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

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of in accurate or unavailable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information dispute 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 result 's of the investigation, and ( I ) promptly notify the furnisher of that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report immediately. 
XXXX XXXX
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I am writing to formally request the removal of incorrect addresses from my credit report. Specifically, I have identified the address XXXX XXXX XXXX XXXX, XXXX, GA XXXX, among others, which have never been associated with me in any capacity. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain accurate information. As per Section 611 of the FCRA ( 15 U.S.C. 1681i ), if a consumer disputes the completeness or accuracy of any item of information contained in their file, the credit reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if it is found to be inaccurate or unverifiable. 

I have made multiple attempts in the past to have these incorrect addresses removed from my credit report, yet they continue to appear. I am providing the following details to facilitate your investigation and prompt correction of my file : Incorrect Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX
Consumer complaint received 2024-06-06
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)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-07
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 did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXXXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-05-31
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (FL)

On XX/XX/XXXX, we sold and closed on our home and the title company accidentally sent the wrong amount ( {$9200.00} instead of {$340000.00} ) to lender ( Loan depot ). They wired the amount to the payoff dept ; however, it was applied incorrectly to escrow and mortgage and not the principal without any notification to us or the title company. 

I am closing on the new house so on XX/XX/2023, the new lender, is asking for document showing loan has been payoff, nevertheless this is when it was identified the title company did not send remainder of funds. 

When I notified title company, I had both Loan depot rep and title company on three way discussing amount to send for payoff which was sent the same day. On XX/XX/XXXX, I called again to verify if wire was received. I spoke to XXXX, a customer service supervisor, and told me the payoff was short, I asked why, and he stated first monies that was wired was applied to mortgage and escrow and he has sent a request to correct it. However, it won't be fixed until Tuesday XX/XX/XXXX because of the XXXX Holiday. 

Again, I called today and told, it is now short because of Loan Depot applying incorrectly. It has now been 4 day and still no resolution. No one has taken initiative and communicate to the right party in the cash department to resolve this. 
Please help we are running out of time.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, 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. (IN)

Subject : Request for Removal of Unauthorized Late Payments in Accordance with Applicable Laws Dear [ CFPB AND CREDIT BUREAUS ] Customer Service, I hope this letter finds you well. I am writing to bring to your attention a matter that requires immediate resolution. I have recently discovered unauthorized late payments on my account, which I believe are in violation of the four laws established to protect consumers ' rights. 

The unauthorized late payments in question occurred and I would like to request their immediate removal from my account in accordance with the following laws : 1. Fair Credit Reporting Act ( FCRA ) : This legislation ensures the accuracy, fairness, and privacy of information reported by credit reporting agencies. The unauthorized late payments are inaccurately reflecting on my credit report and must be rectified promptly. 

2. Fair Debt Collection Practices Act ( FDCPA ) : As a consumer, I am entitled to fair treatment by debt collectors. The unauthorized late payments were not authorized by me and should not have been reported to any credit bureaus.

3. Truth in Lending Act ( TILA ) : This act provides protection to consumers in credit transactions by requiring clear disclosure of terms and costs. The unauthorized late payments were not disclosed or agreed upon in any contractual agreement. 

4. Electronic Fund Transfer Act ( EFTA ) : This act safeguards consumers in electronic fund transfers, including unauthorized transactions. The late payments were not authorized by me and therefore should be considered unauthorized electronic transfers. 

I kindly request that you investigate this matter and take the necessary steps to remove the unauthorized late payments from my account and correct any negative impact on my credit score as a result of these inaccuracies. I expect a written confirmation of the actions taken to rectify this situation within 30 days of receiving this letter. 

If necessary, I am prepared to take further action to protect my rights under the aforementioned laws. I hope we can resolve this matter amicably and promptly. 

Please feel free to contact me at [ Phone Number ] or [ Email Address ] to discuss this matter further or to provide any additional information you may require. 

Thank you for your attention to this matter. I look forward to a timely resolution. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-06
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. (CT)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy.
Consumer complaint received 2024-06-07
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: Experian Information Solutions Inc. (NY)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-20
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)

Under the Fair Credit Reporting Act, XXXX  Account XXXX for XXXX XXXX has violated my rights. 

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 also states that a consumer reporting agency can only furnish an account with my written instructions. 

I have enclosed copies of the letters I sent to the credit agencies, the credit agencies ' responses, a full copy of my credit report, and the discrepancies that the different credit agencies show on the Account.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXXXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-06-07
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 am submitting this complaint myself, and to inform you that I was a victim of an Identity Theft. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. These items should be deleted as a confirm of derogatory nor negative in my credit file. It seems impossible to consider as mine the fact they doesn't belongs to me. Kindly help me delete these following items : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX  XXXXBalance : {$0.00} XXXX  XXXX  XXXX Balance : {$0.00} XXXX  XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$160.00} EXPERIAN XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXXBalance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-06-07
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 sent a letter last XX/XX/XXXX to delete all negative items in my credit file that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove all these information not later than 4 business days. Ive already included this in my previous complaint & I am including it againXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-06-07
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)

As a Consumer, my rights have been violated according to the Fair Credit Reporting Act. * 15 USC 1681 section 602a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. * 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. * 15 U.S. Code 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. I have never been under contract with this creditor, I insist this creditor XXXX XXXX XXXX XXXX XXXX close and remove this late negative charge from my account. I was never under contract with this creditor.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

My account with ( CREDITOR NAME ) 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 ( 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.

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

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

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

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-07
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)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud
Consumer complaint received 2024-06-07
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. (MD)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with EXPERIAN COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-06-06
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. (PA)

Companies are furnishing false information on my consumer report. This has negatively affected my ability to obtain lines of credits from lenders. Also Pa statute of limitations prevents charged off account from reporting after 7 years. These negative items are unlawfully being furnished on my report.
Consumer complaint received 2024-06-07
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. (NC)

Why until now these negative accounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.
Consumer complaint received 2024-06-07
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. (NY)

On XX/XX/year> I sent a Notice of dispute to the credit reporting agency via mail to the address they provided to send disputes to. I had not received any results for that dispute and on XX/XX/year> I sent another Notice indicating that the results should have been rendered according to FCRA 15 U.S.C. 1681i ) a ) 1 ) A ) also violating 1681i ) a ) 1 ) B ). Both Notices are attached. As well as certified mail tracking for the Second Notices sent which contain both the first notice and second notice.
Consumer complaint received 2019-07-23
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/XXXX a XXXX representative called me to alert me that my payment was late. I was surprised since I thought my account was on auto pay and since I was on paperless statements I had no indication that my payment was late. With learning of my oversight, I immediately paid my accounts full statement balance. I regularly pay my full statement balance. I keep close track of my FICO score and several weeks later my score took a huge plunge by over 50 points. Upon checking my credit reports, I learned that XXXX filed a 30 day late with the three credit bureaus. On XX/XX/XXXX I wrote XXXX customer service department and asked for a GOODWILL REMOVAL OF LATE PAYMENT since the reporting had a devastating effect on my credit score. Upon researching this topic I learned that a company does have the ability to remove a 30 day late reporting, it is called a GOODWILL REMOVAL OF LATE PAYMENT if they choose to do so. On XX/XX/XXXX XXXX customer service and operations center replied stating that their reporting was accurate and they would not be taking any other action. On XX/XX/XXXX I wrote to president of XXXX explaining my oversight and asked for a GOODWILL REMOVAL OF LATE PAYMENT as I had been a MVC ( Most Valued Customer ) since XXXX. On XX/XX/XXXX I received a reply from XXXX stating that their reporting was accurate meaning they will not remove the 30 day late reporting to the credit bureaus.