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

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/year> and XX/XX/year> Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the XXXX grace period : My payments were made on XX/XX/year>, which falls within XXXX  ' standard XXXX grace period. Therefore, the account should not have been reported as XXXX or 60 days late. 
Clerical error by XXXX : My payment, though made on time, was incorrectly recorded as late due to a clerical error by XXXX. This resulted in the inaccurate reporting of a XXXX and XXXX late payment on my account. 
Evidence provided : I have attached bank statements and payment confirmations showing that the payments were made on time, well within the grace period. This documentation proves that no late payment occurred. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-05
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. (FL)

In accordance with the Fair Credit Reporting act Convergent Account : XXXX XXXX XXXX, as per Report ID : 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
Consumer complaint received 2018-10-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

My hardship started when I lost my job and had a decrease in household income. I attempted several times to request for a modification with my mortgage company but to no avail. I provided documents to them over and over again and attended conference and yet I keep getting missing doc letters that ask for the same items ( income ) just recently a delay in judgment was place for XX/XX/XXXX in order for me to provide again my paystubs. This was emailed to lenders attorney yesterday and was told everything will be placed on hold. I understand I should have been given 30 days for review of an option not 11 days.
Consumer complaint received 2024-10-05
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)

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/year> and XX/XX/year> Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the XXXX grace period : My payments were made on XX/XX/year>, which falls within XXXX XXXX standard XXXX grace period. Therefore, the account should not have been reported as XXXX or 60 days late. 
Clerical error by XXXX : My payment, though made on time, was incorrectly recorded as late due to a clerical error by XXXX. This resulted in the inaccurate reporting of a XXXX and XXXX late payment on my account. 
Evidence provided : I have attached bank statements and payment confirmations showing that the payments were made on time, well within the grace period. This documentation proves that no late payment occurred. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account XXXX : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX  I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the 15-day grace period : My payments were made on time, which falls within XXXX 's 15-day grace period. Therefore, the account should not have been reported as 30 days late.

System processing error : I submitted my payment through the XXXX account portal. However, due to a system delay, the payment was not processed until after the due date, even though it was submitted on time. I was not notified of this delay until after the reporting of the late payment. 
Evidence provided : I have attached bank statements and payment confirmation emails showing that the payments were made on time, demonstrating that the late payments were caused by a processing error and not a failure to pay. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-12
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I applied for a Capital One card during a mental illness episode and never used it until XXXX. When I did use it, I used it correctly and paid it regularly. My balance ability to use the card was increased from 300-500. Following the episode, literally the following day, I paid the card off completely. 

In XXXX, I applied for another card and was approved again for XXXX. I used that car to pay off housing debt to move into an apartment with college friends. I had a balance of XXXX when I was then released from my job with XXXX as an XXXX of XXXX. Actually, I was never XXXXXXXX XXXX XXXX, I was XXXX XXXX XXXX. 

Anyway, I still paid that card off and it was paid completely. however, to this day, they refuse to take it off my credit or compensate me for their fraudulent behavior. My credit score was steadily increasing, I have copies of my XXXX and XXXX reports dating back to XXXX when I was re-establishing my credit. 

They still refuse to fix the damage they have done. Due to their negligence, my ability to establish my entertainment legacy, agency, and business has suffered immensely. It actually almost kept me from going back to XXXX XXXX to finish my XXXX.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by SYNCB/AMAZON. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the 15-day grace period : My payments were made on time, which falls within XXXX 's 15-day grace period. Therefore, the account should not have been reported as 30 days late.

System processing error : I submitted my payment through the XXXX account portal. However, due to a system delay, the payment was not processed until after the due date, even though it was submitted on time. I was not notified of this delay until after the reporting of the late payment. 
Evidence provided : I have attached bank statements and payment confirmation emails showing that the payments were made on time, demonstrating that the late payments were caused by a processing error and not a failure to pay. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-05
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. (MI)

On the day of XX/XX/year> at around XXXX XXXX  I had been shopping in the XXXX XXXX XXXX XXXX in Wyoming Michigan when I left my wallet in the parking lot. I contacted XXXX XXXX Police Department and my wallet was retrieved with my personal belongings missing such as my drivers license and my social security card. Currently within the pass few months i have noticed some unauthorized inquiries hitting my credit reports consumer reports such as XXXX, Experian and XXXX. My credit score has dropped traumatically. Please take in consideration that I am a victim of identity theft and help protect and secure my personal information. Thank you..
Consumer complaint received 2024-09-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE (NY)

XX/XX/year> XXXX pm flight on Frontier was cancelled without notice I rebooked the next day, XX/XX/year>. Frontier and Barclays Bank have been attempting to fraudulently charge me {$140.00} for a prepaid flight. Charges with interest are now at {$350.00}, which I will never pay. 
Harassment has continued monthly despite two letters to both parties! 
I would welcome a call or written response from your agency XXXX These practices by both Frontier an Barclays were a subject of FTC hearings in Congress this Spring.
Consumer complaint received 2018-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Re : XXXX XXXX Account # ending XXXX XXXX XXXX XXXX Credit Limit {$8500.00} Account Holder XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX Daily High Balance {$9900.00} My charge card credit limit is {$8500.00} ; but I do not agree my Daily High Balance was ever {$9900.00}. 

I am certain I have never charged over my credit limit ; and if I had, XXXX would have notified me.
Consumer complaint received 2018-10-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Persolve, LLC - Legal - Series 2 (CA)

Back in XXXX I was called and I was offered payment arrangements and I'm thinking XXXX a month, I'm low income and I was yelled at and told I have XXXX kids ( at the time now XXXX ) that I should have enough to pay it since its tax season and I'll get at least 5 or 6 thousand each child not including the other tax refund amounts. I worked at a tax office and was at work when this phone call came through. This was from XXXX 's in which I had Insurance, lost my job and Instead of them paying my monthly payment for 6 months like it states in my insurance agreement they sent me to collections. I have never been allowed to make payment arrangements and it keeps going up. XX/XX/XXXX I was served at the same time I was off work due to emotional and XXXX work injury and had a lawyer. To this day the amounts going up and I cant make any payment arrangements to pay except to give them well over {$3800.00} and I have no job no XXXX no car worth anything nothing and still they keep the amount going up so inco e tax time my refund will be gone ripping me off. My grandma had to change her number because they had a recording call 10 x a day and when we did speak to a live person we stated stop calling and they didnt.
Consumer complaint received 2024-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Affirm Holdings, Inc (FL)

I reserved a stay at a property in XXXXXXXX XXXX for XX/XX/2024 owned by " XXXX ''. The reservation was made via a company in XXXX, XXXX, " XXXX ''. I financed the purchase through Affirm.com. The property did not match the advertised description as there was no convenient parking as promised and so we could not and did not stay. XXXX acknowledged the error but told me it was because of " local property conditions as provided to them by the owner had changed ''. They declined to accept responsibility. I then disputed the transaction with Affirm. The only way to do that was via text. Affirm does not have humans that you can speak with. After reviewing the messages I provided them from XXXX, they merely said that I am responsible for the charges.
Consumer complaint received 2024-11-27
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: USA Cash Services Management, Inc. (CA)

I took a loan out in or around XX/XX/year> I had several hardships and am struggling to repay the loan. However the law permits the lender only two failed attempts to withdraw from bank and thats it they have made several attempts! Which creates many overdraft fees for me
Consumer complaint received 2018-10-14
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. (CA)

Hello, On XX/XX/XXXX, I requested verification ( the original instrument of indebtedness in it's original form ) for the following student loans from Experian Credit Bureau : 1 ) Account # : XXXX 2 ) Account # : XXXX 3 ) Account # : XXXX 4 ) Account # : XXXX 5 ) Account # : XXXX 6 )  Account # : XXXX Experian received my letter certified mail on XX/XX/XXXX. They replied on XX/XX/XXXX with a letter describing their dispute process. I have attached the letter for you to review. Also they replied in comments : " By XX/XX/XXXX, this account is scheduled to go positive status. This item was updated from the processing of your dispute in XX/XX/XXXX. '' Experian, XXXX, and XXXX has failed to comply with SECTION 609 of the Fair Credit Reporting Act which requires the credit bureau to send me a copy of the Original Wet-Inked Contract that I signed and not send me copies of copies of third party fraudulent and inaccurate documents or contracts. According to the Fair Credit Reporting Act, the credit bureau is required to verify through physical verification of the original signed certified consumer contract with my Wet-Inked Signature on it for any or all accounts they request to be posted and or reported on my credit report. Copies of copies are not Validation and are not considered proof for these accounts on my credit.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Credit Report
Consumer complaint received 2024-10-05
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. (MI)

RE : Late Payment Improperly Reported- I XXXX XXXXXXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated. You have violated my consumer rights and violated federal law. I have attempted to bring this issue to light on multiple occasions as I have attempted to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.