davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-26
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. (LA)

Upon reviewing my credit report, I found erroneous information, in accordance with 15 USC 16c-2, that I believe is harming my credit rating. The listed inquiries were not authorized by me.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

I have always maintained an impeccable payment record with the company, with all my payments set up on Autopay. This reported late payment is due to a system error on their part during payment processing.

This billing error by the company does not reflect my payment history and violates USC Code 1681eb. This mistake has severely impacted my reputation, character, lifestyle, and my family.

I insist that the late payment listed in the MONTHS REPORTING LATE be removed immediately.

The company is not complying with 15 USC 1666b, which outlines the standards for treating a payment as late. They incorrectly reported my payment as late without following the law. 

15 USC 1666b ( a ) specifies that a creditor can not consider a payment late unless reasonable procedures ensure that the periodic statement, with required information per section 1637 ( b ), is mailed or delivered to the consumer at least 21 days before the payment due date.

The company failed to send the periodic statement and disclosures as required by section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the due date in good faith under rule 1002, but it has never been provided. 

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer. 

I demand the removal of the late payments from my consumer reports.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (SC)

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 informationisinaccurate.
Consumer complaint received 2024-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

The bank is refusing to return or accept a dispute for transactions that I did not authorize, and they have been investigating for more than 2 months and I have not received either the provisioned money or the money that was taken from my account. 

bank of american Account ending - XXXX Claim ID : XXXX Claim amount : {$200.00} Initiation date : XX/XX/2024 Account ending - XXXX Claim ID : XXXX Claim amount : {$190.00} Initiation date : XX/XX/2024 Account ending - XXXX Claim ID : XXXX Claim amount : {$2600.00} Initiation date : XX/XX/2024
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I traded my XXXX in through XXXX the beginning of XXXX. The company came and picked the vehicle up ( XXXX ) on XX/XX/year>. The payment isn't due until XX/XX/year> then I still have a 15 day grace period to pay. I have accumlated a late payment on my consumer report. I have reached out to XXXX and they been giving me the run around and won't send the documents that I have been requesting. Please drop the late payment off of my credit because it is hindering me from buying a house.
Consumer complaint received 2024-10-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (TX)

Formal Demand for Debt Verification under 15 U.S.C. 1692g To Whom It May Concern, This letter serves as a formal request for debt verification pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). I am disputing the validity of the alleged debt that Midland Funding claims I owe, and I am exercising my rights under federal law to request full verification of this alleged obligation.

Under 15 U.S.C. 1692g ( b ), you are required to cease all collection activities until you provide sufficient documentation validating the debt. As outlined in XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX App. XXXX ), it is not enough to merely assert the debt 's existence ; Midland Funding must furnish detailed documentation proving that this debt is legitimate, and that you have the legal authority to collect on it. 

Verification Demands : I demand the following information in order to verify the alleged debt : Proof of Original Creditor : Documentation identifying the original creditor, along with a detailed account of the debt 's origination and any subsequent transfers of ownership.

Proof of Legal Authorization : Evidence that Midland Funding has the legal right to collect this debt, including but not limited to assignments or contracts transferring the debt to your agency.

Complete Account and Payment History : An itemized statement showing the amount claimed, all fees and interest charged, and the precise calculation of the total amount alleged to be owed.

Failure to provide the required verification within the mandated timeframe will be considered a violation of the FDCPA. In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX. XXXX ), the court reaffirmed that debt collectors must substantiate their claims through rigorous and transparent documentation, failing which collection efforts must cease. 

Notice of Action : Please note that until adequate verification is provided, any further collection efforts or negative reporting to credit bureaus regarding this alleged debt will be considered a violation of my rights under the FDCPA. Should Midland Funding fail to comply, I reserve the right to pursue all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-26
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 Experian was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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.

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.

Experian 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 2024-08-26
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. 

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 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-09-26
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. (NC)

I have XXXX accounts still showing Late payments on my XXXX XXXX and Experian and these accounts are XXXX XXXX showing late for XX/XX/23 on Experian and XXXX but not XXXX. XXXX XXXX showing late for XX/XX/23 and XX/XX/23 on XXXX and XXXX but not even showing up at all on Experian. I filed a lawsuit with XXXX already and I am doing the same as of today with XXXX and Experian.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

I REQUESTED MY REPORT TO BE UPDATED OR CLEARED BECAUSE EVERY TIME I WENT ONLINE TO CHECK MY CREDIT SCORE/REPORT IT READ INFORMATION FROM XX/XX/scrub>XXXX XXXX AND NEVER HAS UPDATED SINCE! I SUBMITTED A COMPLAINT PREVIOUSLY THROUGH THE CFPB BUT EXPERIAN TOOK MONTHS TO REPLY WITH A RESOLUTION AND THEN WHEN I FINALLY RECEIVED A REPLY THEY ACCUSED ME OF BEING INCARCERATED WHEN I NEVER TOLD THEM THAT ALSO I HAVE NEVER BEEN TO JAIL!!! EXPERIAN TOTALLY DISREGARDED MY ISSUE AND I HAVE NO IDEA WHAT REPORT THEY WERE TRYING TO MAIL ME BECAUS XXXX HAVE NEVER BEEN INCARCERATED SO THERE MUST BE A CASE OF MISTAKEN IDENTITY! I BELIEVE THIS COMPANY IS PLACING FRAUDULENT INFORMATION ON MY REPORT TO HOLD ME BACK FROM USUING MY CREDIT FAIRLY!
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

I REQUESTED MY REPORT TO BE UPDATED OR CLEARED BECAUSE EVERY TIME I WENT ONLINE TO CHECK MY CREDIT SCORE/REPORT IT READ INFORMATION FROM XXXX XXXX AND NEVER HAS UPDATED SINCE! I SUBMITTED A COMPLAINT PREVIOUSLY THROUGH THE CFPB BUT EXPERIAN TOOK MONTHS TO REPLY WITH A RESOLUTION AND THEN WHEN I FINALLY RECEIVED A REPLY THEY ACCUSED ME OF BEING INCARCERATED WHEN I NEVER TOLD THEM THAT ALSO I HAVE NEVER BEEN TO JAIL!!! EXPERIAN TOTALLY DISREGARDED MY ISSUE AND I HAVE NO IDEA WHAT REPORT THEY WERE TRYING TO MAIL ME BECAUS XXXX HAVE NEVER BEEN INCARCERATED SO THERE MUST BE A CASE OF MISTAKEN IDENTITY! I BELIEVE THIS COMPANY IS PLACING FRAUDULENT INFORMATION ON MY REPORT TO HOLD ME BACK FROM USUING MY CREDIT FAIRLY!
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I leased a XXXX XXXX though XXXX XXXX XXXX in XXXX IL. XXXX XXXX XXXX XXXX as a XXXX. I have my contract that was signed for the truck. The company bankrupt and closed down causing all trucks to be repossessed. I reviewed my paperwork and found out the Financial company for the truck payment was XXXX XXXX XXXX. I contacted them. I was then told that XXXX XXXX was leasing trucks and were not informing them of the lease. Which means the particular truck I had was never under my name from what the representative stated to me. They also stated the truck was put in auction and sold. So I have a balance on my credit report that is not mine apparently. I cant not contact XXXX XXXX because the numbers are no longer working an they are not located at the address anymore.
Consumer complaint received 2024-09-26
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 to formally express my concerns and frustration regarding the XXXX data breach that occurred in 2017. As a victim of this incident, my personal and financial information has been compromised, leading to significant distress and ongoing issues with identity theft. XXXX is inaccurately reporting my Social Security Number, posing a significant risk to my financial security and identity integrity. You have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX i my presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Consumer complaint received 2024-09-26
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. (FL)

I did not authorize any of the below. Please remove all my credit immediately. 

Experian credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX PLEASE REMOVE IMMEDIATELY!!!
Consumer complaint received 2024-09-26
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. (PA)

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 XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-26
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. (PA)

Hello, I recently review my credit report and I noticed a reinserted account on my report. 


NAME : XXXX XXXX XXXX SSN : XXXX DOB : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau Subject : Complaint Against [ EXPERIAN ] for Violation of FCRA Section 611 ( a ) ( 5 ) ( B ) Dear CFPB, I am writing to file a formal complaint against [ XXXX ] for violating the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( B ). 

I previously disputed an account XXXX XXXX account number XXXX, on my credit report, which was found to be inaccurate, identity theft and subsequently removed. However, this account has been reinserted into my credit report without any notification from [ EXPERIAN ] within the required five business days. 
This action is in direct violation of FCRA Section 611 ( a ) ( 5 ) ( B ), which mandates that consumers must be notified if previously removed information is to be reinserted into their credit report. The lack of notification has caused unnecessary stress and potential harm to my credit standing. 
I have already contacted [ EXPERIAN ] regarding this issue but have not received a satisfactory resolution. Therefore, I am seeking your assistance to ensure that [ EXPERIAN ] complies with FCRA regulations and corrects this issue immediately. 
Attached are copies of all relevant correspondence, including my initial dispute letter, confirmation of the account 's removal, and my recent dispute regarding the unauthorized reinsertion. 
I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-26
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. (PA)

Hello, I recently review my credit report and I noticed a reinserted account on my report. 


NAME : XXXX XXXX XXXX XXXX  : XXXX XXXX  : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau Subject : Complaint Against [ EXPERIAN ] for Violation of FCRA Section 611 ( a ) ( 5 ) ( B ) Dear CFPB, I am writing to file a formal complaint against [ EXPEIRAN ] for violating the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( B ). 

I previously disputed an account XXXX  XXXX account number XXXX, on my credit report, which was found to be inaccurate, identity theft and subsequently removed. However, this account has been reinserted into my credit report without any notification from [ EXPERIAN ] within the required five business days.

This action is in direct violation of FCRA Section 611 ( a ) ( 5 ) ( B ), which mandates that consumers must be notified if previously removed information is to be reinserted into their credit report. The lack of notification has caused unnecessary stress and potential harm to my credit standing.

I have already contacted [ EXPERIAN ] regarding this issue but have not received a satisfactory resolution. Therefore, I am seeking your assistance to ensure that [ EXPERIAN ] complies with FCRA regulations and corrects this issue immediately.

Attached are copies of all relevant correspondence, including my initial dispute letter, confirmation of the account 's removal, and my recent dispute regarding the unauthorized reinsertion. 
I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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  15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-26
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 Experian 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.

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.

Experian 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 2024-09-26
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. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.