davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-16
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. (NY)

While checking my most recent credit report I noticed credit inquiries that I did not authorize that was make by the following company. 
XXXX ) XXXX XXXX XXXX ) XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair credit reporting act section 1681b ( c ) and a serious breach of my privacy right
Consumer complaint received 2020-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BB&T CORPORATION (MS)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Account XXXX XXXX Subject : Final Request for Correction of Credit Information Before Formal Complaint Dear [ XXXX ] : I am writing to you once again regarding the inaccurate information on my credit report related to incorrectly reported late payments on my credit card account number Re : Account XXXX XXXX Despite my previous letters dated [ XX/XX/XXXX ] and [ XX/XX/XXXX ], I have not received confirmation of the correction, nor have I observed any changes in my credit report. 

According to the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, you are obligated to correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of the information contained in consumer files. Additionally, 15 U.S. Code 1666b requires creditors to send periodic statements with the necessary information at least XXXX  days before the payment due date. Non-compliance with this regulation has resulted in the appearance of late payments on my credit report, adversely affecting my credit score. 

This is my final request for a reinvestigation and correction of the inaccurate information related to these late payments on my credit report. Attached are copies of the previous correspondence and any additional documentation necessary for your investigation. 
Details of the affected payments are as follows : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX If the necessary corrections are not made within XXXX  days of receipt of this letter, I will proceed to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider other legal actions necessary to protect my rights. 

I expect to receive written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cc : CFPB FTC States Attorney General
Consumer complaint received 2024-07-16
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. (IL)

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 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Experian is stating that my credit had to be decreased by XXXX due to some delinquency with some sort of payment. However, it's not showing and I can't find anywhere I've been delinquent with any payments at all so I need some assistance to remedy this matter. I feel as though there's some false information being reported on my Experian credit report since I've recently removed the freeze/lock from them. Please advise, Thank you.
Consumer complaint received 2024-07-16
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)

I WAS CHECKING MY CREDIT REPORT AND ARE SOME ACCOUNTS WHICH IS NEVER BELONG TO ME. THE INFORMATION IS NOT RELATED TO ANY TRANSACTIONS MADE BY ME. IT LOOKS LIKE SOMEONE HACKED MY PERSONAL INFORMATION. THESE ACCOUNTS ARE FROUD
Consumer complaint received 2024-07-16
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. (FL)

The current issue involves an incomplete and inaccurate credit report from XXXX Experian and XXXX, which has severely impacted my ability to obtain credit. Despite attempts to verify and resolve dispute the matter, the report accessed from XXXX 's Experian and XXXX website displays no information, like XXXX account that was resolved XXXX  that was paid and inquiries that I did not make resulting in denials for credit applications, The only degrees that should be on my credit are the ones that I knew I was going to get a approval for. This issue urgently needs resolution as it is significantly disrupting my financial affairs and hindering access to essential credit services.
Consumer complaint received 2024-07-16
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. (LA)

I am writing to express my concern regarding the disputed accounts on my credit report. Despite multiple attempts to address inaccuracies in these accounts and consistent requests for thorough investigations, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life.

The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay.

With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. 

Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-07-16
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. (FL)

I reviewed my Consumer Reports and noticed that I had three late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 

I have never been late on payments for the account : XXXX XXXX. Account Number : XXXX. Please investigate and provide proof with statements showing that these payments were late. If evidence can't be provided I demand these payments be updated on time as they should be as I was NEVER late. 

Thank you.
Consumer complaint received 2024-07-16
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. (AL)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I hereby certify that the preceding statement is truthful and accurate to the best of my knowledge, under penalty of perjury ( as defined by US law, if executed outside of the US ). Furthermore, I certify that I am permitted to submit this disagreement under both federal and state law. I understand that intentional deception or omission of material information is punished as a federal crime under 18 U.S.C. 1001 and as a felony under 18 U.S.C. 1621 for perjury. My credit report contains collection entries that have nothing to do with transactions I started. Financial institutions are prohibited from disclosing information to third parties under 15 USC 6802 ( 1 ) ( a ) ( b ) ( c ) unless I get written approval. There is a violation here! Private information was disclosed by the original creditor, which led to the opening of illegitimate accounts. The Federal Trade Commission is currently looking into these issues. In the event that this account is not promptly removed from all three of my credit reports, I will take legal action against your organization for allegedly providing incorrect information on my credit report.
Consumer complaint received 2023-05-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Kohn Law Firm S.C. (IL)

KOHN LAW FIRM, XXXX WI REPORTING TO CFPB AND FILING A COMPLAINT STATE ATTORNEY I now have proof of being harassed by Kohn Law Firm at my job causing me issues at my Employment. I have reported this account fraudulently numerous times. Provided paperwork and notary confirming. There is no signature or real validation that this XXXX Account was ever mine. Been fighting for three years now. I am now filing a full complaint ; with proof I was called at employment. 
Pictures are of my work phone, Kohn Law firm XXXX. This is my office/desk.
Consumer complaint received 2024-07-16
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. (GA)

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 2024-07-16
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. (CA)

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-07-16
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. (CA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credence Resource Management, LLC (MS)

XXXX and XXXX failed to mark the account as disputed per XXXX The dates of last activity is reporting different XXXX reports XX/XX/2024 while XXXX reports XX/XX/2024, which is a violation of fcra 605c running of the period The balance owed and High is reporting difference. XXXX and XXXX reports XXXX owed {$740.00} and High balance {$740.00}
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH capital 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 ( 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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-07-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (MI)

To Whom This May Concern, CREDIT COLLECTIONS I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not recieve proper notification. If in fact you believe that I received proper notification, please provide the certified mail with a receipt with my signature on it stating that I received it.

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) The collection agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report.

Collection agency has no authority to furnish any account to a consumer agency without providing any and all disclosures required by law, and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) The collection agency is violating my consumer rights by using false misleading, misrepresentaion and deceptive means.

I am disputing owing any and all depts. I am also revoking all rights of them ( CREDIT COLLECTIONS ) communicating with me through email/text/calls. I would also like to request the purchase agreement between CREDIT COLLECTIONS and the original creditor. Along with furnishing proof of license and bonded.

Also 15 USC 1692 ( c ) states that without the prior consent of the consumer given directly to the collector or the express permission of a court of competent jurisdiction a collector may NOT communicate with a consumer in connection with the collection of any debt. 

THIS IS IN FACT A VIOLATION OF MY HIPA RIGHTS
Consumer complaint received 2024-07-16
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. (IN)

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 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting Act XXXX the following accounts has violated my rights. 
XXXX XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX. U.S. Bankruptcy XXXX XXXX Reference # XXXX XXXX. U.S. Bankruptcy XXXX XXXX Reference # XXXX 15 U.S.C. 1681 Section 604 A States : I have the right tp privacy.

13 U.S.C. 1681 Section A Section 2 : States a consumer reporting agency can not furnish accounts without my written instructions.
Consumer complaint received 2024-07-16
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. (OH)

I am writing to dispute these fraudulent charges on my accounts. I am a victim of identity theft, and I did not make this charge. I am filing this complaint for myself not anyone else. Remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the accounts. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.
Consumer complaint received 2024-07-16
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. (OH)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-07-16
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)

This account was charged off on the following date : XX/XX/year> : Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should include an active payment history. This inaccurate information falsely manipulates the statute of limitations and investigate this account properply after I asked you to do it twice and your neglect violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX Account Number : XXXX.