davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 those account 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 XXXX 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 2022-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (CA)

I used a Care Credit card issued by synchrony Bank 2 years ago to finance XXXX work. This month after paying the balance down to {$1800.00} they attached deferred interest for the original loan of {$4800.00}. I never agreed to this nor was I ever informed that this would occur. When I spoke with a person at the company they told me that no matter if I agreed to or was ever informed about this action they told me that didn't matter that I was liable anyway. I am XXXX XXXX XXXX and on XXXX XXXX  and this is a huge hardship for me. I wouldn't mind if it was just on the remaining balance but they are trying to charge me for the entire loan amount. Please help XXXX XXXX
Consumer complaint received 2024-07-27
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. (MA)

Delete late payments I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes. 

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision. 

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated. 
My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : XXXX. XXXX XXXX  # XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP.
Consumer complaint received 2024-10-24
Product: Debt collection — I do not know
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: W&A Intermediate Co., LLC (NJ)

To my best knowledge I have no debt with any collection agencies or unpaid bills. Nothing is reported on my credit and I have not been contacted by any agency or original creditor via mail in last several years to address any outstanding balances. 

On Thursday XX/XX/year> I was contacted by an unknown number. The party refused to identify themselves or the company they were calling with. I was very clear in asking for what company they were calling with and they refused and just kept asking to talk to " XXXX ''. I believe it's a violation of the FDCPA for them to identify their company when specifically asked. I terminated the call only identified then by reverse searching the phone number they called from of XXXX and the company is Wakefield and Associates. 

On Friday XX/XX/year> at XXXX I received a text message that I was opted into text notifications for Wakefield and Associates XXXX debt collector. I again believe this is another violation of the FDCPA as they have contacted me outside of reasonable hours. 

I do not know the validity of the company and will not engage as I have concerns if this being a scam.
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My account with XXXX  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 those account 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  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 2024-07-27
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 writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. Pursuant to FCRA Section 605B it is illegal to report any information on my credit report without my permission. Please remove this item from my credit report. Thank you! 

The account should be showing a XXXX balance. I will add the documents below
Consumer complaint received 2024-07-27
Product: Credit reporting 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. (TX)

I am writing to follow up a complaint regarding the persistent and unresolved issue of fraudulent items on my credit report, despite my numerous attempts to rectify the situation. This letter marks my XXXX attempt to address and resolve the matter, reflecting my ongoing frustration and the significant distress this issue has caused me. 
Despite my repeated efforts and adherence to all required procedures, the fraudulent items have not been removed, adversely affecting my credit score and causing undue stress and inconvenience. I request immediate action to investigate and permanently remove the fraudulent items from my credit report. Additionally, I seek a confirmation letter stating the removal of these items and the rectification of my credit report. I expect a prompt and thorough resolution to this matter and a written confirmation. Kindly help me remove the following items immediately : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, DE XXXX ; XXXX XXXX XXXXXXXX XXXX  Balance : {$680.00} ; XXXX XXXX  XXXX Balance : {$2200.00} ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXXXXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX.
Consumer complaint received 2024-07-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (LA)

I am writing to formally dispute inaccurate information that is being reported on my credit report by the major credit reporting agencies. Despite multiple disputes, the inaccuracies remain uncorrected. I have disputed these inaccuracies directly with XXXX, XXXX, and Experian multiple times, providing all necessary documentation to support my claims. However, the agencies have failed to correct the information, continuing to report inaccuracies that are damaging to my credit profile. According to the Fair Credit Reporting Act, credit reporting agencies are required to report accurate and verifiable information. The persistent inaccuracies and lack of corrective action necessitate the deletion of these disputed accounts from my credit report. 

The continued reporting of inaccurate information is causing significant harm to my financial standing and overall creditworthiness.
Consumer complaint received 2024-07-27
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. (AL)

To whom it may concern : I am writing to officially request the removal of unauthorized credit inquiries on my Experian credit report. My latest credit report shows XXXX credit inquiries that I did not authorize. 
XXXX. XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX and XX/XX/XXXX I would like to highlight the following concerns regarding these hard inquiries : XXXX. Unauthorized Inquiry : I have not given consent to XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX to perform a hard inquiry on my credit report. These unauthorized inquiries have been detrimental to my credit score and overall financial well-being.

2. Lack of Information : I am unaware of the specific purpose for these inquiries. I have not engaged in any new credit applications, loan requests, or any other activities that require a hard inquiry during the stated time frame. 
XXXX. Possible Error : It is possible that these inquiries have been reported incorrectly, or there may potentially be an identity theft issue. I request a thorough investigation to verify the legitimacy of these inquiries.

In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to a prompt investigation of these disputed inquiries. Therefore, I kindly request that you initiate the investigation immediately and provide me with a written response within the legally mandated 30-day period.

Please provide me with the following information upon completion of your investigation : 1. Confirmation of the legitimacy of the hard inquiry.

2. The source of the inquiry.

3. Steps taken to rectify any errors or inaccuracies in my credit report.

4. Verification of the removal of the disputed hard inquiry from my credit profile. 
XXXX. Updated copy of my credit report reflecting the amendments made. 

I understand the importance of maintaining accurate and up-to-date credit information. I respectfully request your urgent attention to this matter and appreciate your cooperation in resolving the dispute promptly. 

Enclosed with this letter are copies of relevant documents supporting my dispute. Should you require any further information or documentation from me, please do not hesitate to contact me using the information provided above. 

Thank you for your immediate attention to this matter. I look forward to receiving a satisfactory resolution to this dispute within the designated time frame. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2024-07-27
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. (CA)

A few months ago, I reviewed my credit report and found discrepancies related to the account XXXX  ( XXXX ), XXXX XXXX XXXX  ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ). This situation is infringing upon my rights. I have disputed these inaccuracies with all three credit bureaus and the creditors and collectors, but I only received generic replies. Consequently, I am filing this complaint based on my findings. The company is violating sections of 15 USC.

15 USC 1681 section 604 ( a ) section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy of information. 

15 USC 1681i ( 5 ) : Failure to investigate and correct inaccurate information.

15 USC 1681s ( 602 ) ( a ) : Failure to provide clear and accurate information to consumer reporting agencies.

15 USC 1681s ( 604 ) ( a ) : Failure to permit access to all information about the consumer 's credit file. Reform Act related to accuracy and fairness in credit reporting.
Consumer complaint received 2024-07-27
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: ENCORE CAPITAL GROUP INC. (NC)

Midland management sent my falsified statement thru the law firm XXXX XXXX XXXX for a debt that was closed in XXXX, but the statements showed purchases and payment from XXXX to XXXX just to try to make the debt valid. My credit report can show that my last payment on this account was XX/XX/XXXX and the account was closed on XX/XX/XXXX. This is not my first dealing with Midland. I manage to handle the first issue many self. But they are getting more aggressive trying to get me to say yes on the phone and making false claim. But this time they put the mistake in writing.
Consumer complaint received 2024-07-25
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America XXXX opened on XX/XX/XXXX and with {$1800.00} balance. 
Bank of America XXXX opened on XX/XX/XXXX and with {$6.00}, XXXX balance These XXXX fraudulent account
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (LA)

Alright. Here is the REAL problem I have with FICO, Experian, XXXX and XXXX. By the way, I just wrote to FICO and vented my frustrations on the UNFAIR practices that ALL the credit reporting agencies are doing to us all when it comes to credit score updates. Got an email from FICO saying my XXXX card account has gone up. My score DROPPED more than XXXX points!! YET, I made a XXXX dollar payment to XXXX on my card and I still have my score lowered!!! I'm getting tired of the way ALL the credit reporting agencies are being UNFAIR in the fact that when a consumer makes a small purchase on a credit card, within days ... a score will go DOWN anywhere from XXXX points!!! WHY, a stinking credit card is MEANT to be used, THAT'S WHY they are there!!! TO USE!!! Make purchases!!!!! TO HELP BUILD CREDIT!!!!! I have worked hard to get my credit card debt DOWN!! Trying my best to get my score UP and I'm getting there! I PAY my cards MORE than the recommended amount and on time! WHY can't changes be made across the board on ALL the reporting agencies on HOW credit numbers are scored, not DING a consumer XXXX points every time a stinking credit card is used. To ME, have an EXCELLENT payment record on ANYTHING we purchase whether it's a car, home or a CREDIT CARD, if a person is paying ON TIME and PAYING MORE than required, make that percentage higher! What can change in our society with FAIR credit reporting by all the bureaus when it comes to FAIR scoring of OUR credit scores??? I for ONE like millions of others are probably XXXX XXXX with the credit bureaus and FICO in their UNFAIR scoring processes. Can someone respond back!! I'd LOVE to hear a GREAT answer on this on POSSIBLE changes with CREDIT, quicker credit report updates and REDOING the credit SCORING process!!! 

Professionally yours, XXXX
Consumer complaint received 2022-12-06
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. (MA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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 receipt.