davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

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

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

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

Delete the late payments from my consumer reports
Consumer complaint received 2023-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$6800.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$710.00} ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX.
Consumer complaint received 2024-06-30
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 just looked at my Experian credit report on XX/XX/year> and noticed a hard inquiry on my credit report that doesn't have a permissible purpose according to the Fair Credit Reporting Act. Anything furnished on my consumer report must have a permissible purpose according to 15 USC 168 1B. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, NV XXXX XX/XX/year> Account Number : # XXXX Phone Number : XXXX Amount : {$1300.00} Please delete this hard inquiry because it doesn't have a permissible purpose according to 15 USC 1681 B.
Consumer complaint received 2024-06-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

Doing an investigation on my credit report, I found several items on there to be inaccurate. Any inaccurate information shall promptly be removed per 15.U.S. Code 1681 The following accounts and personal info are not being reported correctly. Please remove them : Personal information XXXX XXXX XXXX XXXX NC XXXX ( not my address Please remove ) XXXX XXXXXXXX ( wrong information reported please remove ) XXXX XXXXXXXX ( wrong information reported please remove ) XXXX XXXXXXXX ( wrong information reported please remove ) XXXX XXXX XXXX ( wrong account information please remove ) XXXX XXXX XXXX ( wrong account information please remove ) XXXX XXXX account ( wrong account information please remove ) XXXX XXXX account ( wrong account information please remove ) XXXX XXXX account ( wrong account info please remove XXXX XXXX  account ( wrong account information please remove ) XXXX XXXX account ( wrong account information please remove )
Consumer complaint received 2024-08-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to follow up on unresolved discrepancies within my credit report. Despite previous communications and a complaint filed with the Consumer Financial Protection Bureau ( CFPB ), these issues remain unaddressed. Immediate attention to these inaccuracies is required as they are causing significant distress and potential financial harm.
Consumer complaint received 2024-06-30
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. (PA)

Any consumer reporting agency that furnishes a consumer report that contains information regarding any case involving the consumer that arises under title 11 shall include in the report an identification of the chapter of such title 11 under which such case arises if provided by the source of the information. If any case arising or filed under title 11 is withdrawn by the consumer before a final judgment, the consumer reporting agency shall include in the report that such case or filing was withdrawn upon receipt of documentation certifying such withdrawal.

( e ) Indication of closure of account by consumer If a consumer reporting agency is notified pursuant to section 1681s2 ( a ) ( 4 ) of this title that a credit account of a consumer was voluntarily closed by the consumer, the agency shall indicate that fact in any consumer report that includes information related to the account. 

( f ) Indication of dispute by consumer If a consumer reporting agency is notified pursuant to section 1681s2 ( a ) ( 3 ) of this title that information regarding a consumer who 2 was furnished to the agency is disputed by the consumer, the agency shall indicate that fact in each consumer report that includes the disputed information. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-30
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)

XXXX  XXXX credit card was paid in full and closed.showing up on credit as derogatory when account should be showing paid. Aditionaly acct start date is wrong, payment status is wrong, credit limit wrong, opened day is wrong.
Consumer complaint received 2024-06-30
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. (NH)

I am writing to formally dispute the furnishing of my personal information by your agency, as it has been done without my explicit written consent, in violation of the Family Educational Rights and Privacy Act ( FERPA ), specifically 20 USC 1232g.

Account name : XXXX XXXX  Accounts numbers : XXXX ) XXXX and XXXX ) XXXX As per FERPA, educational institutions must have written consent from a student before disclosing any personally identifiable information from their education records. I have not provided any written consent to [ Credit Reporting Agency Name ] to furnish my personal information to any third parties. Therefore, the dissemination of my personal information without my permission constitutes a clear violation of FERPA.

I request that you immediately : 1. Investigate this matter and provide a detailed explanation of how and to whom my personal information has been furnished.

2. Cease any further dissemination of my personal information without my explicit written consent.

Enclosed are copies of my identification documents to assist in your investigation.
Consumer complaint received 2021-05-13
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 — Their investigation did not fix an error on your report
Company: Kikoff Inc. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2024-06-30
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. (AZ)

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 NOT include an active payment history. This inaccurate information falsely manipulates the statue of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account. 
XXXX XXXX
Consumer complaint received 2024-06-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I am exercising my right to have this disputed and investigated because these accounts are incorrectly reported on my credit file. According to the Fair Credit Reporting Act, I am entitled to {$1000.00} for each erroneous report on my credit file. I understand that FCRA 605B mandates reporting any inaccurate accounts on a consumer 's report.
Consumer complaint received 2024-06-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 U.S.C. 1681 section 602 states I have the right to privacy. 15 U.S.C. 1681 section 604 ( a ) section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C. 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. Furthermore this is also a violation of the Privacy Act of 1974. I, the consumer have informed the credit agencies and the creditor that per the FCRA as a federally protected consumer I am opting out of any and all authorization i the consumer may haven given them written, non written, verbal and non verbal per 15 U.S.C. Section 6802 and 16 C.F.R. 313.7 ( f ). The creditor has failed to respond to my request for validation, notice of billing error, to provide an application and promissory note, to provide me with full accounting and to answer if this account is a loan. According to XXXX XXXX XXXX this alleged collection is not the result of a credit transaction and should not be on I, the consumers consumer report. Also it should be noted that I, the consumers identity was stolen and used to create credit unknown to me the consumer and this creditor has refused to provide me the consumer any information about the transaction. It is my opinion that XXXX XXXXt is a rush to judgement into a default judgement which is against the law and it is also a violation of Constitutional due process. Who received the loan? Why is the terms 0 months? And what was the original loan amount that was received because I the consumer didnt receive any funds from the transaction. Without this creditor providing me, the consumer valid and relevant information I, the consumer have no other ways to understand what, who and why this alleged debt exists. This creditor and the credit agencies have damaged my reputation with the banking industry thus hurting my ability to get good interest rates and be approved for credit. This is not full transparency. Please investigate this issue post haste so I can collect more information to file a police report etc. and remove this inaccurate and false information from my consumer report. I would also like the method of verification used to verify this alleged debt and I want the original wet ink signature contract showing my, the consumer signature on it that is supposed to be on file. Be advised that per 15 U.S.C. Section 1681 ( n ) the alleged creditor and the credit agencies that it is {$1000.00} per violation. Respectfully.
Consumer complaint received 2023-07-18
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

I applied for borrowers defense thru the department of education. It was approved in XX/XX/2023 and refunds were sent out. Along with getting a refund for money paid towards these loans the loans are to be deleted from my credit report. I've contacted XXXX directly multiple times by phone and email they refuse to delete the loans on my credit report. They in fact started emailing me demanding payment after I submitted my approval application letter. They call me every other day demanding payment as well. I tried to dispute it thru credit reporting companies and they still refuse to delete it. They've now added comments to my credit report stating the loan is accurate and it's in deferment that's now messed around with my credit.
Consumer complaint received 2024-06-30
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 the company and i was never late! I have had exceptional payment history with this company 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.

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 2024-06-30
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. (NH)

am writing to formally dispute the furnishing of my personal information by your agency, as it has been done without my explicit written consent, in violation of the Family Educational Rights and Privacy Act ( FERPA ), specifically 20 USC 1232g.

Account name : XXXX Account number : XXXX As per FERPA, educational institutions must have written consent from a student before disclosing any personally identifiable information from their education records. I have not provided any written consent to [ Credit Reporting Agency Name ] to furnish my personal information to any third parties. Therefore, the dissemination of my personal information without my permission constitutes a clear violation of FERPA.

I request that you immediately : 1. Investigate this matter and provide a detailed explanation of how and to whom my personal information has been furnished.

2. Cease any further dissemination of my personal information without my explicit written consent. 

Enclosed are copies of my identification documents to assist in your investigation.
Consumer complaint received 2024-06-30
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)

On XXXX XXXX, 2023 I should pay at least the minimum balance ( {$80.00} ) because it was the due date. I paid the balance ( {$190.00} ) on XX/XX/XXXX, 2023.This company ( XXXX XXXX XXXX XXXX ) still reporting to the credit bureaus a XXXX  days late payment, that is incorrect because I paid XXXX  days late. I always have been a customer in good standings with them, actually the recently approved me for their graduated credit card.
Consumer complaint received 2023-10-03
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

I gave back a XXXX XXXX XXXX back in XX/XX/XXXX to XXXX of XXXX XXXX. It was given back as a early lease return. Never heard anything back from the finance company, which is Toyota Motor Leasing. I saw on my credit bureau that it is showing as open and current. That I am paying as agreed. That is false. It specifically states that the last payment was made in XX/XX/XXXX. I haven't made a payment since XX/XX/XXXX when the vehicle was returned. This makes it look like I am still driving the vehicle and making current payments. When I contacted Toyota Motor to have them fix the information being reported, they stated that the account is no longer their 's. They sold it to a collection company by the name of XXXX XXXX XXXX XXXX. Never heard of these people. Toyota said that in their records this account is closed and that they can not speak to me at all about it. I have to contact XXXX XXXX I stated to them that if they sold the account to a collection company then how can they still report it as being open and lie saying that I am currently making payments. They stated that would contact the credit bureus to reflect the account as being closed, not open. I asked then to send me the proof. A cancelled check. A debit card payment. Any proof to show that I have been making payments. They never did because it is not true. I have did numerous disputes through all XXXX bureaus to fix this problem. The credit bureaus didn't understand neither why it's showing as open and Pays as Agreed '' when it specifically states last payment made was XX/XX/XXXX. Even that is wrong because the vehicle was given back in XX/XX/XXXX. I need someone to help me. It seems like nobody wants to help the consumer. The creditors are always right even when they are wrong. The credit bureaus don't request any proof when sending disputes. They just send the dispute. Even if the creditor responds back as accurate, they don't ask for proof. So it's like the creditors are correct at all means. This is why there is so much fraud going on. This is why I had a fraud alert put on my bureaus because someone used my information and the credit bureaus did nothing about it. Till this day Toyota has not sent the proof that I am currently making payments. They last reported on XX/XX/XXXX that I made a payment on XX/XX/XXXX. I would like if someone can help me. I have sent over 4 disputes through all 3 credit bureaus. Toyota keeps denying and reporting that I am still making payment. But will not send me proof nor send proof to the credit bureaus. This false information is hindering my life. How can Toyota and XXXX XXXX try to get money from me for the same account. If Toyota sold the account to the collections company then it should be showing as closed on the bureaus, not open. Because it's not open. It should not be showing current payments being made because the last payment was in XX/XX/XXXX.