davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-17
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, XXXX XXXX was never late! I have had exceptional payment history with 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 in 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, 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 2024-06-17
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. (NJ)

There are two inquirie on my credit report that I did not do. My information has been compromised Please remove these 2 fraudulent inquiries immediately please. It's affecting my credit profile. I am attaching my Identity Theft Report to this compaint.
Consumer complaint received 2024-06-17
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. (FL)

Since XX/XX/XXXX, my wife and I have discovered several accounts on our credit reports that do not belong to us. Neither of us opened these accounts, indicating that we have been victims of identity theft. In XX/XX/XXXX, we each began disputing these fraudulent accounts with the credit bureaus. Despite our efforts, the accounts remained. 

On XX/XX/XXXX, we filed an identity theft police report. A few weeks later, we received the report and continued disputing the accounts with the credit bureaus. Unfortunately, despite having the police report, the credit bureaus still refuse to remove the fraudulent accounts. 

I am now reaching out to the CFPB because I do not understand how the bureaus still refuse to remove these fraudulent accounts. I urgently need these accounts removed from my report as I am not the debtor but a victim of identity theft. I am attaching a partial credit report that includes the account I never opened, along with the FTC Identity Theft Report and police report.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance with a Fair Credit Reporting Act the list of accounts below has violated my federally protect the consumer rights to privacy and confidentiality under 15 USC 1681 1 ) XXXX : # XXXX, Has violated my rights. 
15 USC 1681 section 602a States I have rights to privacy.

15 USC 1681 section 604 ( a ) Section 2 it also States a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any Consumer Reports containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedates the reports by more than 7 years. 
15 USC 1681 s-2 ( a ) ( 1 ) a person should 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.

15 USC 6802, i never receive the required opt-out notice at the time the account that is being reported ( they never give me the opt-out notice ) .i have a right to opt-out from any reporting of non-public info.
Consumer complaint received 2024-06-17
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 XXXX Account # 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 an account without my written instructions.
Consumer complaint received 2019-07-31
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My financial advisor left Merrill Lynch in XX/XX/XXXX. Since that time no service has been rendered. Despite this, ML has continued to charge a 1 % management fee on the two accounts I hold there. I requested a refund of the charges ; and XXXX XXXX, the VP in charge of the region, agreed to reimbursement, provided I sign a general release and move my accounts to another financial institution. In and of itself, the release seemed unwarranted. She then began demands for a W-9, thus making the reimbursement taxable. This a refund of my own money. It is not any form of compensation, thus my reluctance to agree. 

On XX/XX/XXXX, Ms. XXXX sent notification that ML 's offer had been rescinded because I had failed to act sooner. I was completing a rigorous Master 's program, about which Ms. XXXX was aware, and did not have the bandwidth to deal with her high pressure tactics. After several subsequent emails she gave me until today to settle the matter ; however, she is unwilling to forego the W-9. 

This whole situation has been stressful and time consuming. ML should have reimbursed me as agreed. Their failure to do so has resulted in a significant amount of lost time which equates with opportunity cost.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, 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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-17
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. (TN)

Subject : Urgent Complaint : Experian 's Continued Violations and Negligence Dear XXXX XXXX XXXX I am writing to escalate my ongoing complaint against Experian Credit Bureau due to their persistent negligence and violations of credit laws. Despite multiple attempts to resolve the issue of fraudulent items on my credit report, Experian has failed to respond and take corrective action. 

On XX/XX/year>, I sent a notice via priority mail, which was confirmed to be delivered to Experian with tracking number XXXX. Despite this communication, Experian has not acknowledged receipt of the notice or taken any steps to remove the fraudulent items from my credit report. This lack of response and inaction is unacceptable given the serious nature of the inaccuracies on my report. 

I have been tirelessly engaged in this dispute with Experian for a total of 90 days, during which they have continuously failed to cooperate and rectify the situation as required by law. Their blatant disregard for the Fair Credit Reporting Act ( FCRA ) and 15 US CODE 1681N, which allows for legal action against credit reporting agencies that fail to correct inaccuracies, is deeply concerning. 

In accordance with the law and my rights as a consumer, I am prepared to take legal action against Experian for their continued violation of credit laws. I demand the immediate removal of the fraudulent items from my credit report and the necessary corrections to restore the accuracy of my credit history. Failure to comply will result in legal action seeking damages of $ XXXX for each inaccurate and fraudulent item reported by Experian. 

In addition to failing to address the inaccuracies on my credit report and disregarding the notice sent via priority mail, Experian 's practice of removing and re-adding items exacerbates the already troubling situation. This erratic behavior not only violates the Fair Credit Reporting Act ( FCRA ) but also undermines the accuracy and integrity of my credit history. 

Experian 's repeated violations of the FCRA, particularly Sections 611 and 623, are clear in their failure to maintain accurate credit report information and their inconsistent reporting practices. By continuously removing and re-adding fraudulent items without proper verification, Experian is not only disregarding my rights as a consumer but also perpetuating the harm caused by the inaccuracies on my credit report. 

The persistent delays, stress, and financial implications caused by Experian 's negligence have reached a breaking point. I urge the XXXX XXXX XXXX to intervene promptly and ensure that Experian upholds their obligations under the law. 

Thank you for your attention to this urgent matter.
Consumer complaint received 2023-11-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: HYUNDAI CAPITAL AMERICA (TX)

Rep stated deferment was denied due to documents not being received in timely manner. Document received from Kia finance via email from their XXXX XXXX on XX/XX/2023, I signed the document within the XXXX XXXX on XXXX XXXX at XXXX... received a confirmation email showing I had signed the document along with a final copy of the agreement for my records. Kia statement and reason for denial is false and has negatively impacted my and the cosigner 's credit reports leading to denial of loans and extensions of credit. Documents were received, signed and returned within Kia 's XXXX XXXX. I never received a letter or email stating I hadn't returned the document or that the deferment was denied for any reason. The receipt I have states it was returned and accepted and I was given a copy of the final signed document showing it was completed. I did not receive any additional phone calls from Kia after XX/XX/XXXX until XX/XX/XXXX, of which were not answered until the XXXX due to my being at XXXX with co-signer who is in XXXX due to an auto accident that occurred at the end of XXXX, beginning of XXXX and was part of reason for deferment request. My being XXXX for XXXX at end of XXXX was other reason for deferment request. Kia rep stated they did not receive signed document and stated I had to make a payment because I was now in default, and without a payment I could not request a new deferment. I explained I had an email confirmation of deferment agreement on XX/XX/2023 but was told it did not matter because it was denied. When I asked to speak with the department who denied it I was told no one could speak with that department, not even they, the customer service rep, could speak with them directly. But my concerns would be sent to them after I made a payment. After payment I was directed to call back to request a new deferment and notes about my issue with orig deferment denial would be on account. No one could address the issue of the denial or issue with my credit being negatively affected. I can not forward emails or documents within email linked to Kia 's XXXX system, but I have attached screenshots of header information. Their XXXX XXXX is XXXX XXXX
Consumer complaint received 2024-06-17
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. (IL)

I would like to dispute the following inquiries i never authorized.

XXXX XXXX XXXX XX/XX/2022
XXXX XXXX XX/XX/2022
XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX
Consumer complaint received 2024-06-17
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. (CA)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I found out the creditor didn't give the required XXXX notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-06-17
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. (DC)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX  Account Number : XXXX Account name : XXXX XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX
Consumer complaint received 2024-06-17
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)

Subject : Dispute of Late Payment on Account Number XXXX I am writing to dispute the reporting of a late payment on my credit file for account number XXXX with XXXX. I assert that there has never been a period where my account was 180 days late, including the month of XX/XX/2023. 

I request a review and correction of this information. Under the Fair Credit Reporting Act, I expect a response within 30 days of receipt of this letter.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

The inaccurate information maintained on my credit report has not only resulted in significant financial harm but has also caused substantial emotional distress. The false representation of my personal and financial information is a clear act of fraud. It has deceived creditors and financial institutions, leading to higher interest rates, denial of credit, and an overall detrimental impact on my financial standing. This constant struggle to rectify these inaccuracies has inflicted undue stress and anxiety, undermining my trust in the credit reporting system. 

Moreover, the persistence of these errors despite multiple disputes exacerbates the situation, suggesting an element of extortion. By refusing to correct these inaccuracies, you are leveraging this misinformation to exert financial pressure on me. This coercion forces me into a position where I am compelled to take unnecessary financial measures, further aggravating my emotional and financial well-being. The distress caused by this situation is profound, as I am being unfairly penalized for errors that are beyond my control. 

The continuation of these inaccuracies represents a violation of my rights under the FCRA and FDCPA. The failure to correct or delete this false information, despite clear evidence and legal demands, highlights a disregard for the laws designed to protect consumers. This ongoing issue has caused not only financial repercussions but also significant emotional turmoil, impacting my daily life and overall mental health.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (GA)

I have asked to have my experian acct cancelled with XXXX payment. 
they continue to ignore me and don't cancel or call. 
I want the credit from the last one amount charged and have the person I call removed, as he does not help with any follow up of correcting wrong information.
Consumer complaint received 2024-06-17
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. (MD)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2023-11-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (CA)

This complaint is a continuum of complaint number XXXX. 

For the statement cycle from XXXX to XXXX of XXXX, American Express requested that payment for that statement be made by XX/XX/2023, a Saturday. I realized on Sunday, XX/XX/XXXX, that I could not make a payment from my account as it would post late and at least one business day after the due date. As a result, I submitted an internal payment request via my Amex account on XX/XX/XXXX. On XX/XX/XXXX, American Express assessed a late fee. I contacted the customer service line via telephone and asked for the fee to be waived. Per the representative, I have had two courtesy waivers and the " system would not allow him to waive it. '' I was unable to have the fee reimbursed. 

This act reflects a potential violation of the Federal Trade Commission Act, Section 5. In truth-in-lending, a consumer is permitted to make a payment on the following business day if a payment date falls on a date in which the financial institution does not accept payments. In this instance, since Saturday, XX/XX/XXXX is the payment date and a date in which American Express does not accept payments, I should have been allowed to submit my payment the following Monday, XX/XX/XXXX, without incurring a late fee.

I am requesting that American Express conduct a seven-year review of my account. In any instance that I was assessed a late fee for a payment due on a non-business day, but payment was received the following business day, those late fees be reimbursed. I am also requesting that the CFPB conduct a review of this process throughout the bank to assist consumers who may have been impacted by this technicality.
Consumer complaint received 2024-06-17
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. (TX)

I am using my report to challenge and investigate these wrongly reported accounts on my credit file. According to the Fair Credit Reporting Act, I am entitled to {$1000.00} for each incorrect report on my credit file. I understand that FCRA 605B mandates reporting any incorrect accounts appearing on a consumer 's report.
Consumer complaint received 2024-06-17
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. (MI)

I have for 28 years been a customer of XXXX XXXX Mortgage. I have paid since then every month. The issue is I filed Bankruptcy in XXXX. My Attorney was to reaffirm with my mortgage company but he did not reaffirm the house. So, I have NO credit on my account as positive. I contacted XXXX XXXX, and they said once the Bankruptcy is finalized it can no longer be reaffirmed with their company. I have contacted them and the attorney several times. Both decided to not address this issue. The attorney is XXXX XXXX, Michigan XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX MI XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Iowa XXXX. Account XXXX, This has been almost 7 years where my credit has not been recorded. I think it is not fair that I have to hire another attorney to fight this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX