davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-08
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)

My account with Experian was never late! I have had exceptional payment history with XXXX  XXXX 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.

Experian 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 2024-04-25
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. (OH)

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 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 2023-09-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (AZ)

On XX/XX/XXXX, I get back to too back phone calls from my bank, but the claim they dont call people then I proceeded to answer this phone call. I answer this phone Call remind you I am at work in XXXX Arizona. The person on the other line did everything that chime does ask for my name and last for of my social so I did what they ask the person on the other line see you tell me that someone was trying to break into my account that we needed to follow some steps to make sure they didnt get into my account I said thats fine so they did what they did. ask me a few questions and then I got off the phone with them when I got off the phone with them. XXXX minutes later I checked my bank account and my money is gone, so I called them back talk to some lady on the phone and she tells me they couldnt do nothing until after the transactions werent pending no more to call back after they got done painting so the next day which is XXXX, XX/XX/XXXX around XXXX the transaction werent longer pending so I deal with the lady said and disputed the charges within an hour. After disputing charges I could email from them saying there was no error that my phones will not be given back to me so I called them back. They told me they were re-open the case and I will look into it. I said OK within an hour of getting off the phone with them. I get another email saying no error has been found. No refunds will give them back to you. So I called them back when over everything again the agent told me that something doesnt look right and the well put special note. Got off the phone and with a hour got another email say no error has happened and no refund well be given, so I called them back at this point its XXXX XXXX  on XX/XX/XXXX talk to another agent and he proceeds to tell me to send documents proving my statements so I did sent documents of the call. Log the text message of me, refusing these transactions and my paystub showing that I was in Arizona at the time and date. Then within hours got another email say no error was found, called them back went through each documents with a supervisor of the dispute team her name was XXXX and she said it looks like fraud. That she would put in special note in my case. I get off the phone with her at XXXX XXXX  at XXXX XXXX  get another email say no error has happened so no refund well be given. So called them back they went through the same thing and the opened my claim again and to write a email to the support time stating my claim that what I did with in a hour got same email. These people took XXXX transactions happened in XXXX Florida  well I was in XXXX az and like I explain to the people one of the charges were at a gas station, so how can I physically be in XXXX Florida making a purchase at a gas station with my card that I have on hand I am in XXXX Arizona.
Consumer complaint received 2024-04-25
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. (MA)

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 & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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 2023-09-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: PNC Bank N.A. (KY)

On XX/XX/2023 I had a direct deposit in the amount of {$1800.00} directly deposited into my XXXX Bank Account issued by PNC Bank XXXX XXXX, a campus based Federal student loan servicer. On XX/XX/XXXX " XXXX XXXX Banking closed my account due to violating there " ACH Transfer '' or in other words, " Direct Deposit '' policy. But at first they had told me it was for fraud, I was told that the names on the accounts did not match. Which was a complete lie and they disregarded my willingness to provide proof. I have been attempting to gain access to my money for going on 60 days now. I even had an affidavit emailed to me. Printed the affidavit, filled it out, had it notarized and mailed back to XXXX to have sent to the bank who has been holding my student refund because they refused to reverse the deposit back to the loan servicer to have them redirect the deposit to my other financial institution. XXXX Bank has refused to even email me or call and discuss the matter so here I am taking what ever steps I need to to get my money. I have been trying to get my refund since XX/XX/2023 and today 's date is XX/XX/2023 and I am getting the same run around about contacting them, 5 to 7 days for update, never get update then told to contact the school XXXX XXXX. Then they tell me they are waiting for response from them, and so on. I am getting nowhere with PNC Bank, XXXX XXXX banking, XXXX nor XXXX XXXX  XXXX XXXX XXXX XXXX campus. Please help me CFPB!
Consumer complaint received 2023-12-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc. (MD)

A letter dated XX/XX/23 was sent via certified mail XXXX XXXX XXXX XXXX XXXX requesting validation of the debt and documentation to support the right to collect the debt within the time period disclosed in the initial letter ( by XX/XX/23 ). The company received the validation request timely on XX/XX/23 ( proof included ) but did not provide the requested information. A collection notice has been placed on my credit report and is affecting my credit negatively.
Consumer complaint received 2024-04-25
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)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 2024-04-25
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. (FL)

I appreciate your attention to my previous communication regarding the derogatory marks on my credit report. Despite providing detailed references to relevant statutes, I have not seen any progress in having these marks removed. 

Its evident from the Fair Credit Reporting Act ( FCRA ) and other applicable regulations that my rights to privacy and accuracy of information are protected. XXXX, Experian, and the furnisher of information to credit agencies have not obtained my consent to furnish this information, nor have they informed me of my right to exercise my nondisclosure option. 

Moreover, the reported adverse items exceed the permissible timeframe outlined in the FCRA, and there are reasonable grounds to believe that the information provided is inaccurate, violating section 1681s2 ( A ) ( 1 ) of the U.S. Code. 

I urge you to escalate this matter and ensure that these derogatory marks are promptly removed from my credit report, in accordance with the law. I am willing to provide any additional documentation or information necessary to facilitate this process. 

Thank you for your attention to this matter, and I look forward to a swift resolution.
Consumer complaint received 2024-04-25
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. (IL)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2024-04-25
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. (IL)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2024-04-25
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 sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-04-25
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. (CA)

I am sending this complaint to dispute the reporting of a late payment on my credit report for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have contacted the bank regarding theselate payments, and they have approved updating the accounts to " open/never late. '' The bank has acknowledged the inaccuracy of reporting a late payment and have agreed to make the necessary changes. 

According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. Therefore, I kindly request that you update these accounts to reflect that it has never been late. I also request a copy of my updated credit report once this correction has been made.
Consumer complaint received 2023-08-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (NY)

I consolidated my loans in XXXX of 2022 through XXXX to be transferred to MOHELA. Some of the loans were not able to be consolidated because of the in school status. I was directed by XXXX  to fill out a request to add loans to consolidation after taking those loans out of in school status. I filed that form and my loans were marked as paid in full via consolidation in XXXX of 2022. Those additional loans are still not added to my MOHELA account. I have reached out to MOHELA several times and they tell me different thingsthat my current balance is accurate ( even though its missing the added loans ) or that I need to contact XXXX. When I contact XXXX they tell me theyve sent the consolidation information to MOHELA and to contact them. I filed a complaint with XXXX and they told me the loans are still with XXXX according to the loan tracking, but closed the case. I am missing more than half of my loans on my balance and no one can tell me if or when it will be added to my account.
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. (CA)

I recently received a copy of my credit report, and I noticed the bankruptcy you provided to Transunion was posted on my credit report after 1st investigation between the bureaus. Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the followng circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates Did I give you written instructions to furnish this account on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term consumer report include ( A ) Subject to section 16815-3 of this title, any. ( ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above bankruptcy from my consumer report and or this account as it has not been properly investigated and this agency is in violation of 15 USC 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being to whom it relates Did I give you written instructions to furnish this account on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report include ( A ) Subject to section 16815-3 of this title, any. ( ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above bankruptcy from my consumer report and or this account as it has not been properly investigated and this agency is in violation of 15 USC 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking { {$1000.00} } per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692 G violations 4.Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance 15 U.S.C. 1681n. Also how did this company verify the bankruptcy if XXXX & XXXX  court does not give share or confirm information to the credit bureaus or 3 party agencies. I am submitted proof of pacer & bankruptcy court letters.
Consumer complaint received 2023-09-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (CA)

It's been many disputes I've made on this account for Midland credit management through XXXX XXXX and XXXX and for some reason it's always been updated I believe that inaccurate information should be deleted off your credit report also I believe XXXX XXXX and XXXX should be fined .for letting inaccurate information exist. When i do send a dispute to XXXX and Midland credit the only thing Midland credit does is change my balance up a dollar or down a dollar and put it back as updated and it just makes my credit score go down they've been changing the amount I owe for years and it just goes back to XXXX XXXX and XXXX as updated. I have proof that they done this at least XXXX times just change my balance from up a dollar down a dollar. On a balance that can't be changed.
Consumer complaint received 2023-12-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (FL)

In early XXXX, XXXX, I recieved a letter from the company stating my personal info HAD been compromised and they were offering credit monitoring. The letter got misplaced and they have refused to provide me a copy of that letter. Their cybersecurity people stated they had the letter but only XXXX could send it. XXXX denied having it. Customer service, when I asked to speak to legal said 1. Mr Cooper had no legal dept 2. Mr Cooper has a legal department, but they haqve no phones 3. That they aren't allowed to contact the legal department. 

They then tried to send me a not-our-fault letter via email, but my request for a copy of the original letter has not been fulfilled. Mr Cooper is engaging in obstruction by not providing my letter
Consumer complaint received 2024-04-25
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 It is XXXX  to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your swift attention to and resolution of this issue are highly appreciated.
Consumer complaint received 2024-04-25
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. (MI)

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 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 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
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