davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-19
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  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 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  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 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

I have spent over a year, going back and forth with the credit agency and half a year as of this year; going back and forth with the furnisher. The furnisher is stating that they have advised Experian, XXXX and XXXX to close and remove the account. The only one to has listen was XXXX. Instead of removing the account Experian and XXXX decides to TRY and update it as my consolidator who is NOT reporting to my credit report as of today. Another false verified updated from the credit agency. 

Not only that ; the information reporting is inaccurate and constantly violates my rights! I ask for compensation but what I get is rude customer service when I called and accounts as update. How can incorrect information be verified updated when the other agency are not reporting it. I have active memberships with all three bureaus and they NOT saying the same thing but yet. Information is verified. I have sent letters in the mail, they mail me a report back. I am mentally drained from the back and forth, I need this resolved or they can hear from a lawyer next with the violation of the law. 

15 U.S. Code 1681i section 602a- I have the right to privacy.

15 U.S. Code 1681i section 604a- I must provide written consent for any accounts.

15 USC 1681 ( a ) ( 4 ) - Please Review this law 15 USC 1681a. ( e ) - 15 USC 1681b. ( a ) ( 2 ) - Please Review this law 15 USC 1681i. ( 5 ) ( A ) ( i ) - 15 USC 1681a. ( c ) 6. A States that I may seek compensation for violation damages
Consumer complaint received 2024-06-19
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. (WI)

I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.
Consumer complaint received 2023-07-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NY)

On XX/XX/2023 at XXXX, I have initiated a money transfer online through MoneyGram, the amount was {$4300.00}, the funds were supposed to be deposited into XXXXXXXX XXXX XXXX XXXX  Limited bank account in the XXXX XXXX, on MoneyGram website, it says transfers of that kind takes 0-4 days to to complete. On the XXXX of XX/XX/2023, XXXX XXXX XXXX XXXX contacted me about the funds not being deposited in their accounts, I called MoneyGram to for inquiry, the manager has explained to me, I am having this issue because MoneyGram does no send money to businesses, and only deals with individuals and families, however they will work to make sure, the funds are refunded to my account, he also explained this usually takes 30 to 90 days for resolution, however I will get my money back earlier since I did not know of the consequences of sending money to businesses which they do not do, after three days I still did not receive the refunds, every time I call, they had a different explanation, they say we are still working to get your funds back. You put in the wrong account number and funds may be missing, which Challenge the Moneygram Managers constantly as that was not true, as matter of fact on the first day of my complain, all of that was verified, and the manager agreed all account numbers were correct, on XX/XX/2023 Moneygram sent me email saying they have completed their investigation and I should disregard whatever they told me previously, and they have deposited the funds in XXXX XXXXXXXX XXXX XXXX account. I called XXXXXXXX XXXX XXXX XXXX and asked them if they have received any funds and they said no, and even sent me they bank statement to back it up. I called XXXX and requested the transfer transcript as to verify if the funds were indeed deposited in XXXXXXXX XXXX XXXX XXXX bank account, XXXX tells me they have to investigate all over again, and it will take another 30 to 90 days, at this point I believe XXXX is not being transparent with me an some in their organization has stolen my money. On their report if states I have a right to the investigation report, the transfer history as the accounts money was deposited. I need to know what account they deposited the money into, if they claim they have deposited the funds
Consumer complaint received 2016-11-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I have had my mortgage with Nationstar since XX/XX/XXXX. My ORIGINAL Loan Documents and Escrow Agreement designated Property Taxes only. Twice since I took this loan out, I was given notice of forced placed insurance when I had provided SEVERAL times proof of current homeowners insurance. Each time I was told that the problem had been corrected. 

Today, XXXX XXXX, I noticed that my escrow account was shorted {$530.00} on XXXX to pay my Homeowners Insurance. I never authorized this and my homeowner 's policy for XXXX was PAID IN FULL BY ME ON XXXX XXXX. I contacted Nationstar to ask them why they suddenly began deducting money and they had no answer. This not only breaches my loan agreement but shorts my escrow account by XXXX which will now INCREASE MY PAYMENTS. This is WRONG.
Consumer complaint received 2015-05-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (AZ)

Well let me start off by saying we're XXXX and can't work, Nationstar thought we wanted to ride for free and make no mortgage payment but that wasn't the case. We was waiting on XXXX to get approve when we try to stay in contact they would hang up or they would talk very rude they say you can't stay for free. I know this but just bear with us for a little bit till I get approve for XXXX and they would hang up.They didn't care if I was on XXXX or not,they we're going to foreclose I told them I needed the make my home more affordable program paper's they say ok then I would never here from them until i call
and this went on for a long time they just wouldn't call just didn't care.Then I would call and for the paper work we will sent it at some point they would stop talking.To us I would call and leave MGS. after MGS and no call so if they really wanted to help don't think they would kept in contact with us.there a lot of homeowner's with Lender that have the same problem just check any web site.We had XXXX suppose to be Dedicated Loan Specialist if they really wanted to help we wouldn't be in this problem.XXXX and all of wouldn't call u back.The last time I talked to XXXX I said I need those paper's to fill out and he ok I'll mail them and he waited till the day of sale date
we need those paper's back now and the sale date was the next day.I call and left a MGS
I need more time.They knew it was to late when they saw my income it was to low they wasn't going to make no deal. So when the sale date was here I called them and they just
hung the phone up and I called a few times. And nothing this Lender just wasn't especially
XXXX people with low income.We can't help it if became XXXX
Consumer complaint received 2024-06-19
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)

PLEASE BLOCKED AND REMOVED Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.
Consumer complaint received 2024-06-19
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. (NY)

I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

My account with the company has always been in good standing, and I have never been late with a payment. I have a stellar payment history with XXXX XXXX, with all payments set up on Autopay. The reported late payment is due to a systematic error on their part in processing my payment.

This is a clear billing error by the company and does not reflect my actual payment history, which is a violation of USC Code 1681eb. This mistake has significantly harmed my reputation, character, lifestyle, and family.

I demand that the late payment reported in the specified months be removed.

The company is not in compliance with 15 USC 1666b, which outlines the requirements for treating a payment as late. They reported my payment as late without following the law.

According to 15 USC 1666b ( a ), a creditor can not consider a payment late if they have not adopted reasonable procedures to ensure that each periodic statement, including the information required by section 1637 ( b ), is sent to the consumer at least 21 days before the due date.

The company failed to send the periodic statement and the necessary disclosures as required by section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date in good faith pursuant to rule 1002, but this proof was never provided.

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer. 

Please remove the late payments from my consumer reports.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

Dear agency im sending this letter because you are reporting a incorrect Information on my credit report I do not know recognize this accounts I never give any Information to this company below : XXXX XX/XX/year> XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-19
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. (WA)

XXXX XXXX, Date opened XX/XX/XXXX Acct # XXXX {$250.00}. 

XXXX XXXX, Date opened XX/XX/XXXX Acct # XXXX {$1200.00}. 

XXXX XXXX XXXX XXXX opened XX/XX/XXXX Acct # XXXX {$320.00}. 

XXXX XXXX Date opened XX/XX/XXXX Acct # XXXX {$2800.00}. 

XXXX XXXX XXXX opened XX/XX/XXXX Acct # XXXX {$1600.00}. 

According to 15 U.S.C 1681 section 602 A : I have a right to privacy. This code was violated by all the above accounts.

According to 15 U.S.C 1681 section 604 A ( 2 ) : Can not furnish without my written instructions. This code was violated by all the above accounts.

According to 15 U.S.C 1681s-2 : Any person can not furnish inaccurate information relating to consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. This code was violated by all the above accounts.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A. (GA)

The mortgage on my residence has been serviced by PNC Bank since XX/XX/XXXX. Since that time, all payments have been made on time, and there has been no default of the loan. 

On XX/XX/XXXX the comaker on my mortgage filed a XXXX  XXXX bankruptcy case. Payments have continued to be paid on time. On XX/XX/XXXX PNC Bank generated a letter that I received advising that negative information was provided to the credit reporting agencies. Within the next month, each of the credit reporting agencies reported that my mortgage was paid and there was no longer a balance due for the account. This was far from the actual facts. I have contacted PNC and was directed to a representative that handled accounts that were involved in a bankruptcy. I was advised the even though I was not involved in the bankruptcy that the account for their purposes was coded as in bankruptcy. Furthermore, I inquired about having accurate information reported to the credit bureau agencies with regard to the credit report. Additionally, I was advised that they would not report updated information until a time that the comaker on the loan had completed their payment plan. The mortgage is not one of the accounts that is being paid within the XXXX  XXXX plan. 

After that time, I filed disputes with each of the credit bureau agencies concerning the information reported by PNC Bank. After the investigation by XXXX XXXX, they deleted the account from the bureau. I called XXXX XXXX and the representative advised they could not help, and I would need to have PNC Bank report information to have the account listed on my bureau. XXXX conducted a review of my dispute, but at the end of the investigation did not update any information. The same was the case with XXXX. 

By PNC Bank not reporting information on my mortgage to the credit reporting agencies, this has resulted in my credit score decreasing by approximately 30 points.
Consumer complaint received 2024-06-19
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)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-06-19
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. (TX)

I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.
Consumer complaint received 2024-06-19
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.

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 2024-06-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (CA)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-06-19
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 respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.
Consumer complaint received 2024-06-19
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. (MI)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-06-19
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. (MI)

" I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. I am distressed that you have included the information below in my consumer file and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish, which is a violation of The Fair Credit Reporting Acts compliance procedures section, 15 USC 1681e ( b ). I contacted the Federal Trade Commission and filed a complaint which is attached. Please block and remove all information from my credit report and send me an updated copy of my credit report. By law, the items listed above are a result of fraud that I did not authorize. The Fair Credit Reporting Acts Block of Information section, 15 USC 1681c-2 "
Consumer complaint received 2024-06-19
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. (MI)

I was utterly shocked and devastated upon discovering unauthorized credit inquiries made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, present evidence of explicit authorization for each inquiry, disclose all communication exchanged, share internal records, confirm identity verification measures, and demonstrate compliance with relevant laws.