davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-06
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)

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian 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 : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/year> and XX/XX/year> Nature of Complaint : I submitted a dispute to Experian XXXX a late payment reported by 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 : Discrepancy in Payment Posting : I made my payment on time ; however, XXXX XXXX delayed posting the payment to my account. Attached is the bank statement showing the exact date the payment was made and processed. The late payment was not due to any fault on my part but rather an internal processing error by the creditor. 

XXXX XXXX : I have consistently made all payments on time for this account prior to the disputed late payment. The late payment does not accurately reflect my history as a responsible payer. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian 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
Consumer complaint received 2024-10-06
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. (VA)

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, Account name : # XXXX  XXXX bankruptcy, 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 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 information is inaccurate.
Consumer complaint received 2024-06-21
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. (PA)

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 2024-10-06
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)

XX/XX/XXXXXXXX  Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian 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 : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by 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 : Payment Made on Time : The reported late payment is inaccurate as I made my payment on time. I have included bank statements showing the payment was processed before the due date.

Account Closure : The account was closed at my request, and no late payments occurred at the time of closure. The reported late payment misrepresents the accounts closure status. Ive included the closure confirmation showing that the account was paid in full before the due date. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian 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
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2024-10-06
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. (SC)

I received a copy of my credit report and I have found that in accordance to the FCRA you violated my rights under 15 USC 1681 SECTION XXXX WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE XXXX XXXX XXXX SECTION XXXX SECTION XXXX ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. Pursuant to XXXX XXXX XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I NEVER gave Experian OR the below listed creditors any written instruction to furnish any information on my consumer report which is a violation of XXXX USC XXXX. Credit Reporting Agency has caused severe XXXX XXXX XXXX due to the abusive and unfair practices. XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-06
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)

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian 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 : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/year> Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by 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 : Payment Made on Time : I made the payment on time, as supported by the attached bank statements showing that the payment was processed well before the due date. 
Account Closed : The account was closed at my request, and no additional charges or late payments should have been reported after the closure date. I have attached documentation confirming this account closure. 
Incorrect Date Reported : The date of the alleged late payment does not match the account 's payment history or my bank records, which show timely payments. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian 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
Consumer complaint received 2024-06-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-06-27
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION (MI)

Navy Federal Credit Union stated they took money from my refund check due to allege overdraft charges. I have no known knowledge of any such charges and they did not provide me with the required documentation to prove the withholding of my money was due and necessary. Before filing a federal lawsuit I feel it is necessary to try and work this out. Forward me copies of all the charges you accessed to come to the monetary value you did.
Consumer complaint received 2024-06-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (AR)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-06-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (GA)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-10-06
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. (TX)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

Account name : XXXX XXXX # XXXX Account name : XXXX XXXX BANK # XXXX Account name : XXXX XXXX : # XXXX Account name : XXXX XXXX  XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX BANK XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX # XXXX Account name XXXX XXXX XXXX # XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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 2024-10-05
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)

XXXX XXXXXXXX HAS FRAUDULANTLY CHANGED DATES ON AN ACCOUNT THAT IS WELL PAST THE STATUE OF LIMITATIONS FOR COLLECTIONS. XXXX XXXX XXXX WAS CHARGED OFFIN XXXX BUT XXXX XXXX HAS REPORTED THE A CCOUNT AS BEING CHARGED OFF XXXX YRS LATER NOT ONLY VIOLATING MY RIGHTS BUT ALL LAWS GOVERNING ACCOUNTS BEING REPORTED TO CREDIT BRUREAS. REPORTING FRAUDLANT INFORMATION IS ILLEGAL. CHANGING AND ALTERING CREDIT INFORMATION IS ILLEGAL.
Consumer complaint received 2024-07-16
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: EQUIFAX, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-10-05
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. (OH)

I am filing a formal complaint against Experian for their failure to remove fraudulent information from my credit report and their violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I have asked Experian to remove the XXXX XXXX XXXX XXXX XXXX XXXXXXXX address, which is not mine, and the XXXX XXXX Account, which has been inaccurately reported. 

Despite providing documentation, including an FTC Identity Theft Report and a signed affidavit, Experian continues to report this fraudulent address and the XXXX XXXX Account # XXXX. I previously disputed this account, and while Experian initially removed it, they have since reinserted the account without notifying me of the reinsertion in compliance with the FCRA. 

Violations of the FCRA : FCRA Section 605B ( 15 U.S.C. 1681c-2 ) : Experian is required to block fraudulent information once notified of my identity theft status. Despite submitting all necessary documentation, the fraudulent account and address remain on my report.

FCRA Section 611 ( a ) ( 5 ) ( B ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) : Experian violated this section by reinserting the XXXX XXXX Account without notifying me within XXXX business days of its reinsertion. This action is illegal and requires immediate correction. 

FCRA Section 609 ( 15 U.S.C. 1681g ) : I have requested method of verification for the XXXX XXXX Account, and Experian has refused to provide it. Without this verification, they are obligated to remove the account under the FCRA.
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: Experian Information Solutions 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 Experian 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 XXXX XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by 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 : Payment made within the 15-day grace period : My payment was made on time, which falls within the 15-day grace period provided by XXXX As such, the account should not have been reported as 30 days late. 
Clerical error by XXXX : Despite making the payment on time, it was incorrectly recorded as late due to a clerical error on the creditors side. This error led to an inaccurate 30-day late report to the credit bureaus. 
Evidence Provided : I have attached bank statements and payment confirmations showing that the payment was made on time, clearly indicating that no delinquency occurred. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian 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
Consumer complaint received 2023-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

This is a followup to the response sent by USAA regarding a complaint filed on XX/XX/XXXX. USAA closed an account for the detection of business transactions on a personal account, and while it is not humanly possible to disprove a negative please follow the following logic : This is a personal account that has received XXXX XXXX  and XXXX  payments and subsequently a XXXX XXXX XXXX payment from the same party. The final dissolution of marriage agreement from XXXX of 2019 specifically designates equestrian expenses for two XXXX  children as an upward deviation in the amount of {$5000.00} per month. This is a clear and specific court recorded use of personal funds from a personal account. The life insurance policy was a payment covering the alimony and the child support. It would follow that these are personal expenses for the minor children, pertaining to properties, activities, and expenses of a personal nature. USAA additionally insured the personally owned truck and XXXX horse trailers. 

While we do maintain a business account with the appropriate XXXXIN number for training and sales of XXXX all expenses relate to the personal farm, vehicles, and horses related to and belonging to the XXXX minor children and former spouse designated in the dissolution of marriage, and the alimony protected by life insurance. 

USAA gave no opportunity to address these issues, and never communicated at any point in their investigation what transactions they were claiming to be business expenses, hence the new complaint. Prior to the CFPB sending notice that USAA had responded to the complaint, there was no opportunity to answer any of the allegations. I would be happy to provide a copy of the dissolution of marriage and the line item regarding personal expenses for two XXXX, and proof of personal ownership of said horses, assets, and farms. 

As stated in the original complaint, he closed account was also the account that received the children 's Social Security Survivors Benefits, and the account that pays the mortgage and insurance on the farm that is currently in probate, personal processes that caused extreme duress and trauma to put into place, compounded by having to navigate those processes again. Most of the accounts have been moved to another bank, on principle USAA should reimburse the fees involved, and rectify problems with credit reporting issues that will no doubt arise from this closure.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Do you know or have any idea how distressing it is when youre working your way off honestly, then you look at your credit report erroneous information everywhere that has negatively impacted both my credit score and my life, it is my literal lifeline during emergencies, and every paycheck is an emergency.