davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-08
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 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 me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX - XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

My account with all the companies that I included on the document 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 the months that I was late 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.
Consumer complaint received 2024-06-08
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 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 XXXX, XXXX, XXXX, XXXX, XXXX, AND 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 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 2024-06-08
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. (NE)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX XXXX
Consumer complaint received 2024-06-07
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)

from XX/XX/year> through XX/XX/year> the following EXPERIAN inquieries where made to my account without any authorization. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-08
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. (PA)

I am writing in regards of the ongoing issue concerning the late open accounts inaccurately listed on my credit report. This letter marks my eleventh attempt to address this matter, and I am increasingly frustrated by the lack of resolution and the continued presence of these inaccuracies. I have diligently provided all necessary documentation and followed your companys procedures to dispute these erroneous entries. Despite numerous follow-up communications and assurances that the issue would be resolved, the late open accounts remain incorrectly reported on my credit file, causing significant distress and impacting my financial standing. I expect for ani immediate Correction of Late Open Accounts and ensure that all late open accounts are accurately reported on my credit file, reflecting their true status. Also a thorough Investigation : Conduct a comprehensive review to identify and address the root cause of these inaccuracies, implementing robust measures to prevent future occurrences. The following accounts should be corrected as soon as possible : XXXX XXXX Balance : {$140000.00} ; XXXX  XXXX Balance : $ {$190000.00} ; XXXX  XXXX Balance : {$0.00}.
Consumer complaint received 2024-06-08
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. (GA)

I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.
Consumer complaint received 2016-01-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (NJ)

I submitted a complaint to the XXXX and Chase corporate and have not received a response. On XXXX XXXX, XXXX I went to a Chase branch on XXXX XXXX XXXX, XXXX NJ XXXX. I had a coupon that offered a {$300.00} bonus if I open a Chase Total Checking Account and set up a direct deposit. The relationship banker, XXXX, that was helping me did not mention until she was done setting up the account that I 'm not eligible for the coupon until XX/XX/XXXX. I guess she wanted her commission badly because she promised to apply a code XX/XX/XXXX if I call her with another coupon. The XXXX was a XXXX and XX/XX/XXXX and XX/XX/XXXX was a weekend. I called the branch on XXXX and XXXX but XXXX was n't there. I finally caught her on XX/XX/XXXX where she was with a client and promised to call me back but never did. On XX/XX/XXXX I called again and she tried to apply my coupon. She told me that the system was n't recognizing it when I know it was a real coupon sealed, unopened and was originally from Chase. She said she would call corporate for help and call me back. She never did. I believe that I was tricked into opening an account at Chase because I never intended to have an account and was only hoping for the bonus. I do n't think Chase has the right to offer false bonuses to lure in customers. Moreover the relationship banker should have told me that I 'm not eligible for the bonus before opening the account.
Consumer complaint received 2019-07-26
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Repeat calls to my place of employment after being asked not to call. Every time I request documentation on the debt, they hang up and call back later XXXX XXXX states she's a locator service on behalf of XXXX XXXX and that if I don't pay, I will be arrested. When I asked for documentation regarding the debt, first she gave me a claim # XXXX and a phone number to call XXXX. I called the number and presented them with the claim number and asked for a paper copy to be mailed to my address to ensure it's validity. I was told a bunch of things regarding a release that I have no clue about. XXXX XXXX calls an hour later and states she hasn't received a release from XXXX XXXX and she needs serve me documents. As I attempted to provide/verify the address she already had, she hung up the phone. Next day, XXXX calls my job and is transferred to me. She asked to speak with the Director of HR. I initially transferred the call but it came back to me and that is when she identified herself. I told her she can't call my work phone and I tried to provide the address for the documents again. She hung up and called back and eventually got in touch with the Director of HR. She left him the same information she previously gave me, XXXX XXXX-claim # XXXX. After I received the message, I called and talked to a XXXX who stated they have nothing to do with the locator service tactics and they could not stop the locator service from calling unless I set up a payment plan. At this point, my wife ( 6 ) has received the same calls from XXXX XXXX and my supervisor ( 3 ).
Consumer complaint received 2024-06-07
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. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

My account with XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 XX/XX/year> to XX/XX/year> 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 se
ction 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 2024-06-08
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)

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 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (CA)

I have been a US Bank customer & have had a credit card account with them for the past 10 years. US Bank decided to take action & close my credit card account. On XX/XX/2019 I called US Bank & requested a new card be mailed to me because my previous card was damaged. When the new card was delivered at my residence I was overseas due to work. I was not able to get the card because I was overseas, & the card got RETURNED via mail to US Bank. US Bank assumed I didnt live at that address or it was ordered fraudulently. US Bank decided to shut down my credit card account without calling or contacting me to verify. I called US Bank stating my case to tell them what happened. US Bank instructed me to write a letter stating I want to keep this account open. I wrote them a letter & sent it to US Bank by fax, & they claim they never got it.
Consumer complaint received 2024-06-08
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam XXXX I am writing to you in accordance with the Fair Credit Reporting Act ( FCRA ) Section 605 ( b ) to dispute the accuracy of information on my credit report. I have reviewed my credit report and identified discrepancies that I believe require investigation and correction. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The inaccurate information pertains to the following accounts : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing the accuracy of late payments associated with these accounts. I believe these entries are incorrect and are negatively impacting my creditworthiness. 

Under FCRA Section 605 ( b ), I request that XXXX, Experian, and XXXX conduct a thorough investigation into these disputed items. I also request that you provide me with a written explanation of the results of your investigation and any actions taken as a result.

According to FCRA section 605B it is illegal to report any information on my credit report without my permission please remove all items from my credit report permanently, thank you. 

Please acknowledge receipt of this dispute letter within 30 days and inform me of the steps being taken to resolve this matter. I am relying on your prompt attention to ensure the accuracy of my credit report. 

Thank you for your cooperation in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-08
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. (IN)

I have been a victim of Identity theft. In accordance with the Fair Credit Reporting act Convergent Accounts Experian, XXXX and XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s a person shall not furnish any information relating to a consumer if the person has no knowledge.
Consumer complaint received 2024-06-08
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. (GA)

I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.
Consumer complaint received 2019-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (MD)

Hello there, I have a problem with Wells Fargo Credit Department that I applied for XXXXXX/XX/XXXX by Wells Fargo credit card twice last XX/XX/XXXX and XX/XX/XXXX. Wells Fargo Credit Department sent same letter to me that they are unable to verify my identity in XX/XX/XXXX and XX/XX/XXXX. Their reason specified : " Identity can't be verified '' Their claim is false not true that I believe based on the facts. I already provided additional documents of my identity : utility bills, driver license, social security card at Wells Fargo branch office last XX/XX/XXXX in XXXX, Maryland and the branch manager of the Wells Fargo verified my documents for identity and submitted them to Credit Department at Wells Fargo. Credit Card Wells Fargo still refused to accept them and declined my identity for confirmation and card approval. Again this XX/XX/XXXX they approached me same reason of the decline of the card application : Identity can't be verified. I called Credit Card Department at Wells Fargo and they asked me to accept their passcode text that is not available on home phone. I asked them to send security code through SMS but they refused. I asked Wells Fargo Credit Card Department for alternative option to send a security code by email or text message or another way by mail. They refused. I provided my identification and additional documents at Wells Fargo branch office. Wells Fargo Credit Card still declined them. Their same reason : Identity can't be verified. I believe that they are doing abusive process and already burden the process and blocked me as a consumer for equal consideration and options for solutions. I believe that they discriminated me.
Consumer complaint received 2024-06-07
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. (SC)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.