davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-28
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)

The inaccurate information maintained on my credit report has not only resulted in significant financial harm but has also caused substantial emotional distress. The false representation of my personal and financial information is a clear act of fraud. It has deceived creditors and financial institutions, leading to higher interest rates, denial of credit and an overall detrimental impact on my financial standing. This constant struggle to rectify these inaccuracies has inflicted undue stress and anxiety, undermining my trust and the credit reporting system. 

Moreover the persistence of these errors despite multiple disputes exacerbate the situation, suggesting an element of extortion. By refusing to correct these inaccuracies, you are leveraging this misinformation to exert financial pressure on me. This coercion forces me into a position where I am compelled to take unnecessary financial measures, further aggravating my emotional and financial well-being the distress caused by the situation is profound as I am being unfairly penalized for errors that are beyond my control. 

The continuation of these inaccuracies represents a violation of my rights under the FCRA and FDCPA The failure to correct or delete this false information despite clear evidence and legal demands, highlights a disregard for the laws designed to protect consumers. This ongoing issue is caused not only financial repercussions but also significant emotional turmoil impacting my daily life and overall mental health.
Consumer complaint received 2023-07-11
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: Experian Information Solutions Inc. (MN)

There is an account that is not mine and it is reporting inaccurate information. I have disputed this and it still remains. I don't know how this is possible but the information is changed instead of removed. Attached I have a copy of an example of the inaccurate information. XXXX XXXX is reporting that I opened this account in XXXX XXXX, XXXX. I have previous reports where they claim something else as well as their report states I had a late payment in XX/XX/XXXX. Two years before the alleged account was opened.
Consumer complaint received 2024-09-17
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. (MA)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-09-17
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. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX XXXX. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been XXXX XXXX XXXX, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-17
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. (TX)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the XXXX mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security XXXX My correct address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX employer XXXX : Self employed Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. 
Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within XXXX  days.
Consumer complaint received 2023-11-22
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'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 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 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.
Consumer complaint received 2018-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NY)

I was looking to apply for an everyday rewards credit card and I went online to www.americanexpress.com ( XX/XX/2018 ) and clicked on " cards ''. There were different options for cards and the BLUE CASH EVERYDAY card seemed to fit my needs and what I was looking for. The welcome offer stated " 0 % APR for the first 12 months '', {$200.00} back as statement credit after spending {$1000.00} using Amex card the first 3 months of card membership. I then clicked " apply now '' and upon submitting my information I was instantly approved. I DID NOT leave the page and returned at a later time. At the bottom of the welcome offer I clicked " apply now ''. 

After receiving my card, I made a big purchase and I called american express to ask general questions on rewards and such. I was told that I did not receive the welcome offer 0 % APR. I asked to speak with a manager, and I was told they would investigate this and I would get a notification with the outcome of the investigation. I was notified a few days later that I was not eligible for the welcome offer with no explanation. I called back to speak with a manager and apparently a manager was not available and the representative took my phone number and told me I would receive a call from a supervisor/manager. No one ever called me. I am extremely disappointed because I was looking to build my credit, however, due to the misleading and FALSE information/advertising on the American Express website I am now receiving outstanding interest rates. I would of never applied for this card if it wasn't for the welcome offer. It is unfortunate that no one at American Express helped me by honoring the welcome offer and fixing the situation as I truly believe this is something that could of been rectified to keep customers happy. Each and every representative I spoke to did not try to help me and seemed to rush me off the phone. 

If they honored the welcome offer I would of been a loyal customer for life, paid off my balance in full and continued to use my card and eventually upgrade. I want American Express to do the right thing by applying the welcome offer to my account 0 % APR and apply the {$200.00} statement credit on the XXXX month since I spent over {$1000.00} during the first 3 months of my card membership.
Consumer complaint received 2023-11-22
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. (GA)

I filed several disputes with XXXX on the XXXX XXXX account on my report there has been error after error reporting every month, this account has been charged off since XX/XX/23 but showing last payment reported XX/XX/23, at this time I no longer had possession of the vehicle, today showing missed payment on a charged off loan. I want XXXX to remove this account for inaccurate reporting and shared information without my consent. This has been going on for over 6 months for inaccurate reporting and violations. I want this account removed immediately.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXXXXXX XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment history reflects several late payments, including 30, 60, and 90, 120-day delinquencies. However, I have provided evidence showing timely payments for all months in question. This includes bank statements and transaction confirmations for the payment due, which were made on time, but incorrectly marked as late. Additionally, subsequent months were marked late due to this erroneous initial marking, despite no further delinquencies.

Evidence, such as transaction logs and confirmation numbers, was submitted in each dispute, proving that my payments were received within the agreed-upon grace period, but this has not been rectified by any of the credit reporting agencies.

Furthermore, these discrepancies have negatively impacted my credit score, creating significant financial stress and impacting my ability to access credit at favorable rates.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXXXXXX XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment history reflects several late payments, including 30, 60, and 90, 120-day delinquencies. However, I have provided evidence showing timely payments for all months in question. This includes bank statements and transaction confirmations for the payment due, which were made on time, but incorrectly marked as late. Additionally, subsequent months were marked late due to this erroneous initial marking, despite no further delinquencies. 
Evidence, such as transaction logs and confirmation numbers, was submitted in each dispute, proving that my payments were received within the agreed-upon grace period, but this has not been rectified by any of the credit reporting agencies. 
Furthermore, these discrepancies have negatively impacted my credit score, creating significant financial stress and impacting my ability to access credit at favorable rates. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

My account with XXXX EXPERIAN 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 ( 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. 


XXXX EXPERIAN 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 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DE)

I am disputing the XXXX XXXX XXXX XXXXXXXX collection account on my credit report, which incorrectly shows a past due amount of {$2000.00} as of XX/XX/year>. The original creditor is listed as XXXX XXXX XXXX XXXX, and I have never received any documentation or verification to substantiate this debt. 

In XX/XX/year>, I initially disputed this account, and it was updated in XX/XX/year>, but the information remains incorrect and unverifiable. I believe the reporting of this collection account is either inaccurate or outdated, and it is harming my credit score.
Consumer complaint received 2024-09-17
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)

I recently reviewed my credit report and found an account listed under the name ( XXXX XXXX XXXX ) with the account number ( XXXX ) that is inaccurately reporting late payments for XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
( XXXX  ) with the account number ( XXXX ) that is inaccurately reporting late payments for XX/XX/XXXX These payments were actually made on time. The consumer reporting agencies need to ensure all information is reported accurately. These accounts has never had any late payments. I have attached a copy of my report for your reference and request that you investigate this matter and promptly remove the incorrect late payment entries.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DE)

I am disputing credit reporting agencies , Inc. auto loan account on my credit report, which is incorrectly reported as charged off with a past due amount of {$22000.00} as of XX/XX/XXXX. The account status is inaccurate, and the reporting is causing harm to my credit score. I initially disputed this item in XX/XX/XXXX, but the information remained unchanged following the investigation. 

Despite my efforts to correct this, the account is still incorrectly listed as charged off and remains on my credit report. I am requesting that this account be removed from my credit report, as it is either inaccurate or unverifiable.
Consumer complaint received 2024-10-28
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

During my tenancy at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, CA XXXX ) from XX/XX/XXXX to XX/XX/XXXX, several unresolved issues caused significant hardship. Despite repeated formal communications, managementparticularly XXXX XXXX and XXXX XXXX to address my complaints adequately. 

Persistent Noise Complaints : I reported continuous noise disturbances throughout my stay. On XX/XX/XXXX, I informed management that I would withhold rent until the noise issue was resolved, but no action was taken. As a result, I incurred over {$20000.00} in expenses for noise insulation and medical treatment for XXXX, caused by the neglect of my concerns. 

Harassment and Discrimination : During my stay, I was subjected to XXXX XXXX  and discriminatory behavior by XXXX XXXX XXXX, including XXXX XXXX and XXXX XXXX. Despite the seriousness of these allegations, no remedial action was taken by XXXX XXXX management, violating both federal and state laws. 

Incorrect Billing and Unlawful Collections : XXXX XXXX forwarded an unjust charge of {$2800.00} to Fair Collections & Outsourcing ( XXXX ) despite my formal dispute. XXXX began collection activities without properly investigating the situation. I contested the bill on XX/XX/XXXX, but XXXX continued its collection attempts. 

Unresolved Dispute and Collection Offers : On XX/XX/XXXX, XXXX offered a XXXX XXXX discount on the disputed charge. On XX/XX/XXXX, they increased the discount to XXXX XXXX, requesting a payment of {$1700.00}. Then, on XX/XX/XXXX, XXXX offered a further XXXX XXXX discount. However, given the unresolved issues and misconduct, I contend that the appropriate amount owed is {$0.00}.
Consumer complaint received 2024-09-17
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. (SC)

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.