davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-27
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: Colony Brands, Inc. (OK)

I have never initiated or opened any account with Swiss Colony or any of it's associates or affiliates. I disputed the validity of the account with XXXX and XXXX on XX/XX/XXXX. Yet, the company maintains that the account is valid. I would like the FTC/CFPB to launch an investigation and seek possible legal action against Swiss Colony located at XXXX XXXX XXXX XXXX XXXX XXXX telephone number XXXX. 

I have contacted the company several times, they maintain the following : there is no history on the alleged a account, no orders on the account, and no date when the account was opened. Yet, the account appears on my XXXX and XXXX credit reports. As of XX/XX/XXXX, the alleged account is reflecting a credit limit of {$1000.00} of which {$110.00} has been utilized. 

On XX/XX/XXXX, XXXX of XXXX, I spoke with several representatives to include the lost prevention department and I have been unable to resolve this matter. All representatives that I spoke with at Swiss Colony maintain that no account exists. The last representative provided an account number, yet maintained that no orders have been made and no history exists on the alleged account. 

I am in the process of purchasing a new home and this is negatively impacting my credit.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (OR)

Kindly dispute the bankruptcy that appears on my credit report, I'm writing. I have a court letter stating to the fact that this bankruptcy should not to be published. This situation gets worse by the involvement of an unauthorized third party.
Consumer complaint received 2024-07-24
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 accounts 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 to be removed/updated.

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.

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!
Consumer complaint received 2024-07-24
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 received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : XXXX XXXX {$0.00} opened : XX/XX/year> By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. 
Thank you for your time and help in this matter.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

My account with the company 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 2024-07-24
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)

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 60 days 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 8
Consumer complaint received 2024-07-24
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)

XXXX XXXX XXXX Reported : XXXXXXXX XXXX XXXX openedXXXX {$1900.00} According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below
Consumer complaint received 2024-07-24
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 strongly urge you to promptly address this error and clear me of any responsibility. It is vital that you conduct a thorough investigation into this matter and rectify the mistake swiftly. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2024-09-09
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Conn's, Inc. (AL)

I enrolled in a XXXX XXXX XXXX. I paid a partial payment in XXXX because the XXXX company made a partial payment in XXXX to ensure the full payment for XXXX was met. A proposal for the Conn 's to accept the proposal has been over 45 days and I am still receiving emails, phone calls, and texts about the account being late. I reached out to the XXXX company and was notified that Conn 's had not accepted the proposal. Maybe this due to the closing of the business but I am reaching out for assistance to get the company to accept the plan and to waive all fees charged for within the past 45 days.
Consumer complaint received 2024-09-20
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. (NJ)

Hello my name is XXXX XXXX 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 XXXX reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission XXXX Identity Theft Affidavit. 

Please delete the items as soon as possible.
Consumer complaint received 2024-07-24
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)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 ( XXXX ) 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, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Consumer complaint received 2024-09-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (IL)

Again, I have had nothing but nonstop problems with this company since they bought my late husband 's mortgage XXXX years ago. They have constantly tried to claim nonpayment. I just received a letter from a local law office that a foreclosure suit has been filed against ME. However, the mortgage in STILL in my late husband 's name because this company and their DBA company that formally owned our mortgage refused to allow me to switch the mortgage to my name when I provided all info that they requested. ( Which probably is in my favor since they are shady and are known to ruin people 's credit for claiming late payments when the payments have actually been made. ) I have had to send the CFPB copies of my checks that were cashed over and over since they purchased my husband 's mortgage. And here we are again. Claiming that I haven't paid them, when I have made consistent payments up until XXXX. I am now selling the house and they are suddenly ... once again ... trying to claim that I am not paying them ... when I have and have sent the proof in to them & this bureau over and over again. You can refer to the previous complaints to see the checks that were submitted and shown to prove that I have paid each month on time. Once again, they have failed to cash XX/XX/XXXX and XX/XX/XXXX checks so I do not have proof of payment for those, but still can prove that I have paid and not missed XXXX months in a row and therefore foreclosure is unwarranted. I have uploaded cashed checks for the last year as proof of payment & their fraudulent continued behavior.
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. (NC)

ExperienXXXX is reporting a charge off account for XX/XX/XXXX on XXXX XXXX account. The account was paid as of XX/XX/XXXX and should not be reporting negatively month. The credit company agreed to remove debt in lieu of payment.
Consumer complaint received 2024-09-06
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Aqua Finance, Inc. (CA)

I have checked my XXXX credit report and realize there's an installment from the XXXX XXXX company with an amount of about {$12000.00}. I completely do not either apply for this type of loan in the history or know about the existing company. I assume that my identity has been compromised and I would like to exclude myself out of this installment since this is not mine and it will affect my credit score.
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

I had experian credit works XXXX but I let it lapse and they keep trying to biill the old card I try to login the experian app to switch to the free credit works but it won't give me that option all it gives me is the option to switch payment methods but I Dont want the premium I just want the basic credit works but they make it if you had a premium account the app or website after you put in your login info will not give you the option to switch to free plans or cancel they just keep harrassing you with declined payment emails but I want the service canceled but theyveont give the option I believe that's fraud and illegal forcing you tivtry and pay a service you Dont want I just want my account deactivated but they have no customer service email
Consumer complaint received 2024-09-06
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. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Office of Michael J. Scott, PC (PA)

This notice come in good faith in an attempt collect A Monetary Judgment that was issued for Plaintiff XXXX XXXX in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX PENNSYLVANIA # XXXXXXXX  against Defendant SCOTT & ASSOCIATES , PC on XXXX day of XX/XX/year>. XXXX was in the amount of {$5000.00}, plus {$89.00}, for a Total Amount due of {$5000.00}. 

To date, Plaintiff has not received payment to satisfy this judgement.
Consumer complaint received 2024-07-24
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. (NC)

Why until now these negative accoounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want 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 — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (IA)

Subject : Update of Personal Information - XXXX XXXX XXXX [ Date ] XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to request an update to my personal information in your records. My name is XXXX XXXX XXXX, and I currently reside at : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I would like to confirm that I have no previous valid addresses. Therefore, please ensure that my credit profile reflects this accurate information. This is the second time I have notified your consent about this issue and this is a direct violation of my rights after you stated in the previous case that all addresses except my legal address have been removed. I will consider contacting an attorney and suing your company if this issue is not resolved properly and promptly. Should you require any further details or documentation to process this update, please feel free to contact me at [ XXXX ] or [ XXXX ]. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Consumer complaint received 2024-07-24
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. (OR)

I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : XXXX XXXX XX/XX/year> {$680.00} By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.
Consumer complaint received 2024-07-24
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)

My accounts 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 to be removed/updated.

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.

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!
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. (CA)

In my recent CFPB complaint to Experian # XXXX, Experian responded that the reported XXXX XXXX info does exist on my credit report however Experian is still reporting the info which continues to negatively impact my score. Furthermore, Experian has been super quick to allow XXXX XXXX to publish & be the author/authority of negatively reporting & impacting my credit score however Experian takes their sweet time to answer investigations & CFPB complaints as if their is no urgency at the height of inflation & my geographical economic region. I have spoken with Experian over the phone & was basically told that conpanies like XXXX XXXX can put whatever fraud onto your credit report & that is solely up to XXXX XXXX XXXX XXXX XXXX wants to remove it or not which i find to be overly rediculous like i'm being lied to when i know uniform commercial codes that do not allow for this type of behavior.