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 capital 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 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. (DC)

My account with all the companies that I included on the document was never late! I have had exceptional payment history witH XXXX XXXX XXXXnd 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. (GA)

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 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 2024-06-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (SC)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
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. (FL)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-07
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. (CA)

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.

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 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. (VA)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2023-12-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX Capital One Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Complaint and Request for Investigation - XXXX XXXX Fraudulent Transaction Dear Capital One Bank Customer XXXX XXXX XXXX trust this letter finds you well. I am writing to formally register a complaint and request your immediate assistance in investigating a fraudulent transaction involving my Capital One account. The matter pertains to a deceptive entity operating under the name XXXX XXXX. 
On or about XX/XX/2022, my partner and I were enticed by an online video presentation delivered by XXXX, the purported owner of XXXX XXXX. This presentation emphatically touted the program as a risk-free investment opportunity. Subsequently, we were contacted via a webinar by XXXX XXXX XXXX, who introduced himself as a salesperson and official representative of the company. XXXX XXXX even claimed to have personally invested in XXXX XXXX 's campaigns, adding an extra layer of credibility to the venture. 
Our initial investment into XXXX XXXX amounted to {$16000.00} each, totaling {$32000.00}. 
This comprised a {$12000.00} fee for lifetime management and an additional {$4000.00} for the first month 's campaign investment, with the promise of substantial monthly returns. Over the subsequent XXXX months, we made further investments totaling {$48000.00} ( {$4000.00} each per month ). In aggregate, we have committed a substantial sum of {$80000.00} to this program. 
Crucially, XXXX XXXX had represented this program as entirely passive in nature, requiring only a monthly investment of {$4000.00} each. In return, the company assured us of monthly returns that would not only recoup our investment but also potentially yield profits of up to {$10000.00}. Regrettably, we have not witnessed returns exceeding a mere few XXXX dollars, and each month, we faithfully continued to invest an additional {$4000.00} each. 
To compound our financial burden, I was encouraged to apply for a {$16000.00} line of credit through XXXX, a recommendation made by XXXX XXXX itself. This line of credit was promptly approved, with the entire amount subsequently transferred to XXXX XXXX. The {$12000.00} was earmarked for the lifetime management fee, while the remaining {$4000.00} was designated for the initial advertising campaign investment. Enclosed, please find pertinent documentation confirming this transaction, which explicitly implicates the involvement of XXXX. 
In recent days, all communication from XXXX XXXX has abruptly ceased. Emails directed towards the company now bounce back without response. The once-promising program has now shrouded itself in darkness, and we have not received any compensation for our monthly campaign investments, let alone witnessed any returns on our substantial investment.
Consumer complaint received 2023-11-07
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

Kohl 's Department Store/Capone Collections Subject : Cease and Desist Unauthorized Debt Collection Activities Dear Sir/M, I am writing this letter to formally demand that you immediately cease and desist all debt activities pertaining to this account with Kohl 's Department Store/Capone Collections. It has come to my attention that you have been engaging in unauthorized and unfair practices, which amount to a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ).

Firstly, I dispute the existence and validity of the alleged debt you are attempting to collect. I have not entered into any contractual agreement with your company.

Furthermore, your collection tactics have been persistently harassing and intimidating, which is unacceptable and unlawful. I have received numerous phone calls and letters from your company, often containing false and misleading information designed to pressure me into paying a debt I do not owe. These actions are in direct violation of the FDCPA, specifically Section 806 ( 5 ), which prohibits the use of false representations or deceptive means to collect a debt.

I hereby request that you immediately adhere to the following demands : 1. Cease and desist all debt collection activities related to my account, including phone calls, letters, and any other form of communication deemed as harassment.

2. Remove any negative credit reporting associated with this alleged debt from all credit reporting agencies, within 15 calendar days of receiving this letter.

3. Provide me with written confirmation, within 10 calendar days of receiving this letter, stating that you will cease all collection activities and that you will not initiate any future contact in relation to this matter, unless it is to provide documentary evidence requested to validate the debt.

4. Retain and preserve all documentation related to my account, including call recordings and correspondence, as I may pursue legal action should my rights continue to be violated. 

Failure to comply with my demands within the specified timeframes will leave me with no choice but to pursue all available legal avenues to protect my rights and seek damages for the harassment endured. I will not hesitate to file complaints with the appropriate regulatory authorities, including but not limited to the Federal Trade Commission and the Consumer Financial Protection Bureau. 

Please be aware that a copy of this cease and desist letter will be kept on file for future reference. I advise you to forward this letter to your legal department and take immediate action to rectify this matter. Your prompt attention to this issue is expected and appreciated. 

I trust that you will comply with my demands and rectify this situation promptly. Thank you for your immediate attention to this matter. 

I don't have no knowledge of this account.
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXTo Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB.

Please forward an updated credit report to me after you have completed your investigation and corrections.

Your cooperation and prompt attention are required by law.
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KS)

Information on my credit report from all 3 agencies is incorrect. Your roll is to report all correct and accurate information. Things that is incorrect and invalid.

Date opened High credit Credit limit Last reported Date last active Date of last payment All 3 credit reporting agencies are posting different payment history. Not acceptable!
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 all the companies that I included on the document 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 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 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

on XX/XX/2024 I submitted an request for investigation of 3 unrecognized XXXX inquires. Two on XX/XX/2024 and one on XX/XX/2024. Hours later, Equifax, through their dispute center, posted a result to my request. It is stated by them that this report was mailed to me. However, I Never received it in the mail. I just happened to stumble upon it on their website.
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 XXXX
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)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that I was in fact paid on time. the the consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following, XXXX XXXX I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. 
Thank you for your understanding and prompt action.
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. (WI)

My account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX, XXXX XXXX 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 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 on those accounts 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 XXXX XXXX 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. (MS)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially 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 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 crime 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 inaccurate.