davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-04
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. (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 30 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 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

Despite my repeated efforts over the previous attempts to rectify the errors, my credit report still inaccurately reflects unauthorized inquiry that should be removed. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate information on my credit report. I have provided the necessary documentation and evidence in my previous disputes to support my claims. However, it is disheartening that this error have not been removed, negatively impacting my credit score and financial standing. If this error isnot resolved promptly, I will seek assistance from you and pursue legal action to ensure my rights are protected. Kindly help me remove the item immediately : XXXX XX/XX/year>.
Consumer complaint received 2024-07-04
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: Experian Information Solutions Inc. (GA)

I am writing to formally lodge a complaint concerning my credit report. Despite my repeated efforts over the previous attempts to rectify the errors, my credit report still inaccurately reflects late open accounts and includes a public record that should be removed. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate information on my credit report. I have provided the necessary documentation and evidence in my previous disputes to support my claims. However, it is disheartening that these errors have not been corrected, negatively impacting my credit score and financial standing.These errors are not resolved promptly, so I will seek assistance from you and pursue legal action to ensure my rights are protected. Kindly help me correct the late open accounts and remove the public record immediately : XXXX XXXX XXXXXXXX Balance Owed : {$2200.00} You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. XXXX XXXX XXXX Balance Owed : {$1100.00} Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. Chapter XXXX Bankruptcy Reference # : XXXX This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. It should no longer be reported because it is past the XXXX statute of limitations that a credit bureau can report. Please update the filing date and then remove it.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

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 2023-05-30
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

I've been back and forth with capital one in regards to two accounts XXXX, and XXXX. 
These accounts was charged off XX/XX/2022 and XX/XX/2022 per XXXX credit report. However, I've yet to recieve the canceled portion of a 1099c. Per IRS Publication 4681, Charge offs, when sold to a third party it is an certificate of indebtness with 1099c and is now INCOME, furthermore income can not be on a consumer report. Furthermore, Capital One is in violation as there privacy policy states that I as a consumer have a right to opt-out of third party sharing and that they only can do so with my written consent, which I never gave.I 'm also fully aware of Capital One trading and selling on my name unauthorized. Pursuant to the 10k sec filings ( indenture agreement ) Capital One failed to disclose My right as issuer to transfer my securities for discharge and recieve payment for doing so, which without disclose of this it's obviously securities fraud, because they're still selling and trading on my name unauthorized.
Consumer complaint received 2024-07-04
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 the company and i was never late! I have had exceptional payment history with this company 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 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 MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

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

This company 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 2024-07-04
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)

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me 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
Consumer complaint received 2024-07-04
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)

I am writing to bring to your attention a critical matter that requires immediate action. I have recently discovered that I have been a victim of identity theft, where several accounts have been opened in my name without my consent.

As per the regulations outlined in the 15 USC 1681 c-2, I am requesting the block of information resulting from this identity theft. The unauthorized opening of accounts has not only compromised my personal information but also put me at significant risk of financial implications.

I urge you to take urgent steps to rectify this situation and prevent any further misuse of my identity. I kindly request your prompt assistance in investigating this matter and blocking any unauthorized transactions or actions associated with the fraudulent accounts opened in my name. 

I have taken the necessary steps to safeguard my personal information and have also reported this incident to the relevant authorities. However, I believe that your immediate intervention is crucial in resolving this issue and preventing any further damage. 

I am attaching relevant documentation, including copies of the fraudulent accounts and any other information that may assist in the investigation of this matter. I would appreciate it if you could acknowledge receipt of this email at your earliest convenience and provide me with an update on the actions being taken to address this identity theft case.
Consumer complaint received 2024-07-04
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)

I recently received a copy of my ( Experian, XXXX or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX, Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports
Consumer complaint received 2024-07-04
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. (CA)

I need to inform you I was the victim of identity theft. I'm disputing the following account as it was opened without my knowledge, consent or authority. I contacted the companies and they said to file the FTC affidavit. Please dspute the following account. It was opened wihtout my knowlege, authority or consent. 

XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I found out the creditor didn't give the required 21-day 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 2024-07-02
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. (CA)

company XXXX XXXX  account number XXXX It is have already more than one year since I became victim of identity thetf. Since that time I sent all necessary documents to credit bureaus and ask to investigate and remove fraudulent account from my credit report. I am losing my patience. If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel for relief through the court. remove this incorrect information at once and send me an updated copy of my credit report. I also request that you please send notice to anyone who received my credit report in the past six months. Also please find attached my DL, SSN card and bill statement
Consumer complaint received 2024-07-04
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 XXXXXXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXXXXXX 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 months that are reported late to be removed.

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

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


XXXX XXXXXXXX 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 2024-07-04
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. (PA)

XXXX XXXXXXXX credit card is reporting # XXXX ..... 

to experian last payment to a credit card in the amount of {$740.00} last payment date to a card not mine on XXXX and reporting to XXXX last payment date to the same card {$740.00} on a completly different date of XXXX and XXXX  delete it off my report completyl and i want this deleted off all my credit reports asap...
Consumer complaint received 2024-07-04
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: Experian Information Solutions Inc. (NC)

Upon reviewing my recent credit report, I have identified discrepancies that need immediate attention. The company has acknowledged this error and committed to updating the status to open/never late. Other credit bureaus have already corrected the status of this account after the company recognized the inaccuracies. 

I kindly request a thorough investigation into this account and prompt communication of the findings via mail. According to information available online, such disputes should be resolved within 30 days. Therefore, I expect to receive your response within this timeframe. Specifically, regarding this account XXXX XXXX XXXX
Consumer complaint received 2024-07-04
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)

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-09-03
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)

On '' XX/XX/year> I viewed my report, and I noticed some inaccurate information. I sent Mutiple dispute letter to Experian XX/XX/year> requesting them to investigate these accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$750.00} XX/XX/XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX  Credit Cards Issued by XXXX XXXX XXXXXX/XX/XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOT RECOGNIZED XXXX  XXXX XXXX  XXXX XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-04
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: Experian Information Solutions Inc. (CA)

XXXX The claim number listed above give details of the initial complaint. XX/XX/year> was the day this complaint was initiated today is XX/XX/year> surpassing the 30 day allowing the company to gather the appropriate documentation to counter act my claim. I have already give notice to the company the IRS accepted my 1099a so I am warranting XXXX XXXX XXXX XXXX to preform their obligations updating the account and all reporting attached to my accounts. I have not received any information proving the IRS did not accept my documentation and am requesting the following XXXX XXXX  accounts be removed in good standing and all payments stopped until I receive my consumer portion Copy XXXX  of the 1099a allowing me to know XXXX XXXX has done their due diligence in correcting this matter. If XXXX XXXX refuses to provide such documentation due to negligence I am requesting the CFPB completes a formal investigation into this matter and ALL payment are stopped and my account is placed in a due not pay due not collected status until XXXX XXXX submits the proper documentation, I am fully aware all companies dealing with Registered security have an obligation to report all tax document with the grace of having it completed with 3 years of the issuance so if XXXX XXXX wants to wait, my account needs to be placed the proper status without negatively affecting my consumer report.
Consumer complaint received 2023-09-22
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (TX)

I was given an American Express Virtual Gift Card last year and I have been unable to use this card anywhere, online or in stores. Today, XX/XX/2023, I tried calling the number on the back of the card and this number gives you 4 choices to choose from and I chose all of them and was never given the option to speak with someone. This number would give you recorded information and then hang up. I looked online and received another number, called that one and the gentleman I got on the phone, gave me another phone number that directed me to the same recording as I got when I called the number on the back of the card... This happened twice. No option to speak with anyone. I am able to go online and it shows I activated the card in XX/XX/2023 and it has a balance of {$100.00}, which is what my employer gave me as a gift. I just wanted to know how to use it, because I have tried several times with no success. After reading comments online, I decided to contact someone, because I am going through exactly what others are describing...