davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-30
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: Experian Information Solutions Inc. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX You are in Direct Violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX Account Number XXXX 15 U.S.C 1681 section 602 A Clearly states that's I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer agency can not furnish an account without my written permissions.

15 U.S.C 16666B A Creditor may not treat a payment on a credit card account under an open-and consumer credit plan as late for any purpose. 

Remove these late payments and update this account immediately as you are in direct violation of several of laws under the Fair Credit Reporting Act.
Consumer complaint received 2023-05-01
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Hello, I have been calling, and sending letters to Capital One credit card company for over 6 months up until XX/XX/XXXX. I called Capital One on XX/XX/XXXX and spoke with an agent about the XXXX late payments on my credit report, I asked why were they reported, and the agent responded that the payment was made on the XXXX, or XXXX when the due date is the XXXX of every month. For those 3 months XXXX, XXXX, & XX/XX/XXXX, I called the company and let them know that I wasn't receiving my entire paycheck because of the pandemic. I was making payments but not the full amount. After the XXXX late payments, I have never been late known after. My account is still open and is in good standing. Also, the agent has removed a late payment and refunded my account for the late payment I was charged, and she was unable to do the others because the date was over 60 days, which is not true after reading the consumer law. All 3 credit bureaus are reporting late payments.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

My account with XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2023-05-01
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: Experian Information Solutions Inc. (NJ)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC 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. Please delete the account : XXXX XXXX Date Opened : XX/XX/2014 Balance : {$0.00}
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX 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 2023-04-30
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. (NC)

My identity has been compromised since the year XXXX. The thieves used my stolen information to obtain an auto lease with XXXX XXXX. I became aware of this situation in XX/XX/XXXX after receiving numerous credit application denial letters that I was utterly unaware of and didn't authorize. Afterward, I reviewed my credit report and then noticed this account, which I was also completely unaware of. This account has been negatively reported since XX/XX/XXXX which is significantly affecting my credit score. I've disputed this account numerous times with no result and also have not received any information regarding this account from the company.
Consumer complaint received 2023-04-30
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: Experian Information Solutions Inc. (PA)

Dear Credit Bureau, I am writing to dispute a false collection account XXXX XXXX XXXX XXXX # ( XXXX ) that is currently appearing on my credit report. This account has been inaccurately reported and I am requesting that it be removed immediately. 

As you are aware, the Fair Credit Reporting Act ( FCRA ) requires that all information appearing on a credit report be accurate and up-to-date. Furthermore, the FCRA requires that all disputes be investigated within 30 days. 

Additionally, I have been having an issue with the manner in which your collection agency has been attempting to collect the debt. Your representatives have been constantly harassing me for payment. Calling me during work hours and late at night, and I feel that I am being treated unfairly. This behavior is in direct violation of the Fair Debt Collection Practices Act ( FDCPA ). 

I am requesting that you immediately remove this collection from my credit report, as well as cease any further attempts to collect the debt. 

Please contact me within 30 days to confirm that this matter has been taken care of. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-29
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. (OR)

This credit bureau is not correcting my credit file with my legal name. Sent documents certifed, several calls placed. 

Reps refuse to correct credit file stating the reported information is correct and I have to correct my information with each creditor. 
They have no information on who the legitimate creditors are. 

Several names, are inaccurate, copy attached Only legal name should be in this file XXXX XXXX XXXX XXXX. 

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Consumer complaint received 2023-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

In total, fourteen inaccurate accounts are currently being reported as delinquent on my credit report from the Department Of Education. I have settled and consolidated all of these loans, which have been transferred to another agency. Since then I have been making on-time payments and these accounts are still being reported as delinquent which is significantly affecting my credit score. I've recently disputed these accounts and there still has been no change. Included is documentation I've from the XXXX XXXX XXXX which confirms that these debts have been consolidated.
Consumer complaint received 2023-04-30
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. (MO)

In accordance with the Fair Credit Reporting Act 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  has violated my rights, 15 U.S.C 1681 section 602 A. states, I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-04-30
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)

To Whom It May Concern This letter shall serve as formal Notice of my file a Complaint with the FTC, due to your blatant disregard of the law. As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
For the record, the following information is being erroneously included on my credit report. If you do not immediately remove this fraudulent and incomplete information, I will file a formal complaint with the CFPB. Furthermore, I intend to seek redress in civil action, for recover of damages, costs, and attorneys fees, should you continue in your deliberate obstruction of the law. For this purpose, I am carefully documenting these events, including the lack of response REQUIRED under law from you. 

Inquiry : XXXX XXXX, XX/XX/XXXX Inquiry : XXXX XXXX, XXXX, XX/XX/XXXX Inquiry : XXXX, XX/XX/XXXX Inquiry : XXXX XXXX, XXXX, XX/XX/XXXX Inquiry : XXXX XXXX, XXXX, XX/XX/XXXX Inquiry : XXXX XXXX, XXXX, XX/XX/XXXX Please block this fraudulent information per sections, 615 ( f ) and 623 ( a ) ( 6 ) 15 U.S.C 1681 section 602 A of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my Credit File under federal law ; you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2023-04-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (AL)

I am writing to request validation of the debt that you are reporting on my credit report. I have not received a validation letter from you, and as a result, I am disputing the validity of this debt. 

Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide consumers with validation of any debt being collected. This validation should include the name of the original creditor, the amount owed, and any other relevant information. 

Since I have not received a validation letter from you, I am requesting that you provide me with the necessary information to validate this debt as soon as possible. If you are unable to provide me with proof of the debt, I am requesting that you remove this item from my credit report. 

I would also like to remind you that, under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report accurate and complete information. If you are unable to validate this debt, it should not be reported on my credit report.
Consumer complaint received 2023-04-30
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: Experian Information Solutions Inc. (LA)

I have disputed the ownership and accuracy of XXXX XXXX account number XXXX with all three credit reporting agencies and the information comes back verified and/or updated There are many inaccuracies in the reporting of this account 1 ) The high balances report different dollar amounts 2 ) The last date verified is not listed 3 ) The dates the account was opened is inaccurate 4 ) The date the account was closed is not listed or inaccurate 5 ) The date of the last payment is not correct 6 ) The credit limit is inaccurate or not listed Per the FCRA consumer reporting agency must maintain maximum accurate information in a consumer report All three agencies are reporting different information
Consumer complaint received 2023-04-30
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Exeter Finance, LLC. (LA)

This claim is connected to previous claim XXXX The vehicle seller XXXX XXXX XXXX and Exter finance has committed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  under PART 455 - USED MOTOR VEHICLE TRADE REGULATION RULE Authority : 15 U.S.C. 2309 ; 15 U.S.C. 41-58 {$450.00} General duties of a used vehicle dealer ; definitions It is a deceptive act or practice for any used vehicle dealer, when hat dealer sells or offers for sale a used vehicle in or affecting commerce as commerce is defined in the Federal Trade Commission Act : ( 1 ) To misrepresent the mechanical condition of a used vehicle ; ( 2 ) To misrepresent the terms of any warranty offered in connection with the sale of a used vehicle ; and To represent that a used vehicle is sold with a warranty when the vehicle is sold without any warranty It is an unfair act or practice for any used vehicle dealer,
Consumer complaint received 2023-04-30
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: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX card states I have two lates XX/XX/XXXX and XX/XX/XXXX. This direct violation of FCRA US code 15 1666 ( b ) timing of 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 ''
Consumer complaint received 2023-04-30
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. (GA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (DC)

In late XX/XX/XXXX, I applied for the XXXX XXXX XXXX XXXX credit card and approved on XXXX XX/XX/XXXX. At the time of application the card was offering 2 XXXX tier-qualifying night credit for each eligible night stayed from XXXX XX/XX/XXXX to XXXX XX/XX/XXXX for applying and getting approved for the credit card by XXXX octber XXXX. Between XXXX XX/XX/XXXX and XX/XX/XXXX I stayed 14 eligible nights with XXXX and never recieved any double tier qualifying nights. I reached out the chase about the issue in late XXXX and was told that I will recieve my tier nights will on my next statment closed date in XXXX. After I did not recieve my tier qualifying nights I reach out again and was told " Qualifying tier nights can only be earned on nights stayed and paid with the credit card '' this language was not found anywhere in application or in the promotional details, only requirement stated was that I open and get approved for the account by XXXX XX/XX/XXXX. I requested chase send me proof of that the language was in the application but never recieved anything. I reached out to chase again again on XXXX XXXX as the reason for rejecting my promotional benefits was incorrect and was told " The offer you are inquiring is only for accounts open XX/XX/XXXX XX/XX/XXXX and can not be manually applied. '' which was also incorrect as the promotional offer ran from XX/XX/XXXX to XX/XX/XXXX. I reached out the XXXX providing chase the promotional details of the offer showing it ran from until XXXX XX/XX/XXXX and was told that " those terms where incorrect and is from a XXXX offer '' which is also incorrect as the credit card was announced on XX/XX/XXXX. On XXXX XXXX I reached out to chase to inform them of the mistake and was told they will no longer be responding to this inquiry. 

As part of my sign up promotion there was a also a XXXX bonus point after completing $ XXXX in purchases in 3 months. I recieved that portion of the offer and im not inquiry about that portion of the offer.
Consumer complaint received 2023-04-30
Product: Payday loan, title loan, or personal loan — Personal line of credit
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: Kikoff Inc. (AL)

I am writing to file a formal complaint regarding a late payment that was reported to the credit bureaus, which is negatively impacting my credit score and my ability to purchase a home. Despite several attempts to have this late payment removed, it still remains on my credit report. 

As per the law 15 U.S.C 1681 Congressional findings and statement purpose, I have the right to an accurate and fair credit report, and the presence of this late payment is a defamation of my character and an inaccurate reflection of my creditworthiness. It is also damaging my livelihood, as it is preventing me from obtaining a mortgage to purchase a home.

I want to point out that I canceled my services with your company before any further damage could be done to my credit score, and I have made several attempts to have the late payment removed from my credit report directly with your company. However, my requests have gone unanswered and the late payment remains on my credit report. 

I would appreciate your immediate attention to this matter and request that the late payment be removed from my credit report as soon as possible. I am eager to move forward with my plans to purchase a home and rebuild my credit
Consumer complaint received 2023-04-30
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: Experian Information Solutions Inc. (CA)

Description X 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. 
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 has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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.

Chapters
Consumer complaint received 2023-04-30
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: AMERICAN EXPRESS COMPANY (VA)

American Express continues to show a late payment on XX/XX/18 on a closed account which is a direct violation of the FCRA 15 US Code 1666 ( b ) Timing of payments " A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose ''
Consumer complaint received 2023-04-30
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: Experian Information Solutions Inc. (VA)

XXXXXXXX XXXX XXXX has reported a late payment on XX/XX/21 which is a direct violation of the FCRA 15 US code 1666b Timing of Payments. '' A creditor may not treat a payment on a credit card account under a an open end consumer credit plan as late for any purpose ''