davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

Dear XXXX XXXX, Subject : Request for Immediate Reporting of Payments and Addressing Reporting Discrepancies I hope this message finds you well. I am writing to express my concern regarding the current reporting practices of my account. Specifically, I have observed a disparity in the timeliness of reporting payments to credit bureaus for payments made on XXXX XXXX XXXX XXXX XXXX. It has come to my attention that payments, especially those made to bring my account current, are not being reported promptly. In contrast, delinquencies are reported immediately. This inconsistency is unfair and detrimental to my credit standing. I request that all payments, including those made to bring my account current, be reported to the credit bureaus immediately upon receipt. Accurate and timely reporting is crucial to ensure a fair reflection of my creditworthiness. I would like to request that this current payment information be updated and furnished to all three credit bureaus immediately. Thank you for your prompt attention to this matter. I look forward to your immediate action to rectify this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-31
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: Experian Information Solutions Inc. (TX)

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, 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-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 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I am writing to file a complaint against Experian for inaccurately reporting late payments on my student loans, which is in direct violation of the CARES Act. According to the CARES Act, " During the period that payments on federal student loans are suspended by the Department of Education, any payment that has been suspended is to be reported as if it were a regularly scheduled payment made by the borrower ''. 
This time period for the cares act spans from XXXX XX/XX/XXXX. 


Despite this provision, Experian has reported my student loan payments as late, which has significantly damaged my credit score. This incorrect reporting is heavily impacting my life, making it difficult for me to secure housing and other essential services. 

Acct XXXX is showing late payments from XXXX XXXX. 

I have disputed this account many times since XXXX, and have asked Experian to investigate this many times. 

I request that the CFPB intervene and ensure that Experian corrects this error by removing all late payments for this account from my credit report immediately.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

Dear XXXX XXXX XXXXXXXX XXXX XXXX  : Subject : Request for Immediate Reporting of Payments and Addressing Reporting Discrepancies I hope this message finds you well. I am writing to express my concern regarding the current reporting practices of my account. Specifically, I have observed a disparity in the timeliness of reporting payments to credit bureaus for payments made on XX/XX/XXXXXXXX XXXX XXXX XXXX. It has come to my attention that payments, especially those made to bring my account current, are not being reported promptly. In contrast, delinquencies are reported immediately. This inconsistency is unfair and detrimental to my credit standing. I request that all payments, including those made to bring my account current, be reported to the credit bureaus immediately upon receipt. Accurate and timely reporting is crucial to ensure a fair reflection of my creditworthiness. I would like to request that this current payment information be updated and furnished to all three credit bureaus immediately. Thank you for your prompt attention to this matter. I look forward to your immediate action to rectify this issue. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-12
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. (NJ)

If there are any inaccuracies or incomplete information regarding my accounts, judgments, liens, balances, payment history, late payments, account history, or any other details in my credit report, I request that you promptly correct or remove those items from my credit file in accordance with the Fair Credit Reporting Ac
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

On XX/XX/year> a tender of payment negotiable instrument was made in the amount of {$48000.00} this tender of payment pursuant to UCC3-603B included an affidavit of demand for debt validation proof of this will be attached below. XXXXUS DEPT OF EDUCATION has failed to respond to the affidavit on a point by point basis by way of affidavit and sworn under the penalty and pro to validate these claims against XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-13
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I received an email stating that my loan was paid in full, and closed on XX/XX/year>. 

" We recently processed the final payment of your XXXX loan ending XXXX. Your loan has now been closed, as it is paid in full. '' Since before that date, I had been requesting a copy of the loan agreement and terms. 

Citizens Bank has always stated that they can not provide the loan agreement or terms. 

This is strange, because their own website FAQ ( available at the bottom of the page, from the home page url ) says to call them for a copy of the terms. 

Twice now, I have escalated to a supervisor, who has said the loan terms will be mailed to me. 

Many months have passed, and no terms have been sent. 

I have found out that the loan was not fully paid off, despite the email advising that it had been, and is now in collections. 

Still, the bank refuses to send me a copy of the terms. My most recent call today, was met with the same answer. It is not possible to send a copy of the terms.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

PLEASE BLOCK AND REMOVE It is XXXX to acknowledge that I did not authorize these accounts, and their presence is causing me significant XXXX I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your swift attention and resolution of this issue are highly appreciated.
Consumer complaint received 2023-11-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (MD)

I have attached a picture for reference but I have made multiple payments on my student loans. My payments keep getting reversed and there is no notification given of when it happens. This is very frustrating because I have more than enough money in my account when these payments are being made. I know for a fact it is not an issue on my banks end. Ive talked to multiple people who are also having this issue.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

My account with XXXX XXXX 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 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 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

Dear XXXX XXXX XXXX XXXX Subject : Request for Immediate Reporting of Payments and Addressing Reporting Discrepancies I hope this message finds you well. I am writing to express my concern regarding the current reporting practices of my account. Specifically, I have observed a disparity in the timeliness of reporting payments to credit bureaus. 

It has come to my attention that payments, especially those made to bring my account current, are not being reported promptly. In contrast, delinquencies are reported immediately. This inconsistency is unfair and detrimental to my credit standing. 

I request that all payments, including those made to bring my account current, be reported to the credit bureaus immediately upon receipt. Accurate and timely reporting is crucial to ensure a fair reflection of my creditworthiness. 

Thank you for your prompt attention to this matter. I look forward to your immediate action to rectify this issue. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

This account Is identity theft. I have filled out all paperwork with state federal government and this needs to come off my credit report or I will be following charges against your company.You have XXXX days from receipt of letter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

Dear XXXX, Subject : Request for Immediate Reporting of Payments and Addressing Reporting Discrepancies I hope this message finds you well. I am writing to express my concern regarding the current reporting practices of my account. Specifically, I have observed a disparity in the timeliness of reporting payments to credit bureaus. 

It has come to my attention that payments, especially those made to bring my account current, are not being reported promptly. In contrast, delinquencies are reported immediately. This inconsistency is unfair and detrimental to my credit standing. 

I request that all payments, including those made to bring my account current, be reported to the credit bureaus immediately upon receipt. Accurate and timely reporting is crucial to ensure a fair reflection of my creditworthiness. 

Thank you for your prompt attention to this matter. I look forward to your immediate action to rectify this issue. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: NAVY FEDERAL CREDIT UNION (PA)

XXXX for {$6100.00} no verification on account Navy FCU For {$15000.00} no response XXXX XXXX XXXX no verification XXXX  incorrect information Navy FCU for {$6600.00} reporting incorrectly Navy Fcu for {$13000.00} is reporting in error
Consumer complaint received 2024-06-13
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. (SC)

Viewed report on XX/XX/XXXX noticed things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. " It shows account opened in year " XXXX '' that is not accurate, I had a XXXX in the year XXXX '' According to 15 USC 1681s-2 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.

According to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. " Please delete account ; not being accurate, delete it earlier than date it has to stay on file ''. " This account could not possibly have be opened in XXXX when I had a XXXX  that year, that is inaccurate ''. " Have proof of XXXX for that year. '' And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

According to 15 USC 1681s-2 they are suppose to 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 2023-03-15
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. (MN)

Ive submitted complaints numerous times about inaccuracies on my credit report and they refuse to properly investigate and remove the inaccurate accounts. This will be their last chance before I file a lawsuit. I have multiple records of the complaints and proof of inaccuracies I submitted numerous complaints through the cfpb website to have them investigate the following accounts XXXXXXXX XXXX XXXX XXXX Us Dept of Edu .The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate.The payment History dates are inaccurate. The account balances are inaccurate. This ground for removal they also violated my rights under 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.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Remove all fraudulent and inaccurate accounts from my credit report. 
Block any information resulting from identity theft, as required by FCRA. I expect a prompt response and resolution to this matter. Failure to comply will leave me with no choice but to pursue legal remedies available under the Fair Credit Reporting Act.
Consumer complaint received 2024-06-12
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (PA)

Midland Credit managment has been calling my phone up to 3 times a day every day of the week, through different phone numbers. I have told 2 separate callers that to stop calling my number. I have blocked each number they call from now, but i am still receiving new calls from new numbers multiple times daily
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AZ)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I have submitted over XXXX different letters to XXXX, Experian, and XXXX to correct the information on my credit report. I have also included my ID, Social Security card and also Proof of Address. They have responded by saying they wanted to make sure it's me. I have verified multiple times and my credit report is still not fixed with accurate information. Please DELETE the inaccurate information from my credit report.
Consumer complaint received 2024-06-13
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)

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. 

Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681c ( a ) ( 5 ) Section States ; no consumer reporting agency may make any 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 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

XXXX and XXXX has failed to verify the debt listed in the letter under Fair Debt Collection Practices Act, 15 USCG 1692 et seq., and the Fair Credit Billing Act, 15 U.S.C. 1666 reporting to credit Bureaus XXXX XXXX and Equifax
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MN)

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. 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 dates ( Date Last XXXX XXXX XXXX Active : XX/XX/year> XX/XX/year> XX/XX/year> Date of Last Payment : XX/XX/year> XX/XX/year> XX/XX/year> ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me.
Consumer complaint received 2015-09-17
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NC)

I moved from XXXX to XXXX. I had sent request to post office to forward all my mails to new address. I was getting letters from everyone, and many automatically updated my new address. I never got any letter from Macy 's /Citibank Credit Card XXXX I bought something for {$20.00}, and after 6 months with all late fees and interest Macy's/Citibank is asking me to pay {$230.00} XXXX 10 times XXXX. I asked them to settle this and only thing they are offering is removal of XXXX late fee of {$35.00}. I would be happy to pay {$20.00} + Interest. I would like Macy 's /Citibank to remove all late fee charges.