davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-14
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-14
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)

I have already disputed XXXX XXXX account on my credit report in which they refuse to remove this fraudulent account. I have proven to them with a police report that my ex-wife fraudulently opened several accounts in my name with the intent of destroying my credit. I am requesting that this account be removed asap.
Consumer complaint received 2024-09-14
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. (FL)

This morning, I noticed unauthorized inquiries appearing on my credit report for no apparent reason. I check my report regularly, and it has always been accurate until now. After refreshing the browser, hoping the issue was temporary, the errors still appeared, which left me feeling both confused and upset. XXXX asking for a thorough review of the documents I submitted so that I can stop worrying about this problem.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

On XX/XX/XXXX, I mailed a dispute letter to Experian via XXXX certified mail tracking # XXXX XXXX XXXX XXXX XXXX XXXX, requesting an investigation into inaccurate items on my credit report, as well as incorrect personal information. I took careful steps to include a copy of my photo ID, social security card, and a recent bill with my current address to assist Experian in verifying my identity and address. 
However, I received a response from Experian dated XX/XX/XXXX, stating the following : We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. 
According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. It appears that Experian has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The debt collector in question has been involved in prohibited practices outlined by the FDCPA, which include abusive, deceptive, and unfair actions. They provided information about an account that I never agreed upon or signed any agreement for. A legal contract requires the participation of both parties, but I was not involved whatsoever. Furthermore, they failed to adhere to the proper five-step validation procedure, which constitutes unfair practices. As stated by the FDCPA, I am entitled to compensation of {$1000.00} per violation, and it is evident that my rights have been violated by their actions.
Consumer complaint received 2024-09-14
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)

My requests to correct and remove false and inaccurate information on my credit report keeps getting denied and/or disregarded. As a consumer, I know I have rights and that very right is being violated with what these companies are reporting on my credit that are not the maximum possible accuracy. It's hurting my credit score and impacting my life negatively.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. ()

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 2024-10-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom this may concern I have recently pulled my credit report and noticed that there is a collection listing from your agency.

I have never been notified of this collection action or that I owed the debt.

This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together.

Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt.

Agreement that bears signature of the alleged debtor with promises to pay the original creditor.

Complete payment history on this account, to prove that the amount you wish to collect is correct. 
XXXX I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company. 
XXXX Sincerely XXXX XXXX
Consumer complaint received 2024-10-29
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)

These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S.Code 1681-B : permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. I never gave any consumer reporting agency my WRITTEN CONSENT & INSTRUCTIONS to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! As a consumer, I am demanding the deletion of the account listed IMMEDIATELY : XXXX XXXX XXXX I demand the deletion of these unauthorized inquiries IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand the deletion of the following incorrect information : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

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

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

I demand the late payment reported to be removed/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.

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!
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I'm requesting that Transunion delete all personal information such as inaccurate addresses and Names except for what I have provided. My credit report should only have one Name and delete address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My address is listed below and I have attached a utility bill confirming this is accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Delete : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, mi XXXX
Consumer complaint received 2024-09-14
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXXXXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXXXXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-14
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 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 Within Grace Period : The payment reported as late for XX/XX/XXXX was actually made within the 15-day grace period allowed by my creditor and should not have been recorded as a late payment. 
Misapplication of Funds : There was an error in how my payment was processed, resulting in an incorrect report of a late payment. The payment was sent and processed on time but was not correctly applied to my account by XXXX. 
I provided substantial evidence in my dispute, including bank statements and payment confirmations showing that the payment was made on time and within the contractual grace period. 
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
Consumer complaint received 2024-09-14
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)

This morning, I was stunned to see wrong accounts on my credit report, and XXXX at a loss as to why theyre even there. Ive checked my report, as I do regularly, but suddenly, errors appeared for no reason. I tried refreshing my browser, thinking it might be a glitch, but nothing changed. Those wrong accounts remained. XXXX requesting that the documents Ive provided be reviewed thoroughly so I never have to worry about this again.
Consumer complaint received 2020-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AP)

On or around XX/XX/2020 when I attempted to use my online Banking with USAA Bank, a questionnaire " popped up '' stating information was missing or needed updating. I have been a customer with the bank for over 15 years. The questions included asking what my net worth was and what my annual income was. It was stated that the questions were required as compliance with the " Patriot Act. '' I stopped and did not finish the questionnaire as I felt it was getting too personal and an attempt at gathering marketing information. I called the bank and asked about the questionnaire and they told me again it was required due to the patriot act. I told the bank I had been a customer for over 15 years and I have nothing changed in the last few years and all this information had previously been provided. I asked why now I was being asked and the representative on the phone said I must have done something to trigger the questionnaire. I said I have done nothing. 

I followed up with emails on XX/XX/2020 ; XX/XX/2020 ; and XX/XX/2020 ; and asked each time what triggered the action. The contact site said they would respond back within 24 hours. I have not been responded to even once. I read the patriot act and it does not require my net worth or my annual income to be revealed to the bank. I feel I should be allowed to know what has triggered this action at the very least. Because I will not answer their personally intrusive questionnaire, I am unable to access the history and actions in my account to verify no charges are made on my account that I did not make. I am now being threatened with the closure of my account. 

Please let me know what exactly the Patriot Act requires a bank to gather.
Consumer complaint received 2024-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (WA)

I set up a recurring transaction to transfer {$1000.00} from my chase checking account to my chase brokerage account on the first of the month many years ago. 

I decided to cancel this recurring transaction and found that it was not possible through Chase 's website. 
When I sent a secure message to chase they initially claimed the transaction was made manually, which was not true. Eventually they admitted it was a recurring transaction and were able to cancel it after a lot of back and forth, including phone calls and secure messages. 

Suddenly, on XXXX the transaction started up again, and there's still no way to cancel it through chase 's website. 

Since I have dealt with many phone calls and secure messages back and forth with chase, and the problem already appeared to be fixed, I am very disappointed that the issue came back. A cancelled recurring transaction should not restart!
Consumer complaint received 2024-09-14
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 Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXXXXXX 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 : Incorrect Reporting Date : The payment reported as late for XX/XX/XXXX and XX/XX/XXXX was made within the grace period and should not have been reported as 60 days late. 
Clerical Error : There appears to have been a clerical error where the payment was misapplied or not recorded accurately by XXXXXXXX XXXX 
I provided substantial evidence in my dispute, including bank statements and payment confirmations showing that the payments were made on time and within the contractual grace period. 
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
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX
Consumer complaint received 2024-09-14
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 XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and 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 reported in XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX  days before the payment due date. 

XXXX XXXX BANK AND XXXX BANK never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX  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