davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-24
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. (IL)

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in Late 30 Days and Late 60 Days 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 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 2024-06-24
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. (IL)

My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX to be removed. 

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

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


XXXX XXXX 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 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I recently discovered that my creditor failed to provide the required 21-day notice before the payment due date, along with the statement that outlines my balance and due amount. This notice period is critical because it ensures that I have adequate time to review my statement, arrange for payment, and avoid any late fees.

Due to this oversight, I was not given sufficient time to make my payment on time. As a result, the creditor charged me late fees, and it now appears as though I did not pay my bill when, in fact, I was not given the opportunity to do so within the proper timeframe. This situation arose due to the creditor 's failure to follow the proper notification procedures, and it is their mistake that has caused this issue.

I expect that, given this error, the creditor will rectify the situation by waiving any associated late fees and adjusting my payment record to reflect that this delay was due to their non-compliance with the 21-day notice requirement, not my negligence.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

The information that is being reported on my credit report is from a fraudulent account. I have sent the information to Experian and also XXXX  XXXX XXXX detailing the identity theft that I experience. Please conduct an true investigation. The account address associated XXXX XXXX XXXX XXXX XXXX Florida XXXX is from a fraudulent address. Please remove
Consumer complaint received 2024-06-25
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. (MO)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identify theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN.
Consumer complaint received 2024-06-24
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)

I have disputed XXXX XXXX XXXX XXXX multiple times about my credit report in collections for a debt that is not mine. I have requested a debt validation letter and havent received it. Please remove off my credit report asap as its affecting my credit report. This account was opened without my consent. I have notified and sent letters to XXXX, XXXX and Experian dispute and they keep updating and verified the inaccurate collection of something is not done immediately I will be filing a lawsuit against XXXX, experian, and XXXX as this is affecting my credit. I never had a account with XXXX XXXX
Consumer complaint received 2024-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

This complaint seems to be about issues described in an earlier complaint. COMPLAINT ID XXXX SUBMITTED ON XX/XX/year> PRODUCT Debt collection ISSUE Communication tactics This complaint appears to be about issues described in complaint XXXX. Companies are generally not required to provide a new response to issues described in an earlier complaint. If you are not satisfied with the companys response to complaint XXXX, heres what you can do : Tell the CFPB and the company what you think about t THIS IS NOT TRUE. THIS IS ABOUT A SEPARATE LETTER THAT WAS RECEIVED ON THE XXXX AND RESULTED IN AN ADDITIONAL XXXX OF DAMAGES. XXXX XXXX! PROCESS THE XXXX COMPLAINT! THE CFPB OUGHT NOT TO BE DEFENDING BANKRUPTCY FRAUD! FILE THE XXXX COMPLAINT! IT IS A SEPARATE COMPLAINT XXXXXXXX XXXX XXXXXXXX I HAVE ADDED THE RECORDING OF THE CFPB HANGING UP THE PHONE ON ME AND NOT REFILING THE COMPLAINT. XXXX XXXX. THIS IS FRAUD.
Consumer complaint received 2024-09-05
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. (MD)

I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

The letter I've sent Experian stated in my dispute letter and quote " I am writing to formally dispute inaccurate information that appears on my credit report as maintained by Experian. This letter serves as my official notice of dispute under the Fair Credit Reporting Act ( FCRA ) and other relevant statutes. So I received a letter from Experian stating that their investigation is Fraudulent reporting and yet they responded by as being XXXX an Verified WOW! so I pulled my XXXX and XXXX and account numbers are the same as it shows that no payments has ever been missed or late. But Experian is claiming that I have missed payments and been late. Experian did not disclose their investigation. These accounts need to updated or removed from my credit report Report Number XXXX Legal Basis for Dispute : 15 U.S. Code 1681 : The FCRA XXXX accurate and fair credit reporting.

15 U.S. Code 1681e ( b ) : Requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. 
15 U.S. Code 1681s-2 : Addresses the responsibilities of furnishers of information to consumer reporting agencies. 
15 U.S. Code 1681i ( a ) ( XXXX ) : XXXX the procedure for the deletion of inaccurate, incomplete, or unverifiable information. 
Specific Dispute Details : I am disputing the following inaccurate information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Specific Inaccuracies : 15 U.S. Code 1681i ( a ) ( XXXX ) This information is incorrect and must be investigated and removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Specific Inaccuracies : 15 U.S. Code 1681i ( a ) ( XXXX ) This information is incorrect and must be investigated and removed. 


Affidavit of Truth : This affidavit is made pursuant to the Fair Credit Reporting Act as codified at 15 U.S. Code 1681. I do not consent to any automated scan response or XXXX verification methods. 

Certification : I certify under penalty of perjury under the laws of the United States of America pursuant to XXXX XXXX. XXXX ( XXXX ) that the foregoing is true and correct. 

Supporting Documentation : I have enclosed the following documents to support my dispute : Copy of Credit Report with Disputed Items Highlighted Copies of Identification Documents Copies of Supporting Documents Please investigate this matter and correct the disputed information as soon as possible. I expect your investigation to comply fully with the requirements of the FCRA and all relevant statutes and regulations.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OR)

I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.
Consumer complaint received 2024-06-25
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. (IL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-06-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-06-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliance One, Inc. (FL)

I received a bill fro {$52.00} for an unpaid XXXX toll. ( Allianceone, reference # XXXX ) The toll was from a traffic camera in XXXX or XXXX ( 7 years ago ). According to them, it was from a vehicle that I had cosigned for my son. 
Neither he or I have ever received any notice from anyone. The XXXX account I had should have picked up the toll at the time. It never did. 
Now after 7 years, this toll appears. 
It looks like a scam or someone opened up an old audit from 7 years ago and now want to collect this misterious charge. 
My credit is important to me. 
Receiving a collection for a misterious charge should be removed. 
I am XXXX XXXX XXXX, XXXX XXXX XXXX vet, and do not need this kind of stress. 
Please assist me in this matter. 
Thank you
Consumer complaint received 2024-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I went to ATM to with drow cash for my small business XXXX transportation XXXX XXXX on XX/XX/year> the mechanic give me Error and cancel the {$1000.00} and take out from my checking account, I spoke to Bank of America at the same time the created claim # XXXX and told that they will credit {$1000.00} into my account on Tuesday but that didn't happened I keep calling them they ignored the issue to resolve
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OR)

I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : XXXX XXXX XX/XX/year> {$680.00} By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. 
Thank you for your time and help in this matter.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Consumer complaint received 2024-06-24
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. (IN)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Consumer complaint received 2024-06-24
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I discovered that a hard inquiry into my credit report had been initiated by XXXX XXXX through TransUnion on XX/XX/year>. The problem is that I have no business or accounts with Capital XXXX, so I have to assume that I've been the victim of identity fraud. As well, upon looking at my full credit report with TransUnion I quickly discovered that two additional phone numbers that don't belong to me had also been added to my credit report. 

Since then I've placed an initial fraud report on my credit report, and have filed a dispute with TransUnion to have the two additional phone numbers removed- which just leaves the hard inquiry currently on my account from XXXX XXXX.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My account with XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 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 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