Maryland XXXX XXXX XXXX. XXXX, XXXX ). 
In light of the above, I demand an immediate cessation of all activities directed towards [ XXXX XXXX ]. Any further attempts to contact [ XXXX XXXX ] or engage in coercive behavior will be met with appropriate legal action. 
This notice is issued without prejudice to any rights or remedies, legal or equitable, that XXXX be available to [ XXXX XXXX ] or the undersigned. 
Kindly govern yourselves accordingly. 
Sincerely, XXXX XXXX : XXXX XXXX and XXXX XXXX XXXX Fact for XXXX XXXX XXXX x XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-20
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)

Dear XXXX XXXX XXXX XXXX, I am writing to address a pressing matter regarding my account with XXXX XXXX XXXX XXXX, Account Number XXXX, which is currently inaccurately reported on my credit report. This discrepancy is not only undermining my credit standing but also infringing upon my rights as a consumer under the Fair Credit Reporting Act and the guidelines outlined in 15 U.S. Code 1681a regarding consumer reports.

As per 15 U.S. Code 1681a, a " consumer report '' encompasses any communication of information by a consumer reporting agency bearing on a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living, which is used or expected to be used for various purposes, including but not limited to credit, insurance, and employment. 

Given this definition, I am formally requesting that XXXX XXXX XXXX XXXX take immediate action regarding the inaccurately reported closed account on my credit file. Specifically, I urge you to promptly update the status of Account Number XXXX to reflect that it has been paid in full. 

This account was initially opened on XX/XX/2019, and has since been closed. Any outstanding balances associated with this account have been fully settled and resolved. However, the continued reporting of this account without acknowledging its paid status is not only inaccurate but also significantly detrimental to my credit standing. It is imperative that my credit report accurately reflects the resolution of this account to prevent any unwarranted negative impact on my creditworthiness. 

I trust that XXXX XXXX XXXX XXXX will address this matter with the urgency it warrants and in strict accordance with the provisions outlined in the Fair Credit Reporting Act. Furthermore, I anticipate receiving confirmation once the necessary actions have been taken to update the status of Account Number XXXX on my credit report. 

Should you require any additional documentation or information from my end to facilitate this process, please do not hesitate to reach out to me at your earliest convenience. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution that upholds my rights as a consumer and ensures the accuracy of my credit report.
Consumer complaint received 2024-04-20
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. (NV)

In XXXX  I cancelled my services with XXXX XXXX. I returned all my equipment and paid the last bill in full. Months later I started receiving calls from XXXX stating that I owed a balance of {$200.00}. 
I was confused because I knew that I had already paid the last bill and had not received any other statements from XXXX  since I cancelled. 
I requested numerous times for XXXX to provide me in writing, why I allegedly owed them anything. XXXX never provided me with a bill or statement. I disputed the debt with XXXX  numerous times and advised them that I would not be paying a debt that could be potentially fraudulent. 
Each time I received a call I would advise XXXX  that I had already cancelled my services and had paid the final bill and did not know why they were charging me any additional fees. 
Each time the representative said that they did not know what the balance was for and would submit a request to validate the balance allegedly owed. 
Finally XXXX stopped contacting me about this potentially fraudulent debt, so I assumed XXXX had resolved the debt as being invalid and cancelled their debt collection efforts. 
Unfortunately, within the last couple of days a 3rd party collection agency has appeared on my credit report. My credit score was an XXXX last month and now my score has dropped by over XXXX points! 
I called the collection agency ( XXXX XXXX XXXX ) immediately and they assured me that paying the debt would be the best thing for my credit and that XXXX XXXX XXXX would request for XXXX  to remove it from my report. I made the payment of {$230.00} and then I called XXXX again to find out why they hired a collection agency on a debt that I had disputed and thought had been found to be invalid and cancelled. 
Of course, XXXX apologized but could not explain why they had sent a debt that was not owed to a collection agency and said that they will request for it to be removed.
Consumer complaint received 2024-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Please remove the following inquiries because I did not authorize them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-06-15
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. (NC)

As of XX/XX/2023, Experian and XXXX continue to report inaccurate items and accounts on my report. These accounts are not my accounts. I have disputed this information but Experian has not sent me any documentation showing me how the accounts were verified These accounts have the wrong name and are not mine. I now have obtained legal counsel and have been advised to file another complaint for the record with attached documents that were received by Experian on XX/XX/2023 via USPS certified mail. Experian is now saying that I don't have enough credit to produce a " FICO '' score but still show these accounts on my report. Experian also still displays inaccurate names and addresses on my report, despite being sent the proper information several times.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

Hello, just want to let you know that I spent a lot of time learning all these nuances of the laws and my rights, yet you guys are just stepping on it - insulting and a defamation of my character, an egregious violation of my rights as a consumer. I have informed you of these errors you made on your end - all in vain, it is as if that you kept on ignoring my claims and turning a blind eye to it for I'm just a mere man, a cog on the system and I had enough - sleepless nights and frustration.
Consumer complaint received 2024-09-06
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: EQUIFAX, INC. (NY)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-04-20
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credence Resource Management, LLC (NV)

In 2022 I cancelled my services with XXXX XXXX. I returned all my equipment and paid the last bill in full. Months later I started receiving calls from XXXX stating that I owed a balance of {$200.00}. I was really confused because I knew that I had already paid the last bill and had not received any other statements from XXXX  since I cancelled. I requested numerous times for XXXX to provide me in writing, why I allegedly owed them anything. XXXX never provided me with a bill or statement. I disputed the debt with XXXX  numerous times and advised them that I would not be paying a debt that could be potentially fraudulent. Each time I received a call I would advise COX that I had already cancelled my services and had paid the final bill and did not know why they were charging me additional fees. Each time the representative said that they did not know what the balance was for and would submit a request to validate the balance allegedly owed. Finally XXXX stopped contacting me about this potentially fraudulent debt, so I assumed XXXX had resolved the debt as being invalid and cancelled their debt collection efforts. Unfortunately, within the last couple of days a XXXX XXXX collection agency has appeared on my credit report. My XXXX XXXX was an XXXX last month and now my score has dropped by over XXXX points! I called the collection agency immediately and they assured me that paying the debt would be the best thing for my credit and that they would request for XXXX to remove the account from my report. I made the payment of {$230.00} and then I called XXXX again to find out why they hired a collection agency on a debt that I had disputed and thought had been found to be invalid and cancelled. Of course, XXXX apologized but could not explain why they had sent a debt that was not owed to a collection agency and said that they will request for it to be removed.
Consumer complaint received 2024-04-20
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. (AZ)

On XXXX, I notice that I was impacted by the XXXX Data Breach. After reviewing my reports I noticed unauthorized accounts and inquiries on my consumer report. I would like for these accounts to be removed. Account : XXXX XXXX XXXX Inquires : XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ; XXXX ; XXXX ; XXXX
Consumer complaint received 2024-04-20
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 am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

I reported XXXX XXXX on my XXXX  card that charged me about XXXX in deferred interest because they closed it then asked for information which you the CFPB mustve briefly looked over they only provided information on XXXX remaining as I saved their XXXX  to you along with adding interest by large amounts every day. My XXXX XXXX card also does not show how I got to that amount they just threw in some random months to make it look legitimate yet that does not show how I got total balance and theyre charging me interest on that amount Ive reported it over and over they finally responded and you guys didnt check the pages it shows nothing how I got these balances XXXX  only showed I owed XXXX but then skipped ahead and showed right when closed early XXXX XXXX XXXX in deferred interest since that time I have paid well over XXXX to them which is noted and no one has done anything to XXXX same thing Im attaching their files they sent you to show it made no sense and didnt add up and to closing my accounts for risky behavior they explain reason why I was risky payments on time low balance to utilization etc they are a scam
Consumer complaint received 2024-04-20
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 filed a complaint about this account earlier for incorrect information reporting, you did investigation and said information is accurate which is not true. In accordance with the Fair Credit Reporting act, 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. Incorrect credit reporting I have an account that is not correctly reported. Account Name : XXXX XXXX account number : XXXX you have this account as closed with a balance of {$77.00}. but this account is fully paid-off and balance on it should be {$00.00} i have attached email confirming full payment of this account. 

I have attached letter from company acknowledging account paid-off since you guys keep instigating and only indicate account charge off and closed and not indicating its been paid-off