davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (GA)

This complaint is simple. A company by the name of XXXX XXXX XXXX has XXXX entries on my credit file. I have disputed them previously but they keep coming back verified. I disputed in writing to this company for validation of debt and never heard heard anything back, yet they continued with collection efforts. I found out this company is no longer is business per the XXXX website and recently entered into a consent agreement with CFPB to recoup monies illegally collected by consumers. So my question is how did the credit bureau verify a debt with a company that is no longer in business??? The phone number for the business is now a recording for a promotional offer.
Consumer complaint received 2020-06-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Stern & Stern. P.C. (NY)

my name is XXXX XXXX on XX/XX/XXXX i sent out a notice to XXXX XXXX XXXX XXXX indicating that they STOP there billing of XXXX for alleged tax reduction they reduced on my behalf which i had not contracted with them, so i sent them a notice and i stated for them to rescind and STOP this action toward me XXXX XXXX otherwise i would be contacting the attorney general office and the proper authority regrading this matter i also stated that i would be sending this notice USPS certified return receipt with tracking number XXXX XXXX XXXX XXXX XXXX and for XXXX XXXX XXXX XXXX TO contact me within 7 days of receipt if they had and problems with what i stated via USPS certified mail well i had had not received no correspondence as of the allotted time. 
Now Comes XX/XX/XXXX three years after the fact. I XXXX XXXX received a letter from Law Offices of Stern & Stern, P.C. 
XXXX XXXX XXXX XXXX, New York XXXX DCA # XXXX ] Alleging i owe a debt to them on behalf now XXXX. WHICH i have never heard of or XXXX XXXX XXXX XXXX i addressed the letter to XXXX  XXXX XXXX WHICH i stated i resolved this matter with XXXX XXXX XXXX XXXX SNICE i never heard back from them as we know in Law silence is equal to acquiescence and would provide them with the documents this NOTICE WAS SENT OUT XXXX XXXX i stated to Law Offices of Stern & Stern, P.C and i ask them to please answer the following Questions:1-Is it true that you are a collection Agency DBA STERN & STERN P.C . ? Yes or No? 

2-Is it true that you have a vested interest in collecting this alleged debt? Yes or No? 

3-Is it true that STERN & STERN P.C. a collection agency and is not a holder in due course of this alleged contract? Yes or No? 

4-Is it true that STERN & STERN P.C. Collection Agency has purchased this alleged debt from XXXX XXXX XXXX XXXX and are asking for my consent to collect money to benefit your agency? Yes or No? 

5-Is it true that XXXX XXXX XXXX XXXX have charge off this account? Yes or No? 
You are advised that I XXXX XXXX demand you to respond to all questions and return your answer in writing, within 10 days of receipt of this notice. I will be sending you a copy marked # 2 therefore return the second mark with a circle in your answers and signed by your agent. 
This notice will be sent USPS certified mail return receipt tracking number [ XXXX XXXX XXXX XXXX XXXX ] marked # 2 return circled and signed. 
i did not hear from them and now i come home on XX/XX/2020 i find papers on the floor stating they filed in XXXX county an alleged suit on XX/XX/2020 and i have 30 days to respond when if fact they never respond to my NOTICE AND DEMAND TO STOP THIS SCAM. I AM DEMANDING THE STOP AND DESIST IMMEDIATELY. I XXXX XXXX will upload all correspondences to you at cfpb thank you for your help.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX 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 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 that are reported 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. 
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 2024-07-19
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. (MO)

Subject : Request for Investigation and Removal of Unauthorized Accounts and Inquiries on 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 Dear Sir/Madam, I am writing to file a formal complaint regarding the unauthorized addition of several accounts to my credit report by Experian, XXXX, and XXXX. I believe that these actions constitute a violation of my consumer rights under 15 USC 1621, and 1608, as the accounts listed below were added to my credit report without my written consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that all these unauthorized accounts be not only closed but entirely removed from my credit report as they lack my permission or consent and do not pertain to me. Additionally, I would like to request the removal of the following hard and soft inquiries 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  I kindly ask the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to rectify the violations of my consumer rights. Your assistance in resolving this issue will be greatly appreciated. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-19
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. (MO)

My account with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 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 that are reported 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. 
XXXXXXXX XXXX XXXX XXXX XXXX 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 2024-07-19
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)

Please take a look at the attached letters and ID docs for verification that it is I 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 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX XXXX XXXX # XXXX ( {$920.00} ), Account name : XXXX XXXX XXXX # XXXX ( {$120.00} ), Account name : XXXX XXXX # XXXX ( {$4600.00} ), Account name : XXXX XXXX XXXX # XXXX ( {$2400.00} ), Account name : Genesis Credit Management # XXXX ( {$5900.00} ) 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: AC AutoPay LLC, Denver, CO Branch (AZ)

On XX/XX/XXXX of this year I applied oneline with Autopay, an automobiled loan/lease buyout lender for a loan to purchase my leased automobile from XXXX XXXX XXXX XXXX XX/XX/XXXX of this year my loan-lease buyout was finalized and I was forwarded an offer of contract by the lender/broker, of which I accepted and returned. As of XXXX XXXX of this year, the funding had not occured and was advised would not take place. This is bad faith and breach of contract.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

The adverse rating on my account is a source of deep concern. I'm gravely worried about its detrimental effects on my credit standing. This negative mark has already led to the rejection of a recent loan application and escalated interest rates on my current credit accounts. The financial hardship and emotional toll this unfavorable rating has inflicted, and will continue to impose until resolved, are significant and can not be overstated.
Consumer complaint received 2024-07-19
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 want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CT)

Please take a look at the attached letters and ID docs for verification that it is I 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 2024-07-19
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)

This account was charged off on the following date [ XXXX, 2021 ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX ( original creditor : XXXX )
Consumer complaint received 2024-07-19
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. (CA)

I am writing this letter to convey my deep dissatisfaction and disappointment with the manner in which your bureau has responded to my identity theft complaints. This issue encompasses not just the theft of my personal data but also the apathetic approach exhibited by your bureau in managing my situation. I provided all the necessary documentation such as the FTC report I filed with Federal Trade Commission to prove my innocence and the criminal nature of the actions. Despite the gravity of the situation and the profound impact it has had on my life, the response from your bureau has been alarmingly lackluster. I have received minimal communication regarding the status of my disputes, and the responses I have received were generic and unhelpful. This lack of attention and urgency has left me feeling ignored and abandoned by the very institution I relied upon to protect my credit and financial well-being. I implore your bureau to take my identity theft case seriously and expedite the investigation process. I request that you thoroughly review the evidence I have provided and promptly remove the fraudulent account and transactions from my credit report. Additionally, I ask that you take steps to prevent such incidents from happening in the future, as it is clear that my personal information was mishandled and abused. 

XXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-20
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was the victim of identity theft. This is a formal dispute to support my position and claim. 
Below is the information you need to remove or block this account from my report. Also, this account is knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for non-repayment thereof through the credit reporting agencies. BANK OF AMERICA XXXX
Consumer complaint received 2024-07-19
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. (MI)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-07-19
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. (DE)

There are several issues with the decision that I have that Experian made and as a result you guys are stating that the account was updated and there is still a balance in which I have a letter from the original account holder credit bureau which reflects that the accounts were at a {$0.00} balance since XX/XX/2024 Why is this still reflecting a {$10000.00} balance owed on my credit report with Experian.. XXXX neither is XXXX have this information reporting.. The next issue you guys lied about doing and investigation because if that would have taken place you would have been notified by the original creditor that these accounts were paid in full and paid off.. Experian who is the company reporting this has no direct phone number to get in contact with them.. I would like to file a law suit against them for deliberately lying stating they did and investigation.. 
this is the last time that I am asking that you do a proper investigation in 30 days and delete all information regarding these accounts from the Experian credit report.. Credit reporting companies that break the law can be held liable for damages and attorney fees. In the case of a willful failure to comply with the law, the company can be liable for actual or statutory damages as well as punitive damages. I am asking for a payment of {$1000.00} for each violation and {$1000.00} for each month this reflected after XX/XX/XXXX when the original creditor updated information.. The Dept. Of Education stated that they did not report anything because the accounts were paid off.. I informed them that I put a complaint in with Experian back in XXXX and they stated that if they would have been contacted they wouldve received the information that all accounts were paid off for all loans.. This is discrimination as well as fraud. All loans were discharged!!!! 
Total in damages I am asking for is {$4000.00} for {$1000.00} each month from XXXX to XXXX and any additional months these balances reflect giving 30 days from XX/XX/XXXX, for accounts to have been properly updated and another {$1500.00} because there is no phone number to file a report directly with Experian or get a live person on line along with {$4000.00} for lying and reporting falsely after the dispute stating that a balance was still due in which on the statement report that the original creditors informed them that there was a balance owed.. 
Please complete this complaint within 30 day Checks can be mailed to updated address on file Thank you
Consumer complaint received 2024-07-19
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. (MO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, assert that I have fallen victim to identity theft, elucidated by a series of events, and do hereby state the following is true. 

I have a history of being a victim of fraud, as evidenced by my previous FTC complaint # XXXX. Currently, I am a victim of fraud again and have filed a new complaint # XXXX involving the following accounts that were fraudulently obtained under my name. I am seeking to have this information removed from my identity. 

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 

Thank you for your prompt attention to this matter. 

Sincerely
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-19
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. (MO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, assert that I have fallen victim to identity theft, elucidated by a series of events, and do hereby state the following is true. 

I have a history of being a victim of fraud, as evidenced by my previous FTC complaint # XXXX. Currently, I am a victim of fraud again and have filed a new complaint # XXXX involving the following accounts that were fraudulently obtained under my name. I am seeking to have this information removed from my identity. 

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 

Thank you for your prompt attention to this matter. 

Sincerely