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 status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

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! 


Update the late payments from my consumer reports
Consumer complaint received 2024-10-28
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. (IL)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
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. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection/charge off XXXX XXXX XX/XX/XXXX {$2500.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX {$4400.00} XXXX XXXXXXXX XXXX XX/XX/XXXX {$1200.00XXXX XXXX XXXX XXXX XX/XX/XXXX {$2200.00} late payment XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX personal information Current Address ( es ) : XXXX XXXX XXXX XXXX, AL XXXX Previous Address ( XXXX ) : XXXX XXXX XXXX XXXX, AL XXXX Previous Address ( XXXX ) : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, AL XXXX XX/XX/XXXX Employers : XXXXXXXX XXXX XXXX Employers : XXXX XXXX
Consumer complaint received 2024-10-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NY)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-10-28
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. (IL)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2024-10-28
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)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-10-28
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 understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

To Whom It May Concern, This is my tenth request to remove the following addresses from my credit report, as permitted under the Fair Credit Reporting Act ( FCRA ), the Federal Trade Commission ( FTC ) regulations, and federal law, which protect the accuracy, fairness, and privacy of personal information in consumer reports. 

Please delete these addresses promptly : 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 According to Section 611 of the FCRA, I am entitled to request the correction or deletion of inaccurate, incomplete, or unverifiable information in my credit file. I have already provided the necessary documents, including copies of my ID and credit-related bills, more than ten times. The inclusion of outdated or erroneous addresses on my report negatively impacts my privacy and violates my rights under FCRA, Section 605 ( a ), which limits the reporting of adverse information. 

Please confirm the deletion of these addresses at the earliest possible time. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (AL)

I have a credit card with this company for XXXX limit. I have tried to pay on or off this card for several months. 
I requested for a payments via the online service only for it to give me a confirmation page and confirmation email then a reversal of payment days later. 
I have spoken to the company representatives three times and they insist that I have have insufficient funds however I spoke to my bank and they report not receiving a XXXX request from this company. 

I have checked my banking statements for the days I requested payments to be credited to my account however I don't see this company request in the statements nor do I see a bank charge for insufficient funds. 

I have requested payments to be made on the following dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of these payments were not process through my bank even though this company representative stated I have insufficient funds. 
Each transaction the company charged a late fee, interest as well as negatively impacted my credit report. 

I have spoken to my bank and they state they have no transaction at all and I gave them the dates listed above. 

The first time I spoke to a representative they told me insufficient funds I spoke to my bank and the I went to the online website and entered the payment information a second time. 

The second time I spoke to a representative I attempted to explain the situation and put me own hold and then hung up. 

The third time which is today XX/XX/23 I spoke to a representative the once again told me I had insufficient funds but after I continued to explain he told me first to re-enter my payment information which I had already done by this time and then he told me a supervisor would call me and then hung up. 

I will provide any and all information as needed for this complaint upon request.
Consumer complaint received 2024-09-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (VA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-28
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. (OH)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-10-29
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (NV)

On XXXX, I tried disputing this with the debt collector. The amount involved was {$2500.00} * Date : XX/XX/XXXX - XX/XX/XXXX XXXX Amount : {$2500.00} Actions Taken by Me : On XX/XX/XXXX, I contacted the companys customer service via online chat to report the issue. I provided all the necessary details. But they were not able to give me any details. 
Follow-Up Communication : After not receiving a satisfactory response, I followed up online on XX/XX/XXXX and followed up again XX/XX/XXXX. I reiterated the issue and requested a resolution. 
Actions Taken by the Company : No response from the company Current Status : No response from the company
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. (NC)

I AM A VICTIM OF XXXX XXXX, AFTER FINALLY GAINING BACK ACCESS TO MY PERSONAL INFORMATION I NOTICED A SLEW OF ACCOUNTS THAT I NEVER CONSENTED TO BEING OPENED NOR HAVE I UTILIZED. I WAS ABLE GET SOME ASSISTANCE WITH VIEWING ALL MY CONSUMER REPORTS AND CONTACTING THE CREDIT REPORTING AGENCIES. 

CONTINUING TO FURNISH THESE FRAUDULENT ACCOUNTS TO MY CREDIT REPORT IS IN VIOLATION OF BOTH 15 USC 1681 C-2 AND 15 USC 1681 C-3.

EACH REPORTING AGENCY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY AND DUE TO THE UNFORTUNATE EVENTS, THESE ACCOUNTS WERE SUBJECT TO REMOVAL WITHIN 4 BUSINESS DAYS. 

AS I HAVE GOTTEN BACK ON MY FEET, THESE ACCOUNTS ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN NEW LINES OF CREDIT FOR MYSELF. MY CONSUMER LAWS ARE BEING VIOLATION WITH THESE FRAUDULENT ACCOUNTS BEING REPORTED. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (AL)

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint regarding an issue I encountered with Equifax in relation to the status of an important document sent by the XXXX XXXX  on XX/XX/year>. 

On XX/XX/year>, I spoke with a representative named XXXX at Equifax, seeking to verify the receipt of a letter that was supposed to update my credit information. This letter was sent by XXXX XXXX, but Equifax has failed to acknowledge its receipt or take appropriate action to update my credit report accordingly. 

During the conversation, I requested that XXXX escalate the matter or create a case to investigate why the letter had not been received or processed, and asked for confirmation of the status of the update. However, XXXX refused to escalate the issue, create a case, or provide me with a satisfactory response. The refusal to investigate this matter is deeply concerning, as it is crucial for my financial well-being that my credit report be updated with accurate and timely information. 

As a consumer, I am protected under the Fair Credit Reporting Act ( FCRA ), which obligates credit reporting agencies, such as Equifax, to ensure the accuracy and integrity of the information they maintain. The FCRA also grants me the right to dispute incomplete or inaccurate information and requires the credit bureau to investigate disputes in a timely manner ( typically within 30 days ). I believe that Equifax is in violation of these requirements by refusing to address my concerns and investigate the missing information. 

I kindly request the CFPB to intervene and ensure that Equifax complies with its legal obligations under the FCRA, specifically regarding : An investigation into the whereabouts of the letter sent by the XXXX XXXX on XX/XX/year> and why it was not processed by Equifax. 
Prompt escalation of my case to ensure my credit report reflects accurate and updated information. 
XXXX that Equifax will adhere to the FCRA and promptly resolve this matter. 
This situation has caused me undue stress, and I am eager to see it resolved as soon as possible. 

Thank you for your assistance in this matter. I look forward to hearing from you regarding the next steps. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-10-28
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)

Hi. I am having issues with the credit bureaus lack of investigation into my dispute. I contacted them because there are numerous incorrect accounts on my credit report and I need them corrected or removed from my reports. They have not investigated and I have not received any results from them. I initially reached out to them in XXXX and it is almost XXXX and I have not received anything from them and my credit reports remain unchanged. I was told by my lawyer friend that I should submit this complaint because their action, or lack there of is violation of credit reporting laws and if they continue I can sue them and receive compensation for their violations. I don't want to have to do that, but I feel it is necessary that I file this complaint for starters to attempt to hold them accountable. I have to move soon and their unfair reporting is keeping me from being able to move.
Consumer complaint received 2024-10-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Account Resolution Corporation (KS)

I am showing a debt amount owed to Account Resolution Corporation for an XXXX utility bill. I currently have open accounts with XXXX with a {$0.00} balance that was paid in full to XXXX confirmation number XXXX. XXXX confirmed this was paid in full directly to them and I have disputed directly with Account Resolution Corporation who refused to remove from my credit report.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-10-28
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Clarity Debt Resolution, Inc (PA)

I entered into a debt settlement program with Clarity Debt Resolution on XX/XX/XXXX. I had withdrawals of XXXX on the XXXX of each month directly from my checking account. I was told that I needed to follow their instructions and they would negotiate settlements with all enrolled accounts and after XXXX 6 months I would be eligible for a loan to complete settlements on accounts. After 11 months of payments and numerous inquiries about what they were doing I became frustrated with the lack of results. Of 13 enrolled debts, only 1 had been settled, the settlement they claim they made was the same settlement offered to me directly with no fees, and the total balance of the enrolled debt is now higher than when I enrolled 11 months ago due to interests and late fees. In addition I have paid more in fees than the " settled '' reduction amount of the XXXX XXXX. I told them by phone on XX/XX/XXXX that i was withdrawing from their program and they were not authorized to make anymore withdrawals. This was confirmed by them by text and email. They asked if they could continue to try to resolve it and I said yes, but they were not authorized to make any withdrawals until they had specific details about how they would move forward. They sent me an application for a loan and then I heard nothing else from them. On XX/XX/XXXX they made an unauthorized withdrawal from my checking account in the amount of {$550.00} causing an overdraft and resulting in other overdrafts and charges on my checking account. When I called to ask what was going on XXXX XXXX confirmed that the withdrawal should not have happened and that I had told them not to withdraw any more payments. I then spoke with 3 other individuals, the last being XXXX XXXX who said yes, they should not have withdrawn the money, but that it would take 3-5 days for them to return it. I believe the withdrawal was done on purpose to collect more fees after i had cancelled the program to non performance. I expect a return of the unauthorized {$550.00}, plus {$120.00} in over draft fees, as well as a refund of {$3600.00} - all fees i have been charged with the only result being a higher debt balance than when i entered the program. I want charges against the company made for illegal unauthorized wire/bank transfer as well as fraud for the service they claim to provide.