davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

My rights enacted by the FRCA, FBCA and Privacy Act are in violation by the unaffiliated 3rd party ( s ) this complaint is going to. For items that have been placed on my credit report. I have included attached documents of these items. As per 15 USC 6802 ( b ) and ( c ). I was never provided the knowledge of the opportunity to opt-out of my personal information being reported. I then was also not provided knowledge and instructions on how to opt-out of my personal information being reported. In addition I have late payments that are being listed that were never verified and violated my rights per 15 USC 1666b. Both the credit furnisher and reporting agencies are in violation of these acts. They are unable to provide adequate verifiable proof. Which has also been attached in the documents uploaded, providing exact types of acceptable proof to have it considered verified. Lack of this acceptable proof based on the claim is lack of Corporate Compliance and a crime. If the proper recordings matching the letters are not rectified within 30 days and updated immediately with proof of the update. I will next exercise my rights to take legal actions. Since both parties are currently the acting fiduciary agents over my entrusted interests and information. 
I will take this to federal court to seek the highest claim of the Federal Reserve Act Section 29.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the items that I am asking you to verify as accurate. XXXX XXXXXXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My account with XXXX XXXX XXXX  XXXX was never late! I have had exceptional payment history with XXXXXXXX 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 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 XX/XX/XXXX to XX/XX/XXXX 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 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 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the items that I am asking you to verify as accurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) Experian was required to block the reporting of any information in my file that I have identified as information that resulted from identity theft, not later than XXXX business days of receipt. 
On XX/XX/year>, I called in a dispute regarding fraudulent information on my Experian credit report and requested a block of the information, namely XXXX XXXX XXXX. Experian said that it would not provide me with a dispute case number and would investigate in XXXX days and not provide me with the statutory XXXX day block. Pursuant to the above statute, Experian is required to block the information on or before XX/XX/year>. 

I have provided XXXX separate proper identity theft reports to Experian pursuant to 15 U.S.C. 1681a ( q ) ( XXXX ), yet Experian has communicated to me that it intends to fail in blocking the inaccurate information and will continue to publish the inaccurate information in violation of FCRA XXXX ( 15 U.S.C. 1681c-2 ). Experian continues to publish and disseminate such inaccurate information to other third parties, persons, entities and credit grantors in violation of the FCRA. 

Experian has denied my request and my right to immediate action by blocking and deleting the above information on my credit report resulting from identity theft within XXXX business days.
Consumer complaint received 2024-06-10
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)

I contacted the FTC The attorney general And also the XXXX  This account titled XXXX on my consumer report was acquired threw deception and fraud This account must be blocked immediately in pursuant to section XXXX under the FCRA And none of these consumer reporting agencies Have fixed the issues
Consumer complaint received 2018-05-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (IL)

I have contacted the court house in my state in regards to 2 separate bankruptcies on my credit report reference XXXX report date XX/XX/XXXX and also reference XXXX report date XX/XX/XXXX. They responded stating they dont verify bankruptcies. I submitted documentation to all 3 credit bureaus and was able to have the the bankruptcies removed from XXXX however Equifax and XXXX it is still reporting. These bankruptcies do not belong to me and should be removed from my reports
Consumer complaint received 2023-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (PA)

On Monday XX/XX/2023 I deposited my work check {$330.00} at the TD bank on XXXX XXXX in XXXX. The money went through and was in my account on Tuesday. It was there when I went to bed. I paid a {$110.00} XXXX  credit bill and a {$63.00} XXXX credit card bill. I also withdrew XXXX $ to have cash and sent a friend XXXX $ for food along with a {$12.00} XXXX ride as I the money was in the account. The check was cleared. It was my money. There still shouldve been over {$110.00} on top of my tax refund from XXXX XXXX XXXX block of {$150.00} I checked my phone bank and instead I was at a - {$130.00} or XXXX before they credited me 15 as the negative charge was not my fault. I called the back asking about a negative charge for the amount of the check they claimed did not go through the federal reserve. I asked why they cleared the money to my account then and let me spend. The said theyd clear in good faith. That makes no sense. Sounds like its between the employee bank XXXX and them. However, I contacted my employer and she sent a screenshot of bank statement and contacted her bank saying it went through. Her name is XXXX XXXX and the company is XXXX XXXX XXXX in XXXX PA XXXX. The bank took my refund and my money and still says I owe more. They are sending a non fed check. Between the employer and both banks I cant say who needed it but all I did was delay y check, wait till it cleared to pay some bills have dinner with a friend and his son and now no one wants to be responsible for the money I worked for. I now have negative money untill I start and get paid.
Consumer complaint received 2024-06-10
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)

If there are any inaccuracies or incomplete information regarding my accounts, judgments, liens, balances, payment history, late payments, account history, or any other details in my credit report, I request that you promptly correct or remove those items from my credit file in accordance with the Fair Credit Reporting Act.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to file a formal complaint against XXXX  XXXX concerning their violation of 15 U.S.C. 1666b, which pertains to the timely delivery of periodic statements for open-end consumer credit plans that was violated by XXXX XXXX. 

Here my XXXX  XXXX info : XXXX  XXXX Account XXXX -Date of Late Fee Assessed : ** XX/XX/year> and XX/XX/year> XXXX  XXXX assessed a late fee on my account, stating that my payment was late. However, according to my records, I have never received the periodic statement which did not provide the required 21 days before the payment due date as mandated by 15 U.S.C. 1666b. 

I have attempted to resolve this matter directly with XXXX  XXXX by requesting the removal of the late fee and proof of compliance with the statutory requirement. To date, I have not received a satisfactory response, nor have they provided the requested proof that the statement was mailed or delivered in accordance with the law. 


According to 15 U.S.C. 1666b ( b ), 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 adopt reasonable procedures to ensure that each periodic statement is mailed or delivered to the consumer not later than 21 days before the payment due date. In this instance, XXXX  XXXX failed to meet this requirement, resulting in an unlawful late fee and potential negative impact on my credit report. 


Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue. 

Sincerely,
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-06-10
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. (MO)

Hey, I went over my consumer report, and I noticed some hard inquiries that I didn't authorize, or I do not have knowledge of. I have called several times and let the credit reporting agencies and the companies know that the inquiries in the document included below are fraudulent and they have yet to be removed. They are not to supposed to be visible on my credit report. I never gave them permission nor written consent to report or to authorize the inquiry. By law this is aggravated identity theft. 18 U.S. Code 1028A
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

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.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

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 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

With XXXX XXXX  a fraudulent check was deposited into my account via mobile deposit which wasnt made by me my login information was compromised my phone which is unlocked with no password was lost and stolen and I had to get a replacement phone and after that happened fraudulent activities has occurred on my account and now visions XXXX  has reported that debt as a collection on my report and it dose not belong on there and it wasn't done by me because as I stated I was a victim of identity theft.I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act.There saying I owe {$430.00} which there's no way I'll owe that if I never withdrawed that out of the account please remove this unlawfully charge off immediately off my credit reports.
Consumer complaint received 2019-07-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P. (GA)

I went to an ER in Florida in XXXX. I WAS NEVER SEEN by doctor 's. I spent months writing/filing complaints. XXXX XXXX told me that they had deleted the debt. 

This year in XXXX a debt popped up on my Credit stating it was from XX/XX/XXXX. They are also showing late payments every month. I immediately requested documentation and disputed this information. 

This debt was already removed from my credit reports TWICE! I have NEVER received any written communication from this debt collector even upon requesting it, and when I called the company they sent me to a voicemail. All I have is their phone number. 

They are violating re-aging laws and HIPPA.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Please take a look at the attached letters and ID docs for verification that it is XXXX 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 2024-06-10
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 show a bankruptcy on my credit report. I contacted the court and they said they didn't furnish any information to the bureaus. It is clear they do not report to you or any credit bureau for that matter ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

PLEASE BLOCKED AND REMOVED. 
I did not authorize the creation of these accounts and have suspicions regarding their legitimacy. I kindly ask that you conduct a thorough review and expeditiously remove them from my credit report.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, 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 in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2023-05-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (GA)

My complaint is about my current mortgage service Selene, Selene took over the servicing of my mortgage loan in XX/XX/2022 from XXXX. Before the transfer took place I had a mortgage modification with XXXX and I was paying as per the agreed amount but when the loan servicer changed i only got a letter from XXXX that I should send my mortgage from XX/XX/2022 to Selene with the new address and loan number given. 
I made all payments accordingly every month but things took a different turn when I got a call in XXXX of XXXX  from my husbands bankruptcy attorney that he got a correspondence from Selene that I defaulted on my loan I was shocked and asked him to forward me the correspondence, I then contacted Selene that I wasn't privy to the change in amount that I didn't get any correspondence from them neither a phone call and the attorney they contacted was not my attorney and I wasn't why they contacted him, they told me they didn't have my contact info but I was concerned about the answer because XXXX had my updated contact info and why wasn't same transferred to them. 
They then said they will need me to file another modification which I did but the new mortgage amount was like twice the amount I agreed with XXXX and when I told them the amount was too high the agent that called me said they will begin foreclosure proceedings. 
I have attached all the evidence of the payment I sent to them in the period they said I was behind in my agreement.
Consumer complaint received 2024-06-10
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. (AL)

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX