davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: REGIONS FINANCIAL CORPORATION (TX)

Subject : Dispute Over Time-Barred Debt Claim Hello I am writing to address the ongoing issue regarding a debt that was not only discharged in bankruptcy but is also beyond the statute of limitations for the state of Texas. Despite my repeated disputes, this account continues to reflect updated amounts incorrectly. 

According to Section 16.004 of the Texas Civil Practice and Remedies Code, the statute of limitations for most debts in Texas is four years. Additionally, Section 392.307 of the Texas Finance Code, introduced in 2019, clarifies that neither payments nor any other activity on the debt restarts the limitation period for debt buyers. This section further mandates that debt buyers must provide written notification when the statute of limitations has expired. 

Moreover, under Title 12, Section 1006.26 of the Code of Federal Regulations, new regulations issued by the Consumer Financial Protection Bureau prohibit debt collectors from filing lawsuits or threatening to sue on debt that is time-barred. According to section 1006.2 ( i ) of this regulation, this definition of " debt collectors '' includes original creditors operating under a different name. 

Please ensure that this matter is addressed appropriately and that no further incorrect claims or updates are made regarding this debt. 

Thank you for your attention to this matter.
Consumer complaint received 2024-05-08
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 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 2024-05-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (FL)

This company never gave me a XXXX notice of dispute of this alleged debt they say I owe. This is a Volation of my rights they must provide me this information or delete this account immediately or I'll be more then happy to take this to fed court I request in court how this whole this is fraud as well. I will make you show the forward flow agreement which will prove the amount your demanding from me is much lower then what you paid for it to begin with. You are to delete this account immediately!!!!!!
Consumer complaint received 2024-05-08
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)

After reviewing my XXXX and Experian credit reports again, I have identified some inaccurate late payments that needs reporting and correction through your company. These late payments are illegal. This is a violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Please see the attached file.
Consumer complaint received 2024-05-08
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. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-05-08
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. (GA)

This is maybe my 7th or 8th time disputing and reporting these fraudulent accounts reporting to my credit report and they still are not being removed. I'm not sure what more steps I need to take but I need these accounts removed immediately. Theyre affecting my life in ways that are more than detrimental.
Consumer complaint received 2024-07-18
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 have contacted Experian several times regarding XXXX XXXXXXXX XXXX XXXXXXXX ( Acct # XXXX ) and XXXX  XXXX ( Acct # XXXX ) being reported inaccurately. Both of these accounts are falsely reporting late payments. I have asked Experian to verify the late payments on these accounts. The dispute results came back as verified. I requested proof or documentation regarding the late payments on each account. The credit bureau will not supply the evidence. 

In accordance with the Fair Credit Billing Act and Fair Credit Reporting Act, I am requesting that Experian provide me with a copy of the ( 21 ) day statements that was delivered to me prior to the billing due dates. If an e-statement was sent, please provide a copy of each email correspondence with the e-statement. If the statement was delivered by mail, please provide a copy the documents mailed and include the tracking details and/or return receipt. 

If evidence can not be provided that these late payments are valid and proper notification was provided prior to furnishing these delinquencies on my credit report, then the late payments must be removed from both accounts immediately. 


Sincerely, XXXX XXXX
Consumer complaint received 2024-08-05
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. (FL)

I did not consent the following inquires to be done. I applied for a car loan at a dealership and my application was submitted to multiple banks without my permission. Please see below the following inquires by company name, and reporting agencies. Please remove these inquires. 

XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXXXXXX XXXX XXXX  XX/XX/year> Experian XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX  XX/XX/year> Experian XXXX XXXX XX/XX/year> Experian XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> Experian XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXXXXXX XXXX XX/XX/year> Experian XXXX XXXXXXXX XXXX XXXX  XX/XX/year> Experian XXXX XX/XX/year> XXXX XXXX XXXX XXXXXXXX XX/XX/year> Experian XXXXXXXX XXXX  XX/XX/year> Experian XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX
Consumer complaint received 2024-08-21
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

In the last 3 months I have continuously I mailed a dispute to XXXX XXXX XXXX and XXXX XXXX XXXX to remove the fraudulent Capital One account for {$460.00} open XX/XX/2022 as well as fraudulent addresses listed below I have never lived or associated with the following XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX has removed the following fraudulent and inaccurate information from my report, but XXXX and XXXX bureaus have not. This an accurate fraudulent information is hindering my financial progress with my credit report.
Consumer complaint received 2019-02-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (NC)

I was with XXXX  insurance from mid XX/XX/XXXX mid XXXX. I left after several arbitrary actions on their part and severe difficulty in communicating with them. 

1 ) Less then one month after signing up for coverage they sent me an excessively succinct email asking for additional information. After my reply was apparently inadequate, they didnt respond and without prior notification dropped my coverage to liability only.

2 ) When I realized the issue I made several impossible attempts to contact them thru the phone number they provided. The IVR phone system they had at no point allowed for redirect to an operator, or requesting a representative as other companies provide. I was forced to go into a random XXXX   office to get assistance. They connected to someone that could assist and it was not a pleasant experience, they they did agree to resolve the issue and restore my full coverage.

3 ) When my full coverage was restored the price was 50 % higher than my original quote. Mind you, this is less then 2 months of serve from them. My attempts to ask questions thru their online web form were often replied with overly succinct, off point answers. I never found out why they raised my coverage cost.

4 ) Deciding that continuing to use them as an insurance provider was too risky, I decided to leave in late XX/XX/XXXX. My last bill was on XX/XX/XXXX, and I was paying in advance. The only thing I have from them is an email that is ambiguous that you might receive a bill, or you may be owed a credit. My last day was XX/XX/XXXX. I had automatic bank draft. Set up. I had bill notifications texted to my phone. After this, there were no follow up letters, or phone calls, or voicemails or text messages that I am aware of regarding a bill. I would have expected them to make at least multiple attempts to contact me thru multiple channels. But that didnt happen. 

5 ) The bill went to the collector, according to my credit report, on XXXX XXXX, XXXX and was reported to the credit agencies on XXXX XXXX, XXXX. I have never received a voice mail, email, or letter from these people. 

I am familiar with collection agency processes as I paid off a {$4000.00} medical bill starting 4 years ago over a two year span to a collector for the hospital. From the beginning I received mail from them that was specifically designed to leave the recipient the clear intention that envelope has information regarding a bill from a collector, and I received voice mails from the collector whom I worked with briefly set up a plan. They never reported, and it was {$4000.00}. I appreciated that. 

I would be glad to pay off the {$71.00} if the derogatory remark was removed, or if that is not possible amended with the collector admitting they made no effort to contact me and the remark was made in their error. Im working on buying my first home within the next 2-3 years and want to cleanest score possible.
Consumer complaint received 2024-06-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (MI)

This company apparently forged signatures on the documents they have. They have no contract with me to pursue any kind of debt. In direct violation of the FDCPA USC 15 1692 ( g ), this company has not provided verified documentation. No documents notarized. They dont even have standing to pursue litigation in this matter. Per the Federal Trade Commission, reporting must be accurate. They are reporting this alleged account as an open account that would have been closed if its in collections. This is in direct contradiction to 15 USC 1681s-2, which clearly 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

This company is liable for damages.
Consumer complaint received 2024-05-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (PA)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-05-08
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. (SC)

I sent in a complaint in regard to the debt collector XXXX reporting debt on my profiles that shouldn't have been reported. XXXX and Experian have removed this debt due to not being able to validate the debt however, XXXX has kept the debt on my credit profile. 

Please read below the response from XXXX : Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results is listed below : Trade : XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXX ( XXXX ) or you XXXX visit XXXX With my XXXX, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally, you can access free XXXX credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com. 

Also, Experian has deleted XXXX from my credit profile, please find attached a copy of the report that shows experian has removed these items.
Consumer complaint received 2024-07-18
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. (NY)

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (AL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days 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 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 XXXX
Consumer complaint received 2023-09-18
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. (IN)

I filed a dispute about a collections account that showed up on my credit history. I have received no communication from the original company about a balance due. 

My dispute was opened on XX/XX/13 at XXXX, and was closed on XX/XX/13 at XXXX. The details from the dispute results note that the collections item was either updated or deleted. However, neither happened. In the comparison tool provided on the website, the dispute appears exactly the same. There is no additional information or change of status. As the only information I have related to the account is a lack of communication regarding the balance due, I can not provide anything for an updated dispute through the credit agency.
Consumer complaint received 2024-05-08
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. (SC)

I am submitting this new complaint due to the results from the last complaint and the error was not corrected. I am submitting this in hopes Of XXXX XXXXXXXX  to reverse late fees that were being reported on XXXX XXXX XXXX- XXXX XX/XX/XXXX ( 30 days ), XX/XX/XXXX ( 30 days ), XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I have a great payment history with XXXX XXXX  and do not recall ever being late. XXXX XXXX is reporting XX/XX/XXXX and XX/XX/XXXX as both being 30 days past due with is inaccurate reporting. It is the duty of the CRAs to ensure all information is being reported correctly. 

Furthermore, the CRAs stated the company sent proof that the payments were accurate and verified which I have yet to receive any documentation and or proof. I am hoping I can resolve this matter with XXXX XXXX. As a courtesy I am asking that the late payments be reversed as paid as agreed and they are hindering me from getting approved for other credit.

15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS.

Pursuant to 15 USC 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, 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.

You have failed to follow the laws and provide proper documentation in regard to the validity of these late payments. If I can not get these its reversed to paid as agreed my next course of action will to submit a complaint with the attroney general.
Consumer complaint received 2024-05-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

My credit card was stolen along with my wallet on XX/XX/XXXX. 
I called Bank of America XXXX XXXX Fraud department immediately when I realized my card had been stolen and a purchase had been made. 
I gave the Fraud claim representative my credit card information as well as the charge that was made at Marshalls with my stolen card in the amount of XXXX. 
The Claim representative asked me to call back on XX/XX/XXXX with the police report case number. 
I called on XX/XX/XXXX with the police report case number to the Bank of America XXXX XXXX fraud claim number. 
The charge on my credit card from XXXX that was made with my stolen card was posted to my credit card account on XX/XX/XXXX. 
I called Bank of America again to follow up on the claim since the charge did post to my account almost 20 days after the fraudulent charge. 
Bank of America fraud claim representative indicated that they would escalate the issue so that it would be resolved quicker. 
I have followed up with Bank of America XXXX XXXX XXXX claim deparetment about 7 times to see why the issue hasn't been resolved. 
It has been 90 days since I had my wallet stolen and the fraudulent charge of XXXX from XXXX happened.