davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history 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 to be updated. 


They are not in compliance with the following law. XXXX5 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 EXPERIAN 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! 


Update the late payments from my consumer reports
Consumer complaint received 2023-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (MN)

Our American Express is being billed multiple recurring charges for various streaming services we did not sign up for. Despite attempting to cancel directly with the merchant, they made it impossible- asking for account number, and when wed say we have no account number- theyd do nothing, so the recurring charges kept being billed. I contacted American Express, asking them to cancel the card and to ensure no more recurring charges would happen. I continued to see recurring charges. I contacted them XXXX times on this- and they continue not doing anything and essentially saying they will do nothing and Ill have to live with the recurring charges. This is not putting the consumer first. Their stance has been even if its a charge you never signed up for, were not going to ensure its not charged to you. Because despite cancelling the card- we continue getting billed recurring charges! Ive spoken to a supervisor there on about my fifth contact with them and continue to have XXXX resolution. Furthermore, I asked that a portion of my {$95.00} annual fee just paid in XXXX be refunded if I choose to cancel my American Express account altogether and they say they will not. So again, its consumer abuse as expectations in paying the {$95.00} fee is to have helpful customer services but despite reaching out to them XXXX times, they continue to do nothing. Thus- I should not pay {$95.00} for inadequate service or i wouldve signed up for a card with no fee if I knew the service would be non existent. If I cancel the card now, they should pro rate my annual fee and refund me. The {$95.00} is for an annual fee, not a XXXX month fee.
Consumer complaint received 2023-05-16
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: Experian Information Solutions Inc. (NV)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXXXXXX 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 2024-10-23
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. (MD)

It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX pursuant to 15 USC 1681ia1a , your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. 
As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 
Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than XXXX business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 
( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. 
Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Consumer complaint received 2023-05-16
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: EQUIFAX, INC. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Please read letter sent via email on XX/XX/2023 and on XX/XX/2023 Via certified mail # XXXX - Logged by USPS as Delivered to front desk reception on XX/XX/2023 at XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX CC : XXXX ; XXXX XX/XX/2023 NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT Dear XXXX XXXX XXXX, This letter is a formal complaint that you are reporting inaccurate credit information to credit reporting agencies. According to the Fair Credit Reporting Act, Section 623 ( a ) ( 1 ) ( A ) and 15 USC 1681s-2 ( a ) ( 1 ) ( B ) ( ii ), you are required by federal law to provide accurate information to the credit reporting agencies. 

I have informed you for months on multiple phone calls and in direct interactions with branch staff that the information you are providing the Credit Reporting Agencies is inaccurate. This letter is my final attempt to bring this harmful reporting of inaccurate information to your attention and to give you a final opportunity to correct the matter. 

Your failure to positively and accurately report this account has hurt my ability to obtain credit and has caused my family and me both financial harm and extreme emotional distress. 

I demand that all erroneous reporting be corrected dating back to the breach of XXXX verbal agreement with me concerning my approval for 6 months of COVID-19 forbearance on my Auto Loan account # XXXX. 

Should this harmful behavior continue, I will be forced to contact the relevant agencies to ensure that the appropriate action and sanctions for your violations of law are applied as it is of the upmost importance that no other members of the public have to suffer the emotional and financial harm that I have endured over the last year and a half as a result of XXXX  willful disregard and violations of consumer protection laws. You have 14 days from the date of this letter to cure. 


Sincerely, /s/ XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-16
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: EQUIFAX, INC. (TN)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX 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 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: COMMERCE BANK (MO)

In regards to XXXX that Commerce filed for the account XXXX, can you explain why a credit account that has been piling up balance over many years is reported as a single year cancelled debt. I believe this is wrong and it puts unnecessary burden on the taxpayer who then has to pay the cancelled debt in a single year as if it accrued in a single year. This is not correct representation/reporting. The referenced account has been open for about 10 years during which time the said balance accrued. Reporting it as a single year 2019 cancelled debt makes it seem unjustly as if all of the balance was accrued in 2019 and therefore cancelled debt applies to only that year-2019.
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : Bankruptcy XXXX XXXX-discharged Filed on XX/XX/2017 Reference number : 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 this item 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 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

I have sent 15 letters to have erroneous XXXX XXXX XXXX  accounts removed from my credit report. Every time I send a letter to dispute this account they either send me a stall letter or tell me this account is investigated/verified. They also keep updating my Date Of Last Activity every month. I need these accounts removed.
Consumer complaint received 2023-05-16
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC (MO)

In regards to CFPB complaint XXXX, please note that the complaint is about the following outstanding items : 1. If Title Max sold the car, no debt cancellation occurred in XXXX but in XXXX. The IRS needs to be notified of this error. 

2. Title Max indicated in their response to XXXX XXXX XXXX XXXX XXXX XXXX office in XXXX that even though they repossessed the vehicle they will not be claiming any amounts owed/due/debt cancelled. Doing so despite of writing to XXXX office to the contrary, is misleading to the customers. 

3. Please submit form 1099 C /send the 1099C filed with IRS for XXXX XXXX XXXX.
Consumer complaint received 2023-05-16
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (NJ)

This is actually a YES and NO answer, because today, Monday XX/XX/XXXX I did speak to someone the Fraud Retail Services Department at Wells Fargo about a XXXX XXXX credit card that I recieved in the mail Saturday XX/XX/XXXX. Charges for over {$3000.00} were made on that card. This is a different Wells Fargo account I am reporting now. In today 's mail I recieved yet another Wells Fargo store card for XXXX XXXX. This card shows an {$8000.00} credit limit. Because I opened my mail after business hours I won't be able to contct Wells Fargo again until Tuesday morning XX/XX/XXXX.
Consumer complaint received 2023-05-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am requesting and I would like to submit my CFPB Complaint regarding these fraudulent items on my report that are still inaccurate. I had submitted already my complaint on my previous letter but still there was no further actions. I want some investigations regarding to this matter. I need the following items be remove on my credit file immediately : 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 2023-05-16
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: Experian Information Solutions Inc. (OH)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance XXXX {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$980.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$4200.00} ; XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-05-16
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: EQUIFAX, INC. (AR)

This is my fourth attempts to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the erroneous information on my credit record that came about due to an alleged fraud. The following items needs to remove on my file : XXXX XXXX HXXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX.
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

The credit bureaus are publishing addresses and phones numbers I have no connections with in my credit reports. I have contacted all the credit bureaus about this issues time and time again, yet that information 's are still there.
Consumer complaint received 2017-04-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (NM)

I have applied for a loan modification. I am currently paying 6.5 % on a loan. The method to apply requires that you go on line and submit various appears. When I submitted them I had apparently not provided or incorrectly submitted some forms. There is no way to know this other than to check again online.No emails or phone calls from them.I have called the person who is supposed to be my " specialist but never actually spoke to him. He is very hard to understand. I get different people who give me different reasons why this has taken more than 4 weeks despite the site saying 7 days. I am about to be late with my monthly payment. The person I spoke to today said it was given to the underwriters on XXXX XXXX th and it could take up to 30 days. The person before said that it was out of their hands since the application has to go through my home state and they are waiting for the return from New Mexico. It seems to me that the longer they put off their decision the less it costs them. If they reduced my interest rate from 6.5 % to say 3 % ; by me continuing to pay the higher rate. according to the last person I spoke to, It so happens that the date I become late with my payment is the same date that the underwriters are supposed to " decide ''.
Consumer complaint received 2023-07-17
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. (PA)

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 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 2023-05-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC (MI)

I received a debt collection alert on my credit report for an alleged debt of {$160.00} placed on my credit report by a company called XXXX XXXX XXXX. I have no knowledge of this debt and I have never received any notice of this debt or any chant to dispute the debt which is a violation of my FCRA rights. I have no knowledge of this debt and there isn't even an account number for the debt for me to call and ask for information about it. This debt is not mine and I have no knowledge of it.
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.