davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-02
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. (NY)

I am writing to formally dispute and request the removal of an unauthorized hard inquiry on my credit report. According to my recent credit report, dated XXXX from experian XX/XX/year> XXXX XXXX  XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX Experian XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX  Experian XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX  XXXX XXXX XX/XX/year> XXXX XXXX  XXXX XX/XX/year> XXXX Experian XX/XX/year> which I did not authorize any of these inquires i have no relationship with any of these banks. 

I understand the impact that hard inquiries can have on my credit score, and it concerns me greatly that an inquiry was made without my consent. I hereby request your assistance in investigating and removing this unauthorized inquiry from my credit report. Enclosed are copies of my credit report highlighting the disputed inquiry for your reference. I kindly ask for a prompt response to this matter and for the inquiry to be removed within the timeframe set by the Fair Credit Reporting Act. 

Thank you for your attention to this important matter. I look forward to your swift action to correct my credit report.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

My account with 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 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. 


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 2024-10-03
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)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

My account with 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 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. 


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 2024-07-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NV)

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 2024-07-02
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. (AZ)

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. 
XXXX Account 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 has violated my rights.

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 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

My account with 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 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. 


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 2024-07-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (FL)

I have been contacting Midland Credit management since XXXX trying to pay this debt. I have called them at various times of the day. Each time I have called, I'm told that I need to speak to a different department that is never there. They have sent a notification through XXXX and I have called only to get the same thing. This department is never there. The notification shows the times of operation XXXX to midnight and Sundays XXXX to XXXX. Midland Credit Management should be held responsible and pay fines. I have been calling them since XXXX. I have paid on the website only for it to be reversed. I have set up payment plans, only for them reversing the payments.
Consumer complaint received 2024-06-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (TX)

Roughly around XXXX of XXXX and again earlier in XXXX, I was contacted by XXXX XXXX stating that I owed them money for allowing my insurance policy to expire. I informed them that I did not as I fully paid my bill before I cancelled my insurance.Then in late XXXX, or early XX/XX/XXXX, I received a notice from a collection agency about the XXXX debt. At that point, I contacted XXXX and disputed the information as being inaccurate. I made several phone calls which yielded no results. I then emailed the customer service department around XX/XX/XXXX, stating that they have a collection for my account and that it is not accurate. They responded on XX/XX/XXXX asking for proof of the insurance that I had when I canceled. I submitted that information. Initially, they claimed that they could not find the attachments, but after several days of continued rebuttals by me, they decided that they could find the attachment on XX/XX/XXXX. They acknowledged that they had to backdate the cancellation date but now I may owe a short-rate cancellation fee for canceling early. They contacted me via phone call several days later reiterating the same message and that they were going to contact me once they had figured out if I did have to pay a fee. They then called several days later around XX/XX/XXXX stating that I overpaid by XXXX plus dollars but still had to figure out if I had to pay a fee. Then several weeks later around XX/XX/XXXX, they reached via phone call stating the fee amount was roughly {$120.00}. I told them would pay it on the spot and that I wanted this incorrect collection issue resolved. They then sent me to their payment people and I paid the fee on the spot. Five days later, the credit collection agency reported my debt with XXXX. I then contacted the credit agency disputing the collection. I informed them of the mistake made by XXXX and that I had resolved everything with XXXX. I also stated that I never owed them anything, that the collection was incorrect, and I had never conducted business with the collection agency. They stated that they knew that, and they also knew that I had resolved it but was going to continue to report it until XXXX corrected the information. Several days later they updated the information showing a XXXX balance. I tried to escalate the issue to their management with zero resolution. I since have reached out to XXXX via phone call and email from XX/XX/XXXX until XX/XX/XXXX over XXXX times. I have left multiple voicemails, I have been promised that I was going to receive a phone call multiple times and have never been contacted since.
Consumer complaint received 2024-03-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services (OH)

My loans were discharged under sweet v cardona. They were supposed to be completed on XX/XX/24 per the court ruling. They have yet to be completed. They still show a balance and no refunds have been issued. I have contacted both my loan servicer ( EDFinancial ) and student aid. The loan servicer says that I have to call student aid to get any info. Student aid advises that the loan servicer should be contacting them on my behalf and that the loan servicer should be processing any refunds. They are also charging interest while the loans are in forbearance when they should not be according to the court ruling.
Consumer complaint received 2024-07-02
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 recently checked my credit report and realized the company is reporting unknown adverse information on my credit report concerning an alleged debt. I have no knowledge of any business with the company. And I also never engaged in any contracts giving the company consent to furnish anything on my credit report. I feel extremely violated and upset that my privacy would be invaded in such a way. And that my identity would be used without my consent. The company 's actions have damaged my credit rating and hindered my access to credit. The company has violated FCRA permissible purposes of consumer reports, by furnishing unknown transactions to credit reporting agencies without my written consent. The company has also violated FDCPA 1692e by communicating with me concerning the false character, amount, and legal status of the alleged debt. And stating that I owe that debt
Consumer complaint received 2024-07-02
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)

I am writing to address some inconsistencies that I have identified in my personal credit report. These inaccuracies are having a significant impact on my financial standing, particularly in relation to my ability to own a home. While I understand that errors can occur, I have researched the dispute process and am aware of the required investigation time-frame of thirty days. The other bureaus have already removed this account from their records, following the submission of my FTC report citing the identification of an error. I am puzzled as to how this account was verified by your bureau while other bureaus have successfully removed it. Therefore, I request the immediate deletion of this account from my file as they are inaccurate, erroneous, incomplete, or unverifiable. 


XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (PA)

I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Consumer complaint received 2024-07-02
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)

Subject : Dispute of Bankruptcy Entry on Credit Report I am writing to formally dispute the bankruptcy entry on my credit report. This entry is inaccurate and is causing significant harm to my credit standing.

Details of the Disputed Bankruptcy : Date of Bankruptcy Filing : [ Date of the bankruptcy filing on your report ] Court Name : [ Name of the court where the bankruptcy was filed ] Case Number : [ Bankruptcy case number, if available ] Reason for Dispute : The bankruptcy entry does not belong to me.

Requested Action : I request that you investigate this matter and remove the inaccurate bankruptcy entry from my credit report. According to the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable investigation and correct any inaccurate information.

Please provide a detailed description of the investigation process and the methods used to verify the accuracy of the disputed bankruptcy entry. I also request the following : 1. Verification Sources : Provide a list of all sources, including courts or public records, consulted during the investigation.

2. Documentation Reviewed : Detail any documentation or evidence reviewed to support the verification of the disputed bankruptcy.

3. Correction : If the investigation confirms the inaccuracy, promptly correct my credit report.

If you can not verify the accuracy of the disputed bankruptcy entry, it must be removed from my credit report.

I expect to receive a response within 30 days of your receipt of this letter, as mandated by the FCRA. Failure to address this dispute promptly and accurately will result in a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and the Attorney Generals office. I may also seek legal advice to ensure my rights are protected. 
Please send your response to the address listed above. Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CC : Consumer Financial Protection Bureau Attorney Generals Office
Consumer complaint received 2024-07-02
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. (AZ)

Thank you for removing some incorrect items from my file due to alleged fraudulent activity. However, several items still need to be addressed. I am a victim of inaccurate credit reporting and dispute the following items, which do not relate to any transactions I have made or authorized. Please remove these erroneous items from my credit file : Experian XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$5500.00} XXXX XXXXXXXX Balance Owed : {$5500.00} XXXX XXXXXXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXXXXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$5700.00} XXXX XXXXXXXX Balance Owed : {$0.00} - Previously Late/Closed XXXX XXXXXXXX Balance Owed : {$10000.00} - Previously Late/Closed XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX, AZ XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed XXXX {$5500.00} XXXX  XXXX Balance Owed : {$10000.00} XXXX XXXXXX/XX/XXXX. These items are unknown to me. Additionally, some items have been deleted from other bureaus, raising doubts about their accuracy and the reported payment history.
Consumer complaint received 2024-07-02
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. (AZ)

I am responding to the recent investigation and do not agree with your findings. I believe the creditors were not adequately contacted, and I need more information regarding these accounts : Experian XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$7900.00} XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$4900.00} XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$7900.00} XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$4700.00} XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$2100.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2100.00} XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$7900.00}. Under the Fair Credit Reporting Act 15 U.S.C. Section 1681i, please reinvestigate and update these disputed accounts. Provide the names and addresses of persons contacted. You have fifteen ( 15 ) days to complete these actions, unless otherwise notified. Failure to verify within this time constitutes non-verification, and the accounts must be promptly updated according to Section 1681i ( a ).
Consumer complaint received 2024-07-02
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)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX