davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-08
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)

XXXX XXXX/ I have disputed this account more than XXXX times and each one comes back the same. The company still allows them to keep the information on my credit when I've submitted information to them in regards to the account being closed, paid in full, and previously the creditor reported payments were ALL on time never late, and now that I filed a claim with CFPB right after they entered falsified information saying I was late the entire year of 2019 in which I was not. They are allowing this creditor to say the account is still open when it is not open it was closed in 2019. 

XXXX debt recovery/ this account has been removed from my credit based on decision of dispute and they have allowed the company to play double jeopardy in an attempt to collect funds not owed. The credit reporting agency has information from each dispute and prior to allowing a company to submit anything they should use that information to determine it is not legal what the collection company is doing and violates my rights as a consumer.
Consumer complaint received 2024-08-08
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 account with ( XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made 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 those account 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 XXXX 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 XXXX  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 2024-09-10
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)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : XXXX XXXX XXXX XXXX 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 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 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 I looked at my Experian credit report on XX/XX/XXXX, and noticed some incomplete and inaccurate things. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been information that the information has been modified or deleted from the file of the consumer. According to 15 USC 1681s-2, they are supposed not to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the account is inaccurate.

The Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) ; it also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b ; a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes
Consumer complaint received 2024-09-10
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)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2024-09-10
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)

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 XXXXXXXX {$550.00} XX/XX/XXXX XXXX XXXX XXXX {$14000.00} XX/XX/XXXX XXXX  XXXX {$1000.00} XX/XX/XXXXXXXX XXXX XXXX {$2700.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$460.00} XX/XX/XXXX XXXX XXXX XXXX {$6700.00} XX/XX/XXXXXXXX XXXX XXXX {$2500.00} XX/XX/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 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (SC)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"
Consumer complaint received 2024-09-10
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. (MO)

To Whom It May Concern : I request you provide me with proof of these alleged payments being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( PAANL ). Account ( XXXX XXXX  ) . Please provide detailed descriptions of all procedures used in your process to determine complete accuracy of information reported.

Once you have finished your investigations, send me an update credit report to the address stated above. Thank you. Sincerely XXXX XXXX
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in removing incorrect variations of my name from my Experian credit file. I have recently reviewed my credit report and found multiple inaccuracies regarding the reporting of my name, which I believe may negatively impact my creditworthiness. 

The following variations of my name have been identified in my Experian credit file : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These variations are not correct representations of my identity and do not match the name I have consistently used in all legal and financial matters. I am concerned that these inaccuracies could lead to confusion and potential issues with creditors and services that rely on accurate credit reporting. 

I kindly ask that the CFPB investigate this matter and assist in ensuring that my Experian credit file reflects only accurate and verified information regarding my name. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-10
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)

I am disputing some late payments that have been furnished on my consumer report by XXXX XXXX with the account number # XXXX. I have tried to address this issue directly with XXXX XXXX and they replied back that the information was accurate. I requested PROOF that they have adopted reasonable procedures to ensure that each periodic statement was mailed or delivered to me 21 days prior to my payment due date. This law does not state email or electronic mail. Also include proof of all the information required by sec 1637 ( b ) of title 15 USC, and the negative information disclosure. 

Any financial institution that regularly furnishes information to a nationwide consumer reporting agency must provide a notice to a consumer in writing prior to or no later than 30 days after furnishing negative information to such an agency. The Negative Information Notice is a requirement of Section 623 ( a ) ( 7 ) of the Fair Credit Reporting Act. This rule requires financial institutions to provide consumers with a notice that negative information may be provided to a consumer reporting agency. I am demanding PROOF where XXXX XXXX sent me a notice prior to or no later than 30 days of furnishing negative items on my consumer reports. This is a clear violation of the FCRA. 

I have requested proof and allowed them 30days to show me proof, therefore this account is unverifiable and I request the deletion of this account from my consumer report. 

Please see the attached file with the dates of the late payments
Consumer complaint received 2024-07-30
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. (FL)

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 2024-08-08
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. (NJ)

TO WHOM THIS MAY CONCERN : I XXXX XXXX XXXX COMPLAINT TO THE FOLLOWING PARTIES ( XXXX, XXXX AND XXXX ) ABOUT UNAUTHORIZED HARD INQUIRIES AND ACCOUNTS ON MY CREDIT. I WROTE TO THE PARTIES MULTIPLE TIMES AND NONE OF THE PARTIES ANSWERED NOR RESPONDED TO MY REQUEST. I WILL BE ATTACHING COPIES OF THE BRIEFS I SENT TO EACH PARTY INCLUDING DATE, ACCOUNT NUMBERS AND ETC. SO TO WHOM THIS MAY CONCERN MAY ANY OR SOMEONE RESPOND TO MY REQUEST AND I SURELY APPREICATE YOU AND THANK YOU XXXX XXXX XXXX
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My account with this company is being reported late 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 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX
Consumer complaint received 2024-08-07
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BALANCED HEALTHCARE RECEIVABLES, LLC (MA)

I want to dispute the debt because I think the amount is more than I owe. I currently have insurance and I never had a copayment or any medical payment around this amount before. I'm unsure what happened on the billing end but I should not be responsible for this amount due to me having health insurance.
Consumer complaint received 2024-07-30
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: National Credit Adjusters, LLC (AL)

I dont this negative collection on my credit!!! A negative collection will ruin my credit!!! Im dealing with a lot ..Taking care of my mom being sick in the hospital. She had XXXX surgeries since XXXX XXXX. I will get a police report!!! To send to them. Im currently in the hospital with her. I can send you my credit report to prove I pay my bills. My cell number is XXXX. I appreciate if you can help
Consumer complaint received 2024-10-30
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. (MA)

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 reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-07
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: EdFinancial Services (FL)

I currently have two student loans in the amount of {$67000.00} and {$30000.00} which have been consolidated into one loan for {$98000.00} by EdFinancial. Since XX/XX/year>, I have been going back and forth between EDFinancial and XXXX, who is reporting my loan balance at a higher balance than what is owed. My credit report shows that I owe the combined amount of {$98000.00} and it is also reporting that I owe {$30000.00}. I have filed about 7 or 8 disputes with XXXX to fix this. However, they continue to close my disputes without solving the issue or they say its an issue with EdFinancial despite me submitting documents of my balance as proof of my actual balance. I have also contacted EdFinancial to fix the issue, and they continue to blame XXXX and not help me resolve the issue. This is affecting my credit report because XXXX is stating I owe about XXXX more than what I owe.
Consumer complaint received 2019-12-01
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Reverse Mortgage Solutions, Inc. (TX)

My XXXX yr old Mother signed for a Reverse Loan on a Home that was paid off. XX/XX/XXXX She made payments on this Reverse Mortgage. after filing Bankruptcy XX/XX/XXXX an she was told by XXXX XXXX XXXX She was to continue her payments. Our trustee XXXX XXXX XXXX discovered we wasnt to pay. Reverse Mortgage did nothing. My Mother passed XX/XX/XXXX. Reverse Mortgage filed a Automatic Lift an Stay. XX/XX/XXXX. We hadn't filed her Will. Judge Rule we simply Talk. They would not receive our Calls. 
From XX/XX/XXXX to XX/XX/XXXX.Mother had paid XXXX we told the judge were willing to sell the house but we want the XXXX applied to the balance I wrote emailed an faxed several letters XX/XX/XXXX an  XX/XX/XXXX to RMS asking was they going to apply the money? their Attorney 's do not rec calls or talk to any one I was told. I rec a letter in XX/XX/XXXX an XX/XX/XXXX saying the was doing an Inquiry in to the situation. I never heard anything. I then rec a letter XX/XX/XXXX stating we would be foreclosed on XX/XX/XXXX. we then heard from XXXX XXXX 3 days later thru our Probate Attorney. I was told they couldn't foreclose because we was in Probate. an heirs are allowed 6 mos. 
1 ) Reverse Mortage Solutions received payments they haven't acknowledged an attempted to Illegal Foreclose.

2 ) RMS stated in Court before the Judge XX/XX/XXXX. I could refinance the Loan. Not true. you can not refinance a Reverse Mortgage 3 ) RMS also stated they applied the XXXX ( while in Bankruptcy XX/XX/XXXX ) the money was applied to fees an interest. Not true. 
4 ) RMS didn't honor my Mother ( XXXX XXXX XXXX ) wasn't to make payments heirs suppose to make payments. 

I rec monthly statements from RMS an alledging XXXX dollar loan. The balance is now XXXX. The balance clearly hasn't decreased with payments from XXXX. 
Im attempting to sell her home of 50 yrs. Im aware I must seek an Attorney. RMS is unethical, illegal. I personally have witness 5 people in our neighborhood that Reverse Mortage illegally took their homes. 
I would like for you all to inform them that what they've done Illegal. 
I would like a pay off statement with all payments attached Including RMS adding Insurance after they was informed WE had insurance I have Bank Statements etc. 
Please stop RMS from treating the Elderly an their families this way. 
Please contact me for forms receipts Bank statement whatever you need to confirm my accusations. 
XXXX XXXX excutator of Estate then Daughter. 
Email : XXXX Cell : XXXX XXXX XXXX XXXX XXXX