davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

My account with the following occupancies were never late! I have had exceptional payment history witH 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 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 includin
g 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.

The following companies 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 2024-10-27
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. (FL)

I received a response from Experian stating they verified an account as accurate. I looked at my credit report today XX/XX/year>, and still see incomplete and inaccurate information. According to the FCRA, 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 to whom the report relates. ( See Attached ) USBK Court - XXXX - Information is reporting inaccurate and is still not correct. 

So I request a description of the reinvestigation and they did not provide it to me which is a violation of 15 USC 1681i7 and 15 USC 1681i ( 5 ).
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

After months of follow up, phone calls to XXXX XXXX they have failed to remove the three 30 days late reported on my credit report. This is no longer a dispute as XXXX XXXX acknowledged that their system caused a failure in my ability to pay the account. They promised to correct this, but several months have gone by and this still shows up on my credit report. This has impacted my ability to obtain a mortgage, now rates have jumped up 2 % higher causing me thousands of dollars in damages. My next step after this complaint is to file a lawsuit for damages.
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC. (PA)

I am an XXXX  lady who doesn't check my credit report a lot but when my child showed me how I realized someone rented an apartment using my name, The name of the creditor is XXXX XXXX XXXX  they are on my credit report 3 times with a total debt of XXXX which is not mine. Also there were several hard inquiries on my report XXXX  XXXX, XXXX XXXX. XXXX XXXX, XXXX XXXX  DELAWARE XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act, These creditors have violated my rights under 15 U.S. code1681 section 2. I have the right to privacy.

Also 15 U.S. code1681 section 604a a consumer reporting agency can not furnish an account without my written instructions.

15 U.S. code 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.
Consumer complaint received 2024-10-27
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)

Original case XXXX bureau stated public record bk XXXX  XXXX was verified this was a lie and they are committing willful noncompliance. 


Bureau Warning XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX DOB XX/XX/XXXXXXXX  XXXX Experian XXXX XXXX XXXX XXXX , TX XXXX XXXX ( XXXX ) RE : Warning to Remove Incorrect Items from my Credit Report XX/XX/XXXX To Whom It May Concern, I have previously disputed Bankruptcy XXXX  XXXX Public Record { Docket Number XXXX } with you, and in your initial response, you veried the item as accurate, stating that you have veried the information with the court. I contacted the court, and their response is enclosed. 
It is clear they do not report to you or any Credit Bureau for that matter ; therefore, your initial response verifying 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. 
Sincerely, XXXX XXXX XXXX XXXX UNITED STATES BANKRUPTCY COURT XXXX XXXX OF ILLINOIS XXXX XXXX XXXX  BANKRUPTCY CLERK Telephone XXXX XXXX XXXX XXXX CREDIT REPORTING INFORMATION The United States Bankruptcy Court does not report any information to the credit bureaus and is not responsible for verifying or validating information from consumers credit files. Bankruptcy filings are publicly available records. 
Any concerns regarding the accuracy of consumer credit files can be directed to the credit reporting agencies. Each credit reporting agency has specific procedures for consumers to dispute information listed in their credit files. The Fair Credit Reporting Act ( 15 U.S.C. 1681 ) is the law that controls credit reporting. The Act states that credit reporting agencies may not report a bankruptcy case more than 10 years after the order for relief is entered. This is usually the bankruptcy filing date. 
For more information about the Fair Credit Reporting Act or directions on how to dispute information reported on your credit report, visit the Federal Trade Commissions website, or contact the FTC toll-free at XXXX ( XXXX ).
Consumer complaint received 2022-12-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current (TX)

I have a checking account with Current online bank. After I got out of the hospital I found that my account did not have the money in there that was there prior. It looked like someone sent themselves money through XXXX XXXX  or something and all of it was unauthorized transactions! I live in a small town with no family and really no friends so I dont have anybody looking after these things for me or checking my bank accounts for me. I was very sick and had no clue this had happened until way later when I returned home and noticed when I went to pay for some medication through that account! I spoke to them on the phone and explained my situation and they acted as if they were going to help me in my favor. I have been waiting and waiting and just looked and it said that it was closed and I chatted with an agent and he said that I will not be refunded and that the case was closed. They never notified me or anything to let me know any of this! I dont know what they base their decision off of but its unacceptable. I would hundred percent did not do or authorize those transactions and Im being made to suffer because they are basically calling me A liar as far as Im concerned! I have never dealt with a bank that does not honor the client in a situation like this! I am in tears and shaking Im so upset and confused. I am broke and desperately need to be refunded that money back. I have attached pictures of the amount and dates and details from my account! If clarification or more details needed you can reach me at XXXX or at XXXX XXXX
Consumer complaint received 2022-09-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (IL)

Received an alert on my credit for this company, attempted to contact and they stated do not have my social on file, however, it is on my credit. I am not aware of this account and am a victim of theft
Consumer complaint received 2022-10-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: SILVERGATE CAPITAL CORPORATION (NY)

On the XXXX of XXXX, XXXX, I wire transferred {$3000.00} ( XXXX XXXX XXXX  ) from my account at XXXXXXXX XXXX XXXX, XXXX, to Silvergate Bank in favor of XXXX XXXXt account where my son has an account. The intention was to purchase crypto currency with the money. XXXXXXXX XXXX  confirmed the transfer by swift message. However, the money has never made it to XXXX XXXX account to fund my son 's account. I contacted XXXX XXXX via email and they confirmed that no money was received. I wrote an email to Silvergate Bank on the XXXX of XXXX, XXXXXXXX, and I have still not received a repky.
Consumer complaint received 2023-12-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

i notice fradulent account and inquires on my account. these occurred recently transunion XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (MS)

I recently received a copy of my consumer report from XXXX and XXXX after a recent dispute and saw an item reflecting adverse information from Credit Acceptance Corporation. I am 100 % sure that Credit Acceptance Corporation did not follow federal procedure in validating the alleged debt on the account in Question. The transferring of my information to the Credit agencies listed is not lawfully transferred. Credit Acceptance Corporation has not lawfully verified a contract agreement between the consumer and Credit Acceptance Corporation bearing two wet ink signatures by Consumer XXXX XXXX and Credit Acceptance Corporation in which a contract shall be made valid per contract law. Credit Acceptance Corporation has violated Due Process clause towards the consumer by denial of arbitration of any alleged debt by a lawful court order that can substantiate a lawful claim against consumer XXXX XXXX. Without any proof of Contract bearing two wet ink signatures by both parties in interest or a lawful court order or written consent from the consumer, Credit Acceptance Corporation has violated Federal Consumer Law 15 U.S.C. 1681s-2 which pertains to the responsibilities of furnishers of information and XXXX nor XXXX did not properly verify this information. 1. Contract with 2 wet ink signatures by both parties 2. A lawful court order or judgement or deposition or sworn statement of facts. 3 Written consent of the consumer.
Consumer complaint received 2022-12-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (MD)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
Consumer complaint received 2022-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

I contacted all three credit agencies due to identity theft and fraudulent information on my account. XXXX and XXXX replied immediately and correct the false information. Experian, however, has done everything that they can to harass and prolong this process for me. I sent them a certified mail request that contained everything including my social security, birth certificate, utility bill and drivers license. They responded claming the issues were resolved, however, upon pulling my credit report, the issues were STILL there. After calling them, their support representative outright refused to remove the incorrect names on my profile. 

As of today, XX/XX/22 I pulled the report and it sais that XXXX of my names is " XXXX XXXX '', this is incorrect. This is not my name and should be removed. I have an uncle who goes by this name and it is not me. 

My birthname, as shown on my social security card, is XXXX XXXX XXXX. 

I would like the false and incorrect name of " XXXX XXXX '' removed from my file. This is not my name as you can see in my legal documents.
Consumer complaint received 2022-08-22
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. (GA)

TransUnion Fraud Victim Assistance Department, There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked or deleted. MY REQUEST TO BLOCK IS NOT BEING MADE IN ERROR ; NOR IS MY REQUEST TO BLOCK BEING MADE ON THE BASIS OF MATERIAL REPRESENTATION OF FACT BY ME RELEVANT TO THE REQUEST TO BLOCK THE IDENTIFIED TRANSACTIONS, NOR DID I RECEIVE POSSESSION OF GOODS, SERVICES, OR MONEY. I AM NOT A THIRD PARTY OR CREDIT REPAIR SERVICE. THIS STATEMENT IS COMING DIRECTLY FROM ME THE CONSUMER. The identified transaction is not information related to any transaction by me the consumer. DELETE OR BLOCK THE FOLLOWING ACCOUNT ( XXXX XXXX XXXX XXXX  ). THE ACCOUNT IS NOT VERFIFIED! TRANSUNION HAS NOT PROVIDED PROOF OF WRITTEN PERMISSION OR INSTRUCTIONS FOR THE IDENTIFIED TRANSACTION. 

You are required to do what I am requesting and block these transactions from being reported on my consumer report within 4 days from the date of receipt of this notice.
Consumer complaint received 2022-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

I paid my Belk/XXXX  on XX/XX/2022 through my bill payer account. I paid more than the minimum amount due. My bank showed the payment posting on XX/XX/2022. I recieved an email from belk a few days later saying that they did not recieve the payment and that i was going to have to file a missing payment form. i had to wait for my bank statement. on last friday i got an email from belk saying that the payment had posted to the account on XX/XX/XXXX. then i got a notice from synchrony bank saying that they closed that account and all of my other accounts that synchrony services. i dont think it is fair that all of my accounts have been closed when i in fact paid the bill on time and something happened between then bank and the credit card company. 
Belk JCPenneys Care  Credit American Eagle XXXX XXXX
Consumer complaint received 2024-11-03
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. (MO)

EXPERIAN is reporting an account that should not be reporting on my credit report. The account that needs to be removed is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting the immediate removal of this account within one day under the following statutes : 15 U.S. Code 6801 ( Gramm-Leach-Bliley Act - Protection of Nonpublic Personal Information ) : This law mandates that financial institutions safeguard consumer information. The presence of this fraudulent account reflects a failure to protect my personal information, leading to harm. 
15 U.S. Code 6802 ( Disclosures of Personal Information ) : This statute requires institutions to give consumers an option to opt-out before sharing personal data. The unauthorized reporting of this account without my consent violates this provision.

15 U.S. Code 6821 ( Prohibition on Obtaining Customer Information by False Pretenses ) : The creation or reporting of this account without my consent suggests that unauthorized access may have occurred, a violation under this code.

15 U.S. Code 1681 ( Fair Credit Reporting Act - FCRA ) : Under the FCRA, consumers have the right to dispute inaccurate or unverifiable information on their credit report. Despite providing clear evidence, the credit bureaus have refused to comply with this law. 
FCRA 605B ( Fraudulent Accounts ) : As per this section, once an identity theft report is submitted, credit bureaus are required to block and delete fraudulent information. I have met all required conditions, yet this account remains.
Consumer complaint received 2022-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Using XXXX I sent money via Bank of america to a vendor online at the address XXXX, subsequently it turned out that the vendor was a scam. I contacted Bank of america to dispute the transfer and report the fraudulent activity, but was transferred from department to department, places on hold and was told they would call me back. I never received a call back. When I contacted them a second time, they told me that too much time had passed and there was nothing they could do for me. If they had properly addressed the issue we could have stopped the transfer ( {$120.00} ) from my account.
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

XX/XX/year> I submitted a dispute complaint stating that the following accounts listed below are reporting inaccurate information and information that is not mine to Equifax through their direct website regarding the collection accounts listed below ( Confirmation # XXXX ) Account # XXXX : XXXX XXXX, XXXX XXXX Account # XXXX : XXXX XXXX XXXX The credit bureaus stated these accounts were properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, the date last reported is inaccurate and the furnishing company has not provided me with any method of verification to how they can verify that this account is mine. This is ground for removal. 
They also violated my rights under 15 USC 1681 section 604 A section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report. 

Equifax replied in statement, for both accounts, " The information you disputed has been verified as accurate, however, information unrelated to your dispute has been updated. The results are : WE VERIFIED THAT THIS ITEM BELONGS TO YOU. THIS ACCOUNT HAS BEEN UPDATED. 

Equifax replied to this dispute XX/XX/year>. If a proper and reasonable investigation was conducted, given the time, how can a reasonable investigation be conducted within 24hours. Under the 15 USC 1681i, it requires for credit reporting agencies to conduct a reasonable investigation when a consumer disputes information on their credit report.
Consumer complaint received 2024-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (FL)

I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter and as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!