davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

My account with ( XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on

Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in ( 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 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 2024-06-13
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. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced
Consumer complaint received 2024-06-13
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. (NC)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-06-13
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. (DC)

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. 

Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2024-06-13
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. (GA)

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. 

Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2024-06-13
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (NY)

I had filed a complaint with the CFPB against XXXX XXXX XXXX as they were attempting to collect a debt I did not owe ( XXXX XXXX XXXX  ) and failed to provide information as required under FDCPA, but they did address incorrect credit reporting. However, it appears XXXX XXXX XXXX has since sold the debt to yet another debt buyer, to CREDENCE RESOURCE MANAGE ( this is how their name appears on my credit report ). This new debt buyer is trying to collect on the same debt that I do not owe, and the previous debt buyer likely violated FDCPA and other credit reporting and collection rules by selling/transferring this debt. This has risen to the level of harassment, possibly rule violations related to these debt buyers ' collection tactics. I have advised this is not my debt, I even called the alleged original creditor ( XXXX XXXX XXXX  ) as I was worried about identity theft, but they could not find me in their system as ever having an account. In fact, as I have explained to the previous debt buyer, I have never had an XXXX XXXX XXXX  account of any kind, I have never owned an XXXX, and I have never lived at the alleged address associated with the debt.
Consumer complaint received 2024-06-13
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 had a HELOC with XXXX XXXX, account XXXX. This loan was fully paid back at the closing of my house sale on XX/XX/XXXX. I received a statement saying I owe {$130.00}. That is incorrect. However I paid it. 

My credit reports show XXXX late payments and that the mortgage is not paid off when indeed it is. 

I would like a refund of the {$130.00} per statement XX/XX/XXXX and my credit report cleared of these XXXX late payments and that the mortgage is not paid. 

This is killing my credit score, please fix it. 
XXXX XXXX
Consumer complaint received 2023-10-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NJ)

Ive made numerous attempts to review this item on my credit report. This is a medical collections, this is being reported incorrectly. This is a HIPPA violation. My personal information was stolen I have no knowledge of this debt. 


- XXXX XXXX XXXX- {$930.00}
Consumer complaint received 2024-08-04
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. (NJ)

I am in disagreement with the account listed below which still appears on my credit report, even after your Investigation. 

I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

*Account Name : ** [ XXXX XXXX XXXXXXXX XXXX **Account Number : ** [ XXXX ] In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC. (NY)

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a significant issue I have encountered with my recently opened Santander bank account. On XX/XX/2024, I initiated the account opening process and promptly made several XXXX deposits to activate it. Subsequently, on XX/XX/XXXX, I have now transferred a total {$2500.00} from my Bank of XXXX account to my Santander account via XXXX. 

To my dismay, upon attempting to access and utilize these funds, I discovered that my Santander account had been inexplicably frozen or blocked. Despite multiple attempts to seek clarification and resolution by contacting Santander 's financial line, I was met with vague explanations and no immediate remedy. Even the suggestion of visiting a financial center in person to expedite the resolution was dismissed, with representatives confirming the frozen status of my account and potential delays extending for weeks. 

This situation not only disrupts my financial activities but also violates Generally Accepted Accounting Principles ( GAAP ), particularly the principles of timeliness and accuracy in financial reporting. Santander 's failure to promptly address this issue and provide clear justification for freezing my account constitutes a breach of these principles. 

I trust that the Consumer Financial Protection Bureau will investigate this matter thoroughly and ensure that Santander provides a satisfactory resolution to rectify the damages sustained.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

Experian XXXX XXXX Charge off investigation XXXX XXXX Code XXXX XXXX states A person XXXX not procure or cause to be prepared an investigative consumer report on any consumer unless it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested I requested an investigation on everything in my file in which Experian states everything is verified as accurate. I then requested the detailed investigation report on this closed XXXX XXXX XXXX off account negatively impacting my credit, which was sent out XX/XX/year> ( receipt for proof attached ) and as of this date XX/XX/year> I have not got a response or been shown how this account was verified. Please remove this XXXX XXXX XXXX off immediately. Thank you for your time
Consumer complaint received 2024-05-29
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

In XXXX, I entered into a commercial lease agreement for a property in XXXX XXXX XXXX, California. I fulfilled my lease obligations for approximately three years until the COVID-19 pandemic severely impacted my business operations due to the stay-at-home mandate implemented by the State of California. As a result, I was unable to complete the remaining 18 months of the lease term. 

These were unprecedented times. The nature of the pandemic had a severe impact on businesses. I believe the following legal doctrines may provide grounds for relief from my lease obligations : 1. XXXX XXXX : The lease agreement included a force majeure clause that should excuse performance due to extraordinary events beyond control, such as a pandemic. 
2. Frustration of Purpose : The primary purpose of the lease was frustrated as the business could not operate during the pandemic, making the continued use of the property impracticable.

3. Impossibility/Impracticability : The government-imposed restrictions made it impossible or highly impracticable to fulfill the lease obligations. 

In spite of the challenges I faced the landlord has sold my alleged debt to Fidelity Creditor Services under account XXXX and I have suffered years of misconduct. 
The collection agency has engaged in the following unfair and unlawful practices : XXXX. Re-aging the XXXX : The collection agency has re-aged the debt, marking it as opening in XX/XX/XXXX, which is inaccurate and misleading. 
XXXX. Inflated XXXX : The balance reported by the collection agency is significantly higher than the original debt without any justification or itemization. 
XXXX. Failure to Validate Debt : The collection agency has refused to provide validation of the debt or any proof of their right to collect the debt, in violation of the Fair Debt Collection Practices Act ( FDCPA ). 
XXXX. Inaccurate Credit Reporting : The collection agency has reported this inaccurate debt information to major credit reporting bureaus, damaging my credit profile without proper validation. 

The actions of XXXX XXXX XXXX constitute violations of the following : XXXX. Fair Debt Collection Practices Act ( FDCPA ) : The failure to validate the debt and the re-aging of the debt are clear violations of the FDCPA, specifically sections XXXX ( false or misleading representations ) and XXXX ( validation of debts ). 
XXXX. Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of debt information to credit bureaus without proper validation violates the FCRA, which mandates accurate and fair credit reporting.
Consumer complaint received 2016-01-16
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC. (AR)

I paid my daughters car off over 2 years ago. It was in my brothers name. He died XX/XX/2014. Then today they repossessed my car. She now does n't have a ride to college. My bank has the title. An they are sayin my bank did n't pay it off but they did.
Consumer complaint received 2024-06-13
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)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-06-13
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. (PA)

My recent credit report is showing unverified, and unauthorized inquiries as well as collections that I never had a chance to dispute. The inquiry is from XXXX XXXX, the collections are from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. By law I am owed proper credit reporting according to the FCRA. I am requesting debt validation for the collections because I never received written communication. In this debt validation I am asking for detailed list of my history of payments on these accounts, the original contract with my signature agreeing to pay these creditors, proof that you have a chain of title to collect on this debt, also asking to see if there had been insurance claims filed on these accounts. With out providing proof these accounts should be removed from Experian, XXXX, and XXXX immediately.
Consumer complaint received 2024-06-13
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. (GA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-06-13
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. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-06-13
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. (PA)

This account was charged off on the following date : XX/XX/XXXX 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 shouldn't include an active payment history. This inaccurate information falsely manipulates the statute of limitation. Please investigate this account properly after l asked you to do it TWICE and your neglect has violated my rights, I am demanding a deletion of the following account : Accounts : XXXX XXXX XXXX Account Number : XXXX This account was also removed from my report on XX/XX/XXXX and was added to my report again without notifying me in writing as required by law.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-06-13
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. (IA)

I am filing a complaint to inform you that you XXXX be in violation of the Fair Credit Reporting Act ( FCRA ) Section XXXX ( a ) ( XXXX ) ( 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.