davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-01
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)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE 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.

This company 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 2015-12-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (FL)

Experian is reporting over XXXX XXXX XXXX XXXX different names that are totally wrong. Experian is reporting addresses where I have never live at. This CRA is not correcting this erroneous information, even when I submitted a copy of my FL state driver 's license an my C concealed arm permit in support of the dispute.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX # XXXX - BALANCE {$2200.00} Account Name : XXXX XXXX XXXX # XXXX - BALANCE {$150.00} Account Name : XXXXXXXX XXXX XXXXXXXX # XXXX - BALANCE {$720.00} Account Name : XXXX XXXX # XXXX - BALANCE {$200.00} Account Name : XXXX  XXXX # XXXX Account Name : XXXX  XXXX # XXXX - XXXX {$77.00} Account Name : XXXX XXXX XXXX # XXXX - BALANCE {$280.00} Unauthorized inquiries XXXX  XX/XX/year>
Consumer complaint received 2024-10-01
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 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 XXXX 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 : The payment was made on time. My records show that the payment was submitted in XXXX and XXXX, XXXX, well before the due date. I have attached bank statements and payment confirmation receipts as evidence of this timely payment. 
Additionally, I did not receive any prior notice or warning of a delinquency, further suggesting that there was an error in processing or crediting my payment. 
This inaccurate late payment entry has resulted in unjust negative consequences on my credit score, affecting my ability to secure favorable credit terms.

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 2016-03-18
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In the process of filing a fraud report plan with the FTC I requested a free credit report from XXXX. After filling in the required information, I requested the report. A message was displayed that I had requested this free report on XXXX XXXX, 2016. I did not request this report on that date or on any date in the past. My complaint is that I did not request this information and my credit report was given to someone requesting it using my Social Security number.
Consumer complaint received 2024-10-01
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. (GA)

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 2015-04-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC (OR)

My mortgage was recently transferred to Seneca Mortgage Servicing. I have made my required mortgage payment in written check form in the amount owed plus additional amounts to go toward the principal balance of the loan. To this date Seneca Mortgage Servicing has received my written checks with the coupon that is attached to their monthly mortgage statement, but have yet to credited my account the full amount that they have withdrawn from my banking institution. The mortgage statements that they have sent me, reflects my mortgage account history since they have taken over servicing. Seneca Mortgage Servicing has applied my payments as they want, regardless of my coupon stating where to put the money. For instance XXXX of my mortgage payments breakdown was in XXXX different accounts ; Principal, Interest, Escrow, and OTHER. 
I have talked with a XXXX different service representatives, XXXX last week and XXXX this week. XXXX representatives have not been able to give me any indication that they know what has happened to my mortgage payments. I have asked them to have a research analyst review my account and get back to me, twice. I also asked the service representative what was the definition of the " OTHER '' account, neither service representative had an answer. The mortgage statement already has a section titled late charges/fees, so why do they need an account titled " OTHER ''? Is this legal for a company to park money in an unidentified account and not be able to tell you why it is being held there. To date I have yet had any resolution for Seneca Mortgage Servicing misappropriation of my mortgage payments.
Consumer complaint received 2024-10-01
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 XXXX XXXX XXXX XXXX XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian XXXX a late payment reported by XXXX 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 : The payment was made on time. My records show that the payment was submitted in XXXX and XXXX, XXXX, well before the due date. I have attached bank statements and payment confirmation receipts as evidence of this timely payment. 
Additionally, I did not receive any prior notice or warning of a delinquency, further suggesting that there was an error in processing or crediting my payment. 
This inaccurate late payment entry has resulted in unjust negative consequences on my XXXX XXXX, affecting my ability to secure favorable credit terms. 

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 XXXX, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my XXXX XXXX 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 2024-10-01
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. (OH)

These are not my accounts. Please remove it from my credit report. 

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 2015-12-18
Product: Credit card — 
Issue: APR or interest rate — 
Company: AMERICAN EXPRESS COMPANY (CA)

I have a plan of payment with the American express that I will pay them $ XXXX/month until m y balance is fully paid with an interest rate of 9.9 %. my credit card is closed. this billing period of XXXX/XXXX/XXXX to XXXX/XXXX/XXXX they increased my interest rates to XXXX %. I am seeking your office help to compel the American express to honor the agreement. Thank you very much.
Consumer complaint received 2024-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CLGF Holdco 1, LLC (CT)

I received a destiny XXXX  in my maiden name that I havent used in XXXX  years along with an address that I havent used in XXXX years. I never requested this credit card. There was apparently already a balance of {$170.00} on this card. I called the credit card company phone number listed on the back of the card on XX/XX/year> and the person told me that they are starting an investigation on my report and that some documents will be sent to me to fill out, he mentioned something about an affidavit.
Consumer complaint received 2024-10-01
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. (MI)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''
Consumer complaint received 2024-10-01
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. (AL)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : 1. Name : My current legal name is XXXX XXXX, but it is listed incorrectly on my credit report as XXXX XXXX XXXX request that my name be updated to reflect the correct information. 

2. Date of Birth : The date listed on my credit report, 1971, is listed incorrectly. I request that my Date of Birth, XXXX, be updated. 

I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my driver 's license and social displaying my correct name and Date Of Birth.
Consumer complaint received 2024-10-01
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. (OH)

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX ) XXXX XXXX XX/XX/2023 Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc. (IL)

To Whom It May Concern, I am writing to notify you of your legal obligation to adhere to the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards. I am disputing the accuracy of the following account that has been reported on my credit report : Account Information : Account Name : SELF FINANCIAL/LEAD BA Account # : XXXX Account Status : Closed Balance : {$4600.00} Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX I believe this account is fraudulent and was opened as part of an identity theft incident, following my personal data exposure in the XXXX XXXX data breach. I have never opened or authorized this account. Under the FCRA, you are required to ensure the maximum possible accuracy of the information you report. Furthermore, the Metro 2 standard, developed by the Consumer Data Industry Association ( CDIA ), mandates consistent and accurate reporting of all credit information. The reporting of this account is not compliant with these requirements as it was neither validated nor verified. 
Request for Action : I am formally requesting : 1. Immediate removal of this account from my credit report across all major credit bureaus, including XXXX, XXXX, XXXX, and XXXX. 
According to the FCRA ( 15 U.S. Code 1681i ), you are required to verify the accuracy of disputed information within 30 days of receiving a dispute. Failure to verify or correct the information requires that the account be deleted from my credit report. 
If this matter is not resolved promptly and the fraudulent account is not removed as required, I reserve the right to take legal action under the FCRA to protect my rights. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-01
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. (ID)

Every year for last 3 years I have disputed a collections on my report via XXXX They have removed it on my report as fraudulent and not mine for XXXX and XXXX. There is another new collection agency this year and again I am disputing because this is NOT mine. I have never had XXXX or authorized an account in my name. Now they saying it's verified? How is this when it's been verified as not mine the last 2 years. I have sent this information and they are researching it.
Consumer complaint received 2024-10-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-01
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 XXXX XXXX XXXX XXXX XXXX  Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX 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 : I made my payments on time. The payments were due on the XXXX of each month, and both payments were submitted on the XXXX of the respective months. I have included bank statements and payment confirmations to verify that the payments were made before the due dates. 
There appears to have been an internal error by XXXX XXXX, where the payments were not correctly processed or credited to my account on time, leading to these inaccurate late payment reports. 
Additionally, no notification or communication was sent to inform me of a late payment, which further supports that the reported delinquency is in error. 
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 XXXX, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my XXXX XXXX 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