davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (PR)

Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, IA XXXX Dear CFPB, I am writing to formally request your immediate assistance in resolving a critical issue concerning my credit report with Experian. An erroneous collection account has been reported, which does not appear on my XXXX and XXXX reports, indicating inconsistent and potentially damaging reporting practices. 

The account in question is as follows : Creditor : XXXX XXXX XXXX Original Creditor : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$560.00} Account Status : Derogatory Last Reported : XX/XX/XXXX This account is inaccurately reported and I have several points of contention : Inconsistent Reporting : This collection account is only reported by Experian and does not appear on my XXXX and XXXX XXXX. Such inconsistency is alarming and suggests a potential error in reporting by Experian. 

Lack of Detailed Information : The account details provided by Experian lack sufficient information to verify its legitimacy. There are no details on the date of last payment or the nature of the debt, making it difficult for me to validate or contest the account accurately. 

Negative Impact on Creditworthiness : The presence of this derogatory account on my Experian report is unfairly damaging my credit score and my ability to obtain credit. The lack of this account on other reports underscores its inaccuracy. 

Previous Dispute : I have already disputed this account directly with Experian but have not received a satisfactory resolution. Experian failed to provide adequate evidence to substantiate the legitimacy of this account. 

Urgency : Given the significant impact on my financial health, I request an immediate investigation and resolution within 30 days, as stipulated by the Fair Credit Reporting Act ( FCRA ). The prolonged presence of this inaccurate account is causing continuous harm. 

I urge the CFPB to expedite this matter and mandate Experian to remove this inaccurate and unverified collection account from my credit report within 30 days. I appreciate your prompt attention and assistance in ensuring the accuracy and fairness of my credit reporting. 

Thank you for your help. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-25
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. (LA)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-08-25
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. (NJ)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2016-07-06
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO. (TX)

On XXXX XXXX I made my XXXX mortgage payment. I saw on my BofA statement that it had gone through. A week later XXXX informed me via text I was almost at {$0.00} in my account. Something that I knew had to be some mistake. I found out through research that Chase had taken a 2nd payment in my previous amount ( prior to escrow change ). I had changed that to the new amount 2 months before however they continue to insist I went online and did it -I did not. When called on this Chase said they 'd reverse but it would be 7-10 days. 
I was leaving the country so I called BofA and they said they 'd cover the amount till it got reversed, They did n't say they would do that by sticking their hand into Chases pocket. 
So then there were several reversals and Chase took money back using my original XXXX XXXX payment to cover themselves and then reported us to the credit bureaus as XXXX not being paid -dropping our scores considerably. 
I was not aware of any of this till I returned home and then all Chase wanted was another XXXX payment. I had statements showing it paid and did n't want to pay more till this was resolved, that took over a week. At that point when we finally unraveled everything I paid XXXX again and XXXX but our credit was already negatively affected. 
Chase eliminated the " late fee '' but refuses to contact the credit bureaus for a reversal claiming it was n't their fault. It was n't ours, we paid in full and on time the rest was one mistake after another none of them ours. We had been paying Chase on time for 7+ years. 
Even before we had planned to refinance our loan. Now our mortgage person wants us to try and fix this before he proceeds so here we are as he recommended.
Consumer complaint received 2023-08-25
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. (PA)

this is a formal complaint tht transunion is violating several of my rights under the FCRA.In 15 usc 1681a2 under Exclusion states Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; However Transunion is reporting late payments to which Constitutes an experience and transaction to which both are part of the exclusion law stated above.Furthermore under 15 USC 1681 congressional findings ( 4 ) states there is a need to insure the consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy to which Transunion has failed to do.The following accounts are reporting illegal. 
XXXX XXXX XXXX account # XXXX latepayment. 
Dept of education account # XXXX/late payment. 
Dept of education account # XXXX/late payment. 
Dept of education account # XXXX/late Payment. 
Dept of education account # XXXX/late payment. 
Dept of education account # XXXX/late payment. 
Dept of education account # XXXX/late payment.
Consumer complaint received 2024-07-30
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. (CA)

This letter is a request of the steps that your company took when investigating the disputed item. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? 
Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

ACCOUNT : XXXX XXXX XXXX.
Consumer complaint received 2024-05-17
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-22
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. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$790.00} XXXX XXXX XXXX XXXX Balance Owed : {$600.00} XXXX XXXX XXXX XXXX  Balance Owed : {$0.00}
Consumer complaint received 2024-05-17
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. (AR)

I disputed accounts with your EXPERIAN through the CFPB on XX/XX/year> and XX/XX/year>. I recently reviewed my consumer report with EXERIAN after filing CFPB complaint number : XXXX and noticed that the disputes were completed. It has come to my attention that one of the inaccurate accounts that were disputed, EXPERIAN, decided to leave unchanged allowing the inaccuracies to persist on the account and the other account was updated but still remains inaccurate as seen after reviewing the before and after results regarding this disputed account via EXPERIANS website. EXPERIANis in direct violation of the Fair Credit Reporting Act because EXPERIANoverlooked and accepted the errors that were initially pointed out in the supporting documents that had been provided twice. I have reason to believe that EXPERIAN did not consider all relevant information pursuant to 15 USC 1681i ( 4 ) ( 4 ) consideration of consumer information in conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information. Consumer reporting agencies are expected to ensure maximum possible accuracy of the report to whom it relates per 15 USC 1681e ( b ). EXPERIAN did not. This issue directly violates 15 USC 1681 ( a ) ( 1 ) because EXPERIAN did not ensure fairness and accuracy by leaving an inaccurate account unchanged per its results stated as remains ' and it therefore directly impairs the efficiency of the banking system and undermines public confidence. EXPERIAN has also failed to deliver a written notice of the reinvestigation results regarding this dispute within 5 days to me by mail per 15 USC 1681i ( 6 ) which is violation of the FCRA. EXPERIANs violations of the Fair Credit Reporting Act so far : 15 USC 1681e ( b ) Accuracy of report, 15 USC 1681 ( a ) ( 1 ) Accuracy and fairness of credit reporting,15 USC 1681i ( 4 ) Consideration of consumer information, and 15 USC 1681i ( 6 ) ( A ) ( B ) Contents. These issues are damaging my reputation, the integrity of my consumer report, and becoming an inconvenience to the precious time that I have as I live.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 2023-04-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: U.S. Auto Sales Inc. (SC)

So on XX/XX/XXXX, I called in to US Auto to put in a deferment due my divorce proceedings. I was be the XXXX XXXX XXXX that my deferment was a guaranteed approval. I sent in the paperwork from my divorce proceedings and the US auto rep XXXX XXXX looked over them and said yes to this is perfect. Your approval it guaranteed. He stated that it will take up to 7 day not 8 or 10 Seven days to take affect. I waited seven. My credit now is saying really late. So I pay my late bill. Because both of the payments are still reflecting. I called and another US auto rep XXXX told me that my deferment was denied because it was not a year old loan.
Consumer complaint received 2024-05-16
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. (FL)

Hi my name is XXXX XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-06-22
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)

I looked at my report back on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts [ XXXX XXXX XXXX ], [ XXXX XXXX XXXX XXXX ], [ XXXX XXXX ], [ XXXX XXXX XXXXXXXX ], are not complete and accurate. 

I sent a letter asking them to make sure everything is complete and accurate and here is my tracking number They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate
Consumer complaint received 2024-05-16
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. (NY)

I reviewed my Consumer Report and noticed thad I had deferent late payment 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 accurancy I have never been late on payments for the ACCOUNXXXX XXXX XXXX XXXX XXXX XXXX PLEASE INVESTIGATE and provide proof with statement showing that these payment were late if proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER LATE THANKS
Consumer complaint received 2024-05-17
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 am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than XXXX days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

I am sending this complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. These are the following items that need to be removed from my credit file right away : 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
Consumer complaint received 2024-05-17
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. (TX)

Please ensure the accuracy and precision of these customer record items. Misinformation of this nature is extremely harmful to my current credit record. Kindly verify that all related information is 100 % accurate and appropriate : XXXX XXXX Balance Owed : {$2200.00} XXXX XXXXXXXX Balance Owed : {$2200.00}. If you can not prove this information to be 100 % accurate, please update it immediately. Thank you.
Consumer complaint received 2023-08-02
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: Experian Information Solutions Inc. (TX)

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 U.S.C.1681 XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602A States I have a right to privacy. 15 U.S.C. 1681 Section 604A Section 2. Also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1681C ( a ) ( 5 ) 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.
Consumer complaint received 2024-06-09
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)

My account with all the companies that I included on the document was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 XXXX, my XXXX  my XXXX XXXX XXXX and to my XXXX  I demand the late payment reported in the months that I was 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.