davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (AL)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"
Consumer complaint received 2024-09-12
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-12
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 CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the Experian credit reporting agency, block and delete information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information XXXX XXXX XXXX opened XX/XX/XXXX Acct. XXXX Balance {$9300.00}, XXXX XXXX opened XX/XX/XXXX XXXX Balance {$7300.00}, XXXX XXXX XX/XX/XXXX Acct. XXXX XXXX {$2900.00} XXXX opened XX/XX/XXXX Acct. XXXX Balance {$4200.00} XXXX XXXXXX/XX/XXXX opened XX/XX/XXXX Acct. XXXX XXXX {$2100.00}, XXXX XXXX opened XX/XX/XXXX Acct. XXXX XXXX {$970.00}
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My account with 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 in 60 days 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. 

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 XXXX
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Accordance with the fair credit reporting act Transunion has violated my rights 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604 section 2 ; Also states a consumer reporting agency can not furnish an account without my written instructions. 15 US code 1681a Definition ; rules of construction- exclusions- except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions of experiences between the consumer and the person making the report. 15 USC 1681b- Permissible purposes of consumer reports- Hard inquires are not an open account that is on my credit report. Hard inquires are to be removed.
Consumer complaint received 2024-09-12
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. (NJ)

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 Account Number : XXXX Account Name : XXXX  XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

I am filing this personal complaint regarding late payments on my credit record. After examining my credit report, I noticed these late payment entries. I sent correspondence about this issue more than 30 days ago but have received no response or adequate validation. I am seeking your help to address this situation.
Consumer complaint received 2024-09-12
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)

My account with ( CREDITOR NAME ) 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 in those account 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.

( CREDITOR NAME ) 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 2023-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2019-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (AL)

Hi, I've disputed 3 accounts that shouldn't be on my credit report multiple times with XXXX  and the collection agencies listed below.

I've sent letters to both XXXX  and the collection agencies, expressing my concerns of the inaccurate negative events that has been listed on my credit report.

I'm trying to by a house for my family, i'm only XXXX  yrs old, and these inaccuracies are hindering me from building a foundation for my family. XXXX has removed these unjustified accounts due to the collection agencies not be able to verify the accounts, so how is it that XXXX  say they are accurate?

I specifically asked XXXX  and the collection agencies both, to provide me with any and all documents that were used to verify these inaccurate accounts they've listed on my credit report. The collection agencies hasn't responded, I haven't even received any kind of communications from the collection agencies, only a negative on my report, and neither has XXXX.

XXXX hasn't provided me with a response to when and how did they verify these accounts. I feel as if XXXX, isn't a neutral party to disputes for consumers, they seem to take the word of collection agencies without actually investigating disputes.

I would like for XXXX  to show proof of how they came to the conclusion that the negative events they've listed on my report is accurate, but if they can not, I am requesting the negative events listed below to be removed immediately! Because a name and a balance isn't proof that a individual owes a debt.

I think XXXX  makes bad faith decisions and are not properly investigating disputes. The certified letter that I sent XXXX  on XX/XX/XXXX that they received on XX/XX/XXXX clearly states, that I am requesting proof of the negative event and proof of how they verified the negative event as accurate, which I haven't received, even though the disputes are completed, yet remain on my report.

Please have XXXX  remove these 3 negative events, they are really hurting my life regardless of how hard I work.

Im trying my best to refrain from legal action against XXXX, but it seems inevitable, because I all honesty, inquiries and denial letters randomly starting showing while they were being hacked in XX/XX/XXXX, so this is more than likely their fault. Regardless, please have them to remove these negative events that they are wrongfully listing on my credit report. 


( NEGATIVE EVENTS - COLLECTIONS ) MIDLAND FUNDING Account number XXXX XXXX  XXXX XXXX Account number XXXX XXXX  XXXX XXXX Account number XXXX Please remove these negative events immediately! 

XXXX XXXX XXXX XXXX XXXX XXXX AL, XXXX XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (SC)

JPMCB CARD XXXX XXXX XXXX XXXX, DE XXXX Dates : XXXX XXXX XXXX XXXX There has been unauthorized and inaccurate INQUIRIES reporting on my credit file that I never requested and never applied for these accounts.
Consumer complaint received 2023-08-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Maury Cobb, Attorney at Law, LLC (CA)

My complaint is with XXXX  I received a modem fromt XXXX Once I returned the wifi modem to XXXX  who was over charging me, XXXX states that they didn't receive the wifi modem. 
I have a receipt from XXXX  showing that I mail it back to them. They starting over charging me I called and asking why nobody fixed my billing I pay last month it XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The full amount the month but take out my number from XXXX  because XXXX continues to charging me for the modem and started over charging me after trying to resolve this matter with them I stop paying them thay put my account in collections I have all my receipts and my bill was paid in full in {$1000.00}
Consumer complaint received 2024-09-12
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. (GA)

Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IA XXXX Dear CFPB, I am writing to formally report violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) concerning the accounts listed below. These violations infringe upon my federally protected rights to privacy and confidentiality, specifically under 15 U.S.C. 1681. 

**Account Name : ** The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

The following sections of the FCRA are particularly relevant to my case : 1. **15 U.S.C. 1681 Section 602 ( a ) ** : This section affirms my right to privacy regarding my consumer information.

2. **15 U.S.C. 1681 Section 604 ( a ) ( 2 ) ** : This section stipulates that a consumer reporting agency can not furnish my account information without my written consent.

3. **15 U.S.C. 1681c ( a ) ( 5 ) ** : According to this section, no consumer reporting agency may include any adverse information in a consumer report if it is older than seven years, except for criminal convictions.

4. **15 U.S.C. 1681s-2 ( a ) ( 1 ) ** : This section prohibits any person from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

I request that you investigate this matter promptly, as these violations have caused me significant distress. I appreciate your attention to this issue and look forward to your response. 

Thank you for your assistance.
Consumer complaint received 2024-09-12
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. (NY)

As a protected consumer under federal law, specifically the Fair Credit Reporting Act ( FCRA ), I am disputing several unauthorized inquiries on my credit report. These inquiries appear on my report without my knowledge or consent, raising concerns about potential identity theft or a violation of my rights under the FCRA. According to FCRA Permissible Purposes ( Section 604 ( a ) ( 3 ) ) it requires credit reporting agencies to have a " permissible purpose '' to provide your report. Unauthorized inquiries wouldn't fall under any permissible purpose. Remove these unauthorized inquiries immediately from my credit file. 
XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/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 XXXXXX/XX/XXXX
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under USC 1681 section 6.2 states that I have the right to privacy ( 15 USC 1681 ( section 604 a section 2, also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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.

Through my rights in accordance with 15 USC code 1681b I did not give written consent to any collection agency to report anything to credit bureau.
Consumer complaint received 2024-08-12
Product: Debt collection — Auto debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CCS Financial Services, Inc. (CO)

I called CCS this morning and asked for the specific date I last spoke to someone. 

On XX/XX/XXXX when I spoke to CCS a debt collector I was asked if I wanted text messages and specifically said " No I only wanted physical mail ''. I have received 2 texts since then. First text on XX/XX/year> at XXXX and the second text on XX/XX/year> at XXXX. 

I called today after speaking to an acquaintance that told me if I had said no to text messages that it was a clear violation, and I should be able to report it. But first call as companies would rather negotiate lower to avoid a complaint. Discussions with CCS did not go as I had planned, and I have decided that it was time to file a complaint as they did not seem to care if I did or not. 

My ultimate feeling about this is 2-fold. 1. XXXX caused a lot of financial issues with a claim that could have been avoided. Even though I do owe them for the amount they should have taken accountability to make good on the costs that they caused outside of the normal deductible.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-08-12
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. (TN)

I've been keeping a close eye on my credit report and noticed that some errors and misleading information about my accounts aren't even close to being 100 % accurate, as they should be. This has really hurt me and held me back for quite a while now. It's impacted my life in so many ways, and I need the CFPB to step in and make sure these mistakes are corrected or removed.
Consumer complaint received 2024-08-12
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

XXXX installed internet service claiming reliabilty. After 2 months ( aproximatly ) of constant interuptions, constant reboots I stopped service and changed to XXXX starting in XX/XX/year>. I notified XXXX of the change and paid the last bill XXXX XXXX. After a nearly 1 hour of putting up with constant " stay with us '' sales pitch the service representative claimed that my service was disconeccted and billing would stop. A e-mail of the return equipment ( modem ) was sent to me and I packaged the modem and sent it back to Spectrum XXXXXXXX XXXX XXXX I recieved a e-mail acknowledging the return. 
And still the bills came. ( On the XXXX XXXX of XXXX the XXXX contractor physically cut the cable from the pole and dropped the remains in my yard ) I kept marking the bills as paid and closed. In XXXX I started recieving rude phone calls concerning unpaid bills .Since I no longer had the service I wasn't going to pay.I had a " no contract " service so when /if I cancled didn't matter. In XXXX ( or late XXXX/not sure ) I got tired of the haraasment ands called XXXX XXXXI was informed after nearly a hour wait that yes I was correct and they should had stopped billing in XXXX. I was bumped up to a " supervisor " who stated she by company policy could only go back 2 monthe and the bill would only {$120.00} ( aprox ) WHY would or should pay for non provided services? This fraud .It seems XXXX is also " shopping the areas to renew filing agaisnt my credit reports.
Consumer complaint received 2024-08-12
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRUIST FINANCIAL CORPORATION (AZ)

This account represents a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : SUNTRUST BANK DBA LI/TRUIST FINANCIAL XXXX