davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

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 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 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 2024-06-19
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 filing my report to challenge and scrutinize these accounts that are incorrectly listed on my credit file. Under the Fair Credit Report Act, I am entitled to {$1000.00} per inaccurate report. I understand that FCRA 605B obliges us to report any erroneous accounts on a consumer 's report.
Consumer complaint received 2024-06-19
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)

I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-06-19
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 have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like Experian and XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes.

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision.

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated.

My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below This account should not reflect as negative : XXXX. XXXX XXXX ACCOUNT # XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP.
Consumer complaint received 2024-06-19
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 am writing to formally request the correction of an inaccurately reported late open account on my credit report. This is my attempt to address this issue, and I am becoming increasingly concerned about the lack of response and resolution. It is imperative that this error be corrected immediately to reflect my accurate credit history. Despite my previous three attempts to resolve this matter, this account continues to be inaccurately reported. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute and correct inaccurate information on my credit report. This error is affecting my credit score and overall creditworthiness, which is unjust and unwarranted. Kindly assist me to conduct a thorough investigation of this account and correct the information immediately. I request that you provide me with written confirmation of the correction within 30 days of receiving this letter. Kindly help me correct this account for no more late payment : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$7200.00}.
Consumer complaint received 2022-12-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX has reported 3 late payments on my report. I have never been late with my bills until Covid. The CARES Act, which was signed into law on XX/XX/2020, XXXX amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances. ( See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). )
Consumer complaint received 2024-06-19
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 bankruptcy listed on my credit report is incorrect. The case you have reported as accurate is actually invalid. I have never had a case heard or adjudicated. There was never a judgment, which means no case was ever presented before a judge. Therefore, this entry should not be on my report. If this information continues to be reported without proper verification, I will seek legal action. My attorney is prepared to file a federal case within XXXX  days of this letter if the issue is not resolved. 

Please remove this account from my file immediately. 

Bankruptcy XXXX XXXX Reference # : XXXX.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-06-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MS)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-06-18
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Google Compare Credit Cards Inc. (TX)

In XX/XX/year>, our nonprofit organization, which had been approved for the XXXX XXXX XXXX program providing {$10000.00} per month in ad credits, received a debt collection notice from a collection agency affiliated with XXXX. This notice claimed an outstanding balance of {$44.00} on a XXXX Ads account that we had not activated or used, as we were still awaiting instructions from XXXX on how to utilize the grant effectively. 

Upon receiving the notice, we attempted to resolve the issue by contacting XXXX multiple times throughout XX/XX/year>. Despite these efforts, we received no responses or assistance in clarifying the reason behind the alleged charges or the process of activating our grant. This lack of communication and support from XXXX has left us unable to address or understand the claimed debt, which we believe to be erroneous given our non-use of the service and our eligibility for the XXXX XXXX. 

The collection notice incorrectly listed an address that is not associated with our current operations, adding further confusion and concern over the legitimacy of the debt claim. We suspect this may be an administrative error on XXXX part, yet without direct communication, we can not confirm this or rectify the situation. 

We seek a thorough investigation into this matter to understand the basis of the debt collection and to ensure fair and transparent billing practices are upheld, particularly in relation to nonprofit organizations participating in XXXX 's XXXX XXXX program.
Consumer complaint received 2024-05-30
Product: Debt collection — I do not know
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Experian Information Solutions Inc. (CA)

I am victim of identity theft. This occurred the first time in XXXX XXXX, CA, The second time was in XXXX in XXXX, CA. The most recent identity theft was in XXXX by an employee that worked for our company and we filed a police report for this recent theft in XXXX.
Consumer complaint received 2024-06-19
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I HAVE CHECKED MY REPORT AND THE INFORMATION LISTED IS WRONG AND I WOULD LIKE ALL WRONG INFORMATION DELETED ASAP company is in violation of 15 usc 1666b per this violation please remove all WRONG INFORMATION LISTED.
Consumer complaint received 2024-06-19
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. (MO)

n 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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-06-19
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)

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.

has violated my rights. Or a list of inquiries : 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 2024-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I submitted a fraud claim and all the supporting documents ( Police reports and case # 's, XXXX XXXXXXXX Restraining Order, Video Evidence, XXXX Detective contact info. I made multiple attempts in contacting Bank of America 's Fraud Department both via email and telephone and all of my attempts went unanswered. I have all of the proof of communication attempts. Due to this I'm currently missing thousands of dollars and this is causing extreme hardship.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Service Company (TX)

I applied for credit and was denied right on the spot. I decided to pull my credit reports, and I have found that a collection agency by the name of Credit Service is reporting false information and reporting a fraudulent and false balance each month to the credit bureaus. Credit service is reporting a NEW BALANCE each month since the year XXXX, maybe even earlier. Credit Service collection agency has been increasing the balance amount in XXXX XXXX  {$5.00} increments each month like this is some type of credit card account or loan account when it is neither and when it does NOT belong to me. I want this account deleted from all XXXX credit bureaus : XXXX, XXXX, AND XXXX This account is listed as non-medical on my credit reports. I looked up the name and number of this business called XXXX XXXX is an actual medical clinic/facility. Isn't there a law against collection agencies publishing medical information HIPPA law correct. How can they just take a medical facility name and pretend like its another type of business or account? 
Please delete this account. It is hurting my credit each month. This false reporting has brought my credit score down to a very low score. I found in my credit reports that this collection agency, which I do not receive any type of paperwork from or monthly statements from, is reporting false balances each month. This is false, a non-truth, a flat out lie. They have it listed like I talk to them or have some type of communication with their company, and I have never spoken with anyone or received anything for them to list this fraudulent information. AGAIN, THE CREDIT SERVICE COMPANY IS REPORTING FALSE BALANCES EACH MONTH IN AN ATTEMPT TO COLLECT MONIES FROM ME AND THIS IS A FORM OF FRAUD. THIS IS FRADULENT BEHAVIOR. Please DELETE FROM THE CREDIT BUREAUS that is reporting the information : XXXX, XXXX, AND XXXX Here is what this collection agency is reporting. False and made up balances each month that I do not owe and are not mine. 
Date Balance Scheduled Payment Paid XX/XX/XXXX {$810.00} {$0.00} {$0.00} XX/XX/XXXX {$800.00} {$0.00} {$0.00} XX/XX/XXXX {$800.00} {$0.00} {$0.00} XX/XX/XXXX {$800.00} {$0.00} {$0.00} XXXX XXXX {$790.00} {$0.00} {$0.00} XX/XX/XXXX {$790.00} {$0.00} {$0.00} XX/XX/XXXX {$780.00} {$0.00} {$0.00} XX/XX/XXXX {$780.00} {$0.00} {$0.00} XX/XX/XXXX {$780.00} {$0.00} {$0.00} XX/XX/XXXX {$770.00} {$0.00} {$0.00} XX/XX/XXXX {$770.00} {$0.00} {$0.00} XX/XX/XXXX {$770.00} {$0.00} {$0.00} XX/XX/XXXX {$760.00} {$0.00} {$0.00} XX/XX/XXXX {$760.00} {$0.00} {$0.00} XX/XX/XXXX {$760.00} {$0.00} {$0.00}
Consumer complaint received 2024-09-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Lendgo, Inc. (GA)

Date : XXXX Company : Lendgo website : www.lendgo.com This company fraudulently collected all my information based on false advertising of XXXX XXXX fixed interest rate for mortgage refinance in XXXX. Within mins of completing the information on their website, I got bombarded with emails and calls from mortgage brokers. I spoke to XXXX ( XXXX - XXXX ) and their best rate was XXXX XXXX that too for XXXX XXXX XXXX XXXX is supposed to be lower that Fixed rate and No way close to 3.3 % This company should be fined and shutdown immediately for fraudulently collecting consumer information and selling it others without any meaning benefit to the consumer. 

Thanks, XXXX
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Federated Student Loan Services (GA)

Subject : Complaint Regarding Student Loan Reporting Issues Dear CFPB, I am writing to file a formal complaint concerning issues with the reporting and management of my student loans. My concerns include inaccurate reporting of payment history, improper handling of account statuses, and other discrepancies that have negatively impacted my credit report and financial stability.

Issues to Address : Inaccurate Payment History : My student loan payment history contains errors that need to be corrected.

Improper Account Status : There are inaccuracies in the status of my student loan accounts that require rectification.
Consumer complaint received 2024-08-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (FL)

Incompetent bank Citibank XXXX wont let me register my phone number to another bank cause XXXX said its registered to your bank. 
I closed account number XXXX From Citibank already. 
I just called customer service and the XXXX that is another incompetent hung up on me. 
Is your bank a joke or a serious bank? 
Remove my number from your bank so I can register it with another bank for XXXX If not compliance several complaints will be filed
Consumer complaint received 2024-09-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (CT)

My XXXX XXXX XXXX XXXX with XXXX was XXXX scamed. She went to XXXX to purchase XXXX gift cards in the amount of {$300.00} each on XXXX XXXX @ XXXX because she was told her power was going to be turned off if she didn't but that she would get the {$900.00} back after they converted her over to XXXX XXXX ( which is a beverage drink ). She used her XXXX 's XXXX credit card. I called Barclay 's bank within the hour of that occurring and explained the scam to them and my XXXX 's condition. They refused to cancel the transactions because she physically went down to XXXX and made the purchase. I think it is a disgrace that they refused to cancel the transaction and therefore they allowed this scam to play out and my XXXX is now out - {$900.00} and the scammers are ahead + {$900.00}. XXXX that? She used an XXXX credit card of all things to purchase those gift cards!! XXXX is all about the seniors and their rights and protection, seniors are their bread and butter. There was NO protection for my XXXX that day. I'm sure plenty of other seniors are using their XXXX credit cards from XXXX 's to buy these gift cards when they are scammed. Why isn't XXXX doing more to protect the seniors? Why didn't they cancel that transaction to stop that scam? Are they mandated to report elderly financial abuse?
Consumer complaint received 2024-09-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (MO)

I am trying to refinance my current mortgage that I have with Newrez ( Shellpoint Mortgage ) with a different lender. One of the requirements for the new lender is that I need a 24 month payment history showing that all payments were paid within 30 days of the due date. I requested this 24 month history from Newrez ( Shellpoint ) and when I received the documents I was appalled to see that they applied multiple payments a month later than received, making it appear that I paid multiple payments over a month later from or about XX/XX/year> backwards. They have NOT been able to intelligently explain why they show several payments being applied over a month late. I provided each and every document the requested to show my timely payments to include my bank statements, stamped checks, etc. They still have not got it right when I've provided all of my payment evidence. They have been working on this for over 60-days now which is completely absurd because they are negatively impacting me as a consumer and I have had to withdraw my application with the new mortgage company because they can't proceed until I get an accurate 24-monthy payment history. Then they sent me a Loan History Statement that wasn't in chronological order and riddled with errors. I need help!