davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-25
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)

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report. 

Dear CFPB, I am filing a formal complaint against Experian for failing to correct the inaccurate reporting of late payments on my credit report for the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Despite multiple requests for correction through letters dated XXXX XXXX XXXX my disputes have been ignored or mishandled. This ongoing issue represents a violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations According to 15 U.S. Code 1681i, credit reporting agencies must ensure the accuracy of the information reported in consumer files. In my case, this requirement has not been fulfilled, as the same errors regarding late payments have persisted across multiple disputes. 
Additionally, under 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate reporting of late payments on my account indicates that this requirement was not followed. 
TILA Violations The Truth in Lending Act requires accurate and timely disclosures to consumers. The inaccurate reporting of late payments on my XXXX XXXXXXXX XXXX  has caused unjustified harm to my credit score and financial standing, violating these obligations. 
Protection Against Non-Payment of Obligations Act ( PAANL ) The Protection Against Non-Payment of Obligations Act ( PAANL ) also reinforces creditors ' responsibility to issue timely billing statements to avoid unfair penalties. The errors in my accounts late payment reporting show a failure to meet this requirement, leading to unjust consequences. 
Pattern of Inaccuracies The discrepancies in late payment reporting across all three credit bureaus show a pattern of inaccurate information. These errors are causing harm to my credit score, despite my previous disputes. The information reported by XXXX, Experian, and XXXX is not only inconsistent but also incorrect. 
I formally request that these errors be corrected and removed from my credit report immediately. If these issues are not resolved promptly, I will escalate my complaint further, including filing additional complaints with regulatory agencies and pursuing legal action to protect my consumer rights. 
Desired Resolution : Immediate removal of the late payment notation from my credit report. 
Written confirmation of the correction. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-08-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Sentry Credit, Inc. (FL)

I have been receiving several calls and letters from Sentry Credit , INC regarding past due debt. I contacted them and gave them the account number listed on the documents that Ive received from them. I told them that this debt was entered into bankruptcy in 2021. She had my name and information pulled up but she wanted me to say my full name. I was not comfortable doing that. I stated to her that I had given her the account number for the account and she said that I could be someone else. I attempted to give her the bankruptcy number that proves that this was settled, she did not want to hear that and told me to hold on so that she could get a manager. I hung up out of frustration and contacted XXXX. The person I spoke with told me that they should not be harassing me and it is written off of my credit report due to bankruptcy. I want them to stop harassing me. Thank you
Consumer complaint received 2022-08-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (PA)

This account has never belonged to me! This account is unknown to me. I never entered into any agreement with this account. I should not be held responsible for this account because it is not my responsibility! I have already asked this account to validate this account, but it has failed to do so.
Consumer complaint received 2024-10-25
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)

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am filing a formal complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX with XXXX XXXX. 
Despite multiple requests for correction through letters dated XX/XX/year>XXXX  and XX/XX/year>, my disputes have been ignored or mishandled. This ongoing issue represents a violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations According to 15 U.S. Code 1681i, credit reporting agencies must ensure the accuracy of information in consumer files. In my case, this requirement has not been upheld, as the inaccurate late payment reporting has persisted across multiple disputes. 
Additionally, under 15 U.S. Code 1666b, creditors must send periodic statements at least 21 days before the payment due date. The inaccurate reporting of late payments suggests a failure to comply with this requirement, contributing to the errors on my credit report. 
TILA Violations The Truth in Lending Act ( TILA ) emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has harmed my creditworthiness and violated these provisions. 
Protection Against Non-Payment of Obligations Act ( PAANL ) Furthermore, under the Protection Against Non-Payment of Obligations Act ( PAANL ), creditors are responsible for providing timely statements to prevent unfair penalties to consumers. The errors in late payment reporting on my account indicate that this obligation has not been met, resulting in undue damage to my credit score. 
Pattern of Non-Compliance The persistent late payment errors across XXXX, Experian, and XXXX demonstrate a pattern of inaccurate reporting, causing undue harm to my credit score despite my previous disputes. 
I formally request that the incorrect late payment notations be removed from my credit report immediately, and that the account status be corrected across all three credit bureaus. Failure to address these inaccuracies will result in further escalation, including legal action and additional complaints to relevant regulatory agencies. 
Desired Resolution : Immediate removal of the late payment notation from my credit report. 
Written confirmation of the correction. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-08-19
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: CITIBANK, N.A. (WI)

XXXX XXXX  emailed me saying that I reported a card as lost or stolen. I did not. 
On the same day someone changed my address with the USPS in order to get the replacement credit cards. 
I received a letter from USPS saying that my address was changed. I immediately went to the Post Office to report that this was fraudulent and was told to call the USPIS regarding change of address fraud. My first Case # was XXXX. I did not receive a response within 2 weeks. I called again and received a new case # XXXX. More than two weeks later I still have not received a response from USPIS. 
I also immediately contacted XXXX to report the fraudulent address. 
However, in the meantime USPS forwarded some of my mail and Citibank subsequently changed my address to the fraudulent one. I called them to report the fraud. 
Still, the fraudulent address made it into my credit report for XXXX and XXXX. I have disputed the incorrect address with them twice. 
Luckily I prevented unauthorized charges by immediately notifying my credit card companies. However, what is disturbing is that I have been unable to get a response from USPIS. I want to be able to prevent criminals from changing my address online again. I was told this is not possible. That certainly plays in the hands of criminals who can report a credit card as lost and then simply change your address only with USPS. How can I protect myself from a recurrence of this? I have spent so much time on the phone trying to get this corrected.
Consumer complaint received 2022-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Transunion A complaint was filed with Transunion complaint number XXXX for reporting inaccurate information regarding names, addresses, fictitious child support information which has a XXXX balance and department of education debt regarding a balance which can not be proven to be owed by the consumer. Transunion has violated fair credit reporting act pursuant to 15 U.S.C. 1681b ( 2 ) -permissible purposes for consumer reports and 15 U.S.C 1681s- ( 2 ) ( b ) -Responsibilities of furnishers of information to consumer reporting agencies. ( B ) Duty to correct and update information. A person who- has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. The alleged third party debt collector XXXX/U.S. Department of Education nor did Transunion obtain permission to compel the use, alter and sell the social security number regarding an alleged debt created on the back of nothing when the consumer who is the original creditor extended credit which is due back to him. Such negligence also violates fair credit reporting act, fair debt collection practices act, 15 U.S.C. 1681c-1-identity theft prevention ; fraud alerts and active duty alerts, 15 U.S.C . 1681j-charges for certain disclosures, failure to investigate, violation of 15 U.S.C. 1611-criminal liability for willful and knowing violation, violation of 15 U.S.C. 1641-liability of assignees, 15 U.S.C. 1642-issuance of credit card which clearly states that no credit card shall be issued except in response to a request or application thereof. This prohibition does not apply to the issuance of a credit card in renewal of, or in substitution for, an accepted credit, violation of 15 U.S.C. 1640-civil liability, violation of truth and lending regulation Z regarding XXXX/U.S. Department of Education because banks dont lend money nor do they lend assets of theyre depositors, violation of 15 U.S.C. 1681n- civil liability for willful noncompliance, violation of 1681o-civil liability for negligent noncompliance, violation of 15 U.S.C. 1681d-disclosure of investigative consumer reports, violation of 15 U.S.C. 1681-procedure in case disputed accuracy and violation of 15 U.S.C. 1681l- restriction on investigative consumers reports, violation of 1028a-aggravated identity theft, violation of 15 U.S.C 1692k-civil liability , 18 U.S.C .1028- Fraud and related activity in connection with identification and grand larceny.
Consumer complaint received 2023-08-22
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-29
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: EQUIFAX, INC. (NJ)

XXXX  XXXX allowed someone to sign up for a credit card under my name and now are reporting the stolen identity information on my report as derogatory. i am being negatively affected by this matter and furthermore would like for them to stop i have made a report with the identitytheft.gov they are on the job as well for i believe that to be the best 1st step. below are also my grievances. Thank you for your time. 

15 U.S. code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of reciept. its been 30 days and they are in VIOLATION of this law because I am a victim of identity theft. PLEASE DELETE THESE ITEMS IMMEDIATELY
Consumer complaint received 2024-09-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section XXXX ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX days. If they fail to do so, these items must be removed from my report. 

As more than XXXX days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2023-02-23
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (NY)

I have a CareCredit card and I noticed that on XX/XX/XXXX I was charged {$2700.00} in interest fees. I had a promotion for 18 months interest free which started in XX/XX/XXXX. The amount was for XXXX. I called CareCredit and was told because I had not paid the total amount by the end of the 18 months that was my interest for that purchase. The interest is half of the prinicple!!! I was told my APR rate was XXXX. How is {$5200.00} at XXXX APR come out to {$2700.00} in interest??? IS THE XXXX HIGHER IF THE PRINCIPLE IS NOT COMPLETELY PAID??? I had another purchase previously to this last one and I got charged in XX/XX/XXXX {$2600.00} in interest fees. I did not get the principle amount due to being put on hold several times. I noticed on the statement that I have another promotion that is coming up in XX/XX/XXXX. I will never finish paying. I try to pay more than the minimum amount and have not missed any payments. This practice that Synchrony has is deceptive. I need help.
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I have submitted several electronic disputes and written disputes to Equifax with no responses. I submitted electronic disputes to Equifax disputing inaccuracies and errors on accounts from XXXX XXXX XXXXXXXX electronic confirmation XXXX and XXXX XXXX XXXX- electronic confirmation XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and recently via certified mail XX/XX/XXXX. The certified mail dispute was confirmed received and signed for by Equifax XX/XX/XXXX. To this day I have yet to receive a response from from Equifax concerning the " Reinvestigation '' of my disputes. I have come to the conclusion that the Furnisher and Equifax are in violation of my rights under the Fair Credit Report act. " Section 1681s-2 ( b ) ( 1 ) of the FCRA states that a furnisher of consumer information must conduct an investigation of disputed information upon receiving notice from a consumer reporting agency ( CRA ) that the consumer has disputed the accuracy of the information. '' Equifax and the furnisher have failed to respond and investigate my disputes and the accounts must be removed from my file. I also filed a complaint with CFPB against the furnisher XXXX XXXX XXXX. Per the response from the furnisher, they claim that the information being reported to the credit bureaus is accurate. However, that is false and not true. The information that the furnisher is submitting across the board to the three major credit bureaus XXXX, XXXX, and Equifax is not consistently accurate, riddled with errors, and not being reported correctly. It is the credit bureaus responsibility to have the utmost " 100 percent accuracy '' of information displayed in their consumer credit files. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. Equifax and the furnisher has failed to maintain utmost accuracy in credit reporting. Which has violated my rights under the Fair Credit Report Act. The FCRA requires credit bureaus to post in the remark comment section account information is disputed by consumer within five business days of receiving the dispute. I have filed several confirmed disputes with Equifax and furnisher and they have failed to comply. According to the Fair Credit Reporting Act these accounts must be removed from my file if the data is not fair and accurate.
Consumer complaint received 2023-07-13
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: EQUIFAX, INC. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXXXXXX Balance Owed : {$170.00} ; XXXX XXXXXXXX Balance Owed : {$2800.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$6600.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX {$78.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (PA)

This letter is regarding account 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 XXXXXXXX which you claim my account is chargeoff. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting, validation, that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please be aware that any negative mark found on my credit reports ( including Experian, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, 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. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this letter may result in small claims legal action against your company at my local venue, I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please note : This notice is attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.