davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

I am submitting this follow up complaint because I still believe there are some errors on my credit file. I would like Credit bureaus to verify the information below and verify that its not untimely, inaccurate, unverifiable or incomplete. Immediate action is imperative to rectify this matter. I expect a thorough investigation into why these inaccuracies persist on my credit report despite multiple requests for deletion. Additionally, I demand transparency regarding the steps being taken to address these issues and a clear timeline for their resolution. Federal law compels the 3 credit bureaus to respond within the proper time frame, yet they have yet to respond to my letters. They should remove the following late closed and charge off accounts completely from my credit file : XX/XX/XXXXBalance : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 
XXXX XXXX Balance : {$810.00} - This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy. 
XXXX XXXX XXXX Balance : {$0.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Consumer complaint received 2023-03-10
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. (NC)

I see that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that need to be reinvestigated and correct : 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
Consumer complaint received 2024-06-20
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. (CA)

I am writing to dispute the inaccurate reporting of fraudulent accounts on my credit report, which constitutes a clear violation of the law. Upon contacting the respective banks, it was confirmed that an error occurred. Furthermore, assurances by the banks were provided over the phone that the accounts would be promptly removed. I have previously sent a request for debt validation for several items listed on my credit file. However, I have recently received a response proclaiming the debt has been verified. I request a reinvestigation per FCRA 611 and that proper method of verification also be included with your response. Moreover, XXXX and XXXX no longer reports these accounts on their bureaus after the submission of the required FTC report. I am curious on what kind of method of verification and investigation you did to continue reporting these accounts on my report by your bureau. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-09-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (TN)

XXXX XXXX did not send any proper paperwork stating I owed a Debt, Equifax did not call me to investigate if the debt was mine or any payment plan If owed would I be willing to make. It has been over XXXX  days and still no response from equifax with my letter XXXX penalty of perjury, I swear this account is false and misleading Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false accounts. 
Under 15 U.S. Code 1692XXXX and abuse have been harassed and have trauma this account in violation. 
Under 15 U.S. Code 1692j - XXXX certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap Under 15 U.S.C. 1681i ( XXXX ) Method of verification this account is in violation it was reported without valid evidence.
Consumer complaint received 2024-06-20
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)

I reviewed my consumer reports and noticed that I had XXXX late payment on an account that I was never late for.The consumer reporting agencies assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy.I have never been late on payments for the account that I have included screenshot inside this complaint in on the date of XX/XX/year>. 
Please investigate and provide proof with statements showing that this payment was late.If proof cant be provided I demand this payment be updated to paid as agreed on time as that should be due to the fact I was never late .Thank you.Please see screenshots attached.
Consumer complaint received 2024-06-20
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. (FL)

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXXXXXX 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
Consumer complaint received 2022-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

In accordance with the fair credit Reporting act XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX, has violated my rights. 


15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I've noticed unfamiliar items on my credit report that I didn't authorize. It appears my identity may have been compromised, as I did not approve these accounts. I've raised this issue previously and now urgently request that these accounts be promptly removed from my report. Their presence is causing significant stress as they do not accurately reflect my credit history or financial management. Dealing with this situation has been challenging. 

If we can not resolve this matter swiftly, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous entries are severely impacting my financial goals, such as purchasing a home and supporting my family. I sincerely hope for a prompt resolution to this issue.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2021-10-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On the 21 day of XXXX XXXX, I went to XXXX XXXX XXXX for a consumer credit transaction. During the consumer credit transaction I produced my credit card which was my social security card and my driver 's license for the consumer credit transaction. Pursuant 15 USC 1602 ( l ) Thetermcreditcardmeansanycard, plate, couponbookorothercreditdevice existing for the purpose of obtaining money, p roperty, labor, or services on credit. I filled out an application for an extension of credit, during the credit sale a contract has been offered without adequate disclosures. The contract that was signed with Capital One to purchase a XXXX XXXX XXXX, at the price of $ XXXX wish to cancel that contract.I was not made aware that XXXX XXXX XXXX took my credit to capital one and capital one took my credit to get a loan. I did not authorize that transaction, nor did i have any knowledge of what XXXX, XXXX, Pursuant15USC1602 ( f ) Theterm credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment a nd XXXX XXXX XXXX used my credit to get a loan in my name which in according to 18 U.S. Code 1028 is Fraud. Fraud vitiates the most solemn contracts, documents, and even judgments. U.S VS. Throckmorton On 7/21/21 I hereby exercised my right to rescind the agreement under the provisions of 15 U.S. Code 1635 - a certified letter was sent to the company and the receipt of return was sent back on XX/XX/XXXX .Right of rescission as to certain transactions, and ask that you return my downpayment of {$4500.00} and the amount that has been paid to date on the fraudulent loan within 20 days after receipt of the notice of rescission, as required by law.By law capital one auto financed has violated my rights as a consumer by not responding to my demand which was received by the company on XX/XX/XXXX.
Consumer complaint received 2024-06-20
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 account with XXXX XXXX - XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 me 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. 


XXXX XXXX XXXX XXXXXXXX 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 XXXX 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 2024-02-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (TX)

I called Ed Financial in XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX inquiring about the refund I am due in the amount of {$18000.00}. Have been told something different every time I call. One representative told me I would get a check in XXXX, another told me it had been sent to DOE and then Treasury. XXXX representative told me money still sitting in account at EdFinancial and they don't know when it will be processed. They have had my money for almost 7 months now.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IN)

Bureaus using computer credit system that unfairly lowers credit scores for credit card usage for XXXX consumers and/or showing extreme prejudice. On XX/XX/year>, I made XXXX purchases for {$290.00} and {$94.00} and paid off {$150.00} in credit card debt. My score was unjustifiably was lowered by XXXX points by XXXX Credit Bureau any XXXX points by XXXX according to Credit Karma. On random months, I make the same {$150.00} payment and my score is raised by XXXX points. This month AGAIN I DECREASED my debt THE SAME AMOUNT ( {$150.00} ) then added the {$580.00} BUT my score dropped an unjustifiable XXXX XXXX. HOW IS THAT POSSIBLE?! The live agents continue to say scores are calculated by AI. This is further proof there is a program set up to keep CERTAIN Consumers from having lower interest rates and from being offered certain advantages that will help them save money on every day purchases and living expenses! 

I've had perfect credit for a long time. I have a 100 % payment history. My scores in both credit bureaus have been OVER XXXX. The one time I use my credit card for an estimated {$430.00} purchase, my score drops by XXXX points!!! Something is DEFINITELY WRONG with this picture!!!! 

Also, I have XXXX accounts listed XXXX and XXXX times that has contributed to my debt ratio increasing moore than {$3000.00}. This is XXXX!!!!
Consumer complaint received 2024-06-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LD Holdings Group, LLC (TX)

Sent in tax exemptions for deferred taxes, over XXXX deferrment, deferment, still paid taxes out of escrow, still charging me for them, I have tried to get this resolved for 4 wks now
Consumer complaint received 2024-06-13
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. (GA)

THE FEW ACCOUNTS I HAVE WITH THIS COMPANY ARE OVER XXXX OLD. THE COMPANY UPDATED INFORMATION WHICH IS INCORRECT AND IS SHOWING NEGATIVE MONTHLY ON MY CREDIT REPORT. THE ACCOUNTS ARE OLD AND NEED TO BE REMIOVED.
Consumer complaint received 2024-02-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (IL)

Dear Sir/Madam, I have unsubsidized federal student loan and EdFinancial is the loan Service. On XX/XX/2024 I made a payment of {$4900.00} on with Payment Confirmation # : XXXX. However, I am not seeing it in my account on Ed Financial account. The amount has been withdrawn from my bank account. I already contacted EdFinancial using email, chat and phone., however they are unable to provide answer and when the payment will be credited. 

I believe there has been some issue with their system and they are not being honest. Can you please help me to have them credit amount {$4900.00} to my student loan account? 
Regards XXXX XXXX Company Info : Edfinancial Services XXXX XXXX XXXX XXXX, TN XXXX Phone : XXXX XXXXedfinancialXXXX edfinancial.XXXX
Consumer complaint received 2024-06-20
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. (CA)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-20
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 account with XXXX 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 me 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX - XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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 2024-09-18
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Estate Information Services, LLC (NV)

XXXX XXXX  XXXX Estate Information Services , LLC XXXX XXXX XXXX XXXX, OH XXXX Reference # : XXXX Phone : XXXX Fax : XXXX XX/XX/2024 Written letter sent to my place of employment that included all of my personal information and debt/financial information. I have been in contact with this agency specifying under no circumstances am I to be contacted at my placed of work, and my information shared that is personal-private and it is inappropriate and violating-demoralizing. They have been contacted to only send mail to my personal certified address.
Consumer complaint received 2024-09-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: S.B.S. Trust Deed Network (CA)

On XX/XX/2024, the company received {>= $1,000,000} on my behalf and was supposed to forward it to me. They converted it to their personal use. They do not deny this. They have slowly been making partial payments.
Consumer complaint received 2024-09-18
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ROC Asset Solutions, LLC (NJ)

Received a phone call from XXXX claiming to be XXXX from ROC with a message to contact them in regards to a potential process serve. Left a number to call back of XXXX. I researched this number and found it to be related to a fake collection agency scam.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no XXXX  party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.