davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, 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 Corrected. 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 name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes 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 following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report 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. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have no business with XXXX XXXX  acct # XXXX in accordance with the Fair Credit Reporting Act this account has violated my rights. 

15usc 1681 section 604A states I have a right to privacy 15usc 1681 also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States 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 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

It has been Well over XXXX  Days since I asked for reinvestigation, I have not received a reply from you or any acknowledgment that an investigation has begun. 

I have yet to recive a copy of my signature to verify the accounts listed belong to me. 

Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX XXXX ( C.D. XXXX XXXX XXXX, 1995 ), you will be liable for your willful non-Compliance.
Consumer complaint received 2024-11-11
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. (NY)

XXXX XXXX XXXX XXXX Account # XXXX - All Late payments Per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between the company and myself
Consumer complaint received 2024-11-11
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)

I am writing to dispute the reporting of a late payment on my credit report. I have contacted the companies regarding these late payments, and they have approved updating the accounts to " open or closed/never late. '' The companies have acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. 

XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-09
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc. (UT)

Starting on XX/XX/XXXX I tried to access my Victoria 's Secret Angel Card which is serviced by Comenity Bank. The Victoria 's Secret app has a link to the Angel Card account which is how I tried to access the account on XX/XX/XXXX. I have face id setup and I received an error message saying the path can not be found. I then tried to use my username and password and I received the same message. The next day I tried accessing my account and received the same error messages. On XX/XX/XXXX the link to access the Angel Card was removed from the Victoria 's Secret app. I tried accessing the desktop website and it had a banner stating the website is down due to a planned system update. When calling the phone number on the back of my credit card, which I first tried on XX/XX/XXXX, I got an automated message saying " due to a planned system outage we are experiencing higher than normal call volume. Please try again later '' then the call disconnects. I didn't receive a single notification about the system outage from Comenity. I found out after doing a XXXX XXXX  about their outage. I'm submitting this complain on XXXX and I still haven't received any notification from Comenity and their website and customer service number are still down. They state they have an easy pay option online but when I select the link it brings me to a page that doesn't load.
Consumer complaint received 2024-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

These accounts are identified as a charge off. Which the companies have taken a loss on and written them off on their taxes. In this case they were to send me a 1099 so I can file as income on my taxes which haven't been done. I demand these items to removed from any credit report within 7 days due to them not following the law that requires them to do so once they charge off an account. 

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 2022-11-21
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: Experian Information Solutions Inc. (GA)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX Owed XXXX {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX XXXX Owed : {$49000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX  Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX CO XXXX Balance Owed : {$300.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2022-06-07
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: Experian Information Solutions Inc. (ID)

On XX/XX/2022, I was notified of new activity from my XX/XX/2022 credit report. 
According to the credit report, a new loan account was created on XX/XX/2022 in the amount of {$520.00}. 
I notified the XXXX credit bureaus and filed a police report that the new account was fraudulent. They informed me that the account was created using my old address and a phone number that I was not familiar with. 

Experian first treated this as a normal dispute instead of a fraudulent activity and did not remove the loan account from my credit report. They actually resolved the first dispute by siding with the XXXX XXXX XXXX XXXX XXXX. I also informed the Experian reps that I was not able to reach a support person from XXXX XXXX / XXXX with the contact information they provided. They provided no help here, even when I told I think their contact information was incorrect. 

After the dispute was resolved in the bank 's favor, I contacted them again and finally had them escalate this to their fraud department ( and have since sent them a copy of my police report and am doing the same with XXXX ). The Experian agents I talked with made it sound obvious that this was a fraud case since they helped me identify the phone number and address that was used in the fraudulent loan ... and yet, the dispute did not end in my favor. Also, Experian 's online system for submitting paperwork ( www.experian.com/upload ) is broken and does not accept PDFs or TIFF files, even though those were the exact instructions! 

Since XX/XX/XXXX through today, XX/XX/2022, I have been trying to contact XXXX XXXX XXXX  AND XXXX XXXX XXXX but could not reach any live person through any of their phone numbers and automated telephone systems. I even went to a XXXX Bank and they were also not able to reach a person by calling in. 

XXXX / XXXX XXXX apparently only helps their customers and have no means of supporting non-customers. Instead, their messages have directed me to an e-mail address. I finally e-mailed this e-mail address on XX/XX/2022 but have not been contacted as of XX/XX/2022. 

XXXX XXXX And XXXX XXXX CURRENTLY DO NOT have sufficient support staff and actually have no live person to handle serious matters such as identify theft from non-customers. Look up their website info and try calling them, you'll get nowhere. ( XXXX ). 

I am still disputing this fraudulent account through the credit bureaus as we speak. I also want to world to know that criminals can open new loans through this company because they do not run credit checks, which made my credit freezes useless here as a form of protection.
Consumer complaint received 2022-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (PA)

My name is XXXX XXXX. I was on my credit report earlier, checking on my student loans, and I came across a credit card JMPCB with {$140.00} balance. It says it was a Chase Credit Card so I called Chase and they dont even have a record. 
I did NOT open a credit card with chase, I only have an open XXXX  XXXX card. 

I am very concerned and need to know who did this and how to get it off.
Consumer complaint received 2022-07-02
Product: Credit reporting, credit repair services, 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. (MD)

I did not make any of these inquiries XXXX Inquiry date XX/XX/XXXX Business type Bank Credit Cards XXXX  Inquiry date XX/XX/XXXX Business type Department And Variety Stores- non specific XXXX  XXXX XXXX Inquiry date XX/XX/XXXX Business type Bank Credit Cards XXXX XXXX XXXX Inquiry date XX/XX/XXXX Business type Bank Credit Cards XXXX XXXX XXXX Inquiry date XX/XX/XXXX Business type Bank Credit Cards XXXX XXXX XXXX Inquiry date XX/XX/XXXX Bank Credit Cards XXXX Inquiry date XX/XX/XXXX Business type Tenant Screeners ( Reseller ) XXXX  Inquiry date XX/XX/XXXX Business type Tenant Screeners ( Reseller ) XXXX XXXX Inquiry date XX/XX/XXXX Business type Auto Financing Companies
Consumer complaint received 2022-11-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: California Business Bureau, Inc. (CA)

For several months I have been trying to dispute negative accounts from my credit report, accounts that I do not recognize as mine and that on several occasions I have requested verification and even validation of them, the accounts that I have sent on multiple occasions to dispute because they violate the FDCPA are as follows : CALIFORNIA BUSINESS BU XXXX. 
CALIFORNIA BUSINESS BU XXXX CALIFORNIA BUSINESS BU XXXX CALIFORNIA BUSINESS BU XXXX CALIFORNIA BUSINESS BU XXXX CALIFORNIA BUSINESS BU XXXX CALIFORNIA BUSINESS BU XXXX CALIFORNIA BUSINESS BU XXXX CALIFORNIA BUSINESS BU XXXX CALIFORNIA BUSINESS BU XXXX CALIFORNIA BUSINESS BU XXXX CALIFORNIA BUSINESS BU XXXX I have requested a validation of the accounts several times with the creditor and they never answer me back. This creditor is in violation on my consumer rights. My lawyer is already working on this case.
Consumer complaint received 2022-06-07
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: EQUIFAX, INC. (GA)

The Credit Bureaus never did a proper " investigation '' according to the FCRA. Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They did not do this. Also, they have violated my rights even more. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. The Credit Bureaus stated my account was properly investigated but how is that even possible if the open date, date last active and date last reported is not accurate? This is ground for removal and now has forced me to receive documentation from the actual financial institute even showing I've attempted to settle this as the Bureaus tried saying it was on the institution and not them. I also have an entire transcript with a supervisor at XXXX in regards to this repeated issue and requesting to speak with the supervisor of one of the financial institutions I was also on a separate call with trying to solve this issue however that was against the institutions protocols. They also violated the law because according to 15 U.S.C 1681 Section 602 A. states I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : it also state a consumer reporting agency can not furnish a account without my written instructions. I did not give any written instructions.
Consumer complaint received 2024-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WY)

I am writing to request an update to my personal information on file with all three major credit bureaus : XXXX, TransUnion, and XXXX. My correct and current information is as follows : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WY XXXX, United States Employment : XXXX XXXX XXXXXXXX XXXX Additionally, I would like to formally request that XXXX remove the incorrect address listed on my credit report as follows : Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX There is no law preventing the removal of inaccurate or outdated information from credit reports, and as this address is not valid or associated with me, I ask that XXXX promptly delete it from my record.
Consumer complaint received 2022-06-07
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: ENCORE CAPITAL GROUP INC. (OK)

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 XXXX  account # XXXX has violated my rights.

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 an 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 item 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 2022-11-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (LA)

I received a notification that a collection was sent to my credit report, when I checked my report I saw a collection for Professional Debt Mediation for {$3200.00} from XXXX XXXX XXXX I immediately contacted the apartments to find out about the debt because I once leaves there but moved in XXXX of XXXX I was told that they were under new ownership and that they didn't have any files that far back.. They gave me the old owners information and I made contact with them and was told that they didn't have any paperwork from the apartments because it was turned over to the new owners.. Of course no one could tell me anything.. I called XXXX XXXX to do a follow up dispute still no resolution... I moved into XXXX XXXX XXXX in XXXX of XXXX on a XXXX program through XXXX XXXX XXXX XXXX XXXX 's Section XXXX Program, in XXXX of XXXX there was an incident that happened in which I decided to move out but not before contacting the office and the Section XXXX XXXX XXXX rent was already paid, I had not signed a new lease yet.. Everything was moved out and apartment cleaned before the end of the XXXX In XXXX I received a letter to my forwarded address stating that I owed the apartments {$24.00} for the use of their utilities so I called and in informed them that it was impossible because I forgot to get my own utilities turned off and they weren't off in my name until XX/XX/XXXX and I followed it up with a letter from the utility company and was told to disregard the letter after they received the fax.. The program I was on was a federal program and in order to move you have to have clear balances, no damages, etc or you will lose the assistance.. I make contact with the Section XXXX office today to see if there was anything that they were aware of and just as I already knew the apartments gave me a full clearance, a XXXX balance, etc so being that they were the ones that paid the majority of the rental payments why were they not notified and why would they give me a letter of clearance to move somewhere else.. I am no longer on the program because I gave it up to move back home to care for my ill mother but had I not given it up I would still be able to participate in the program.. I haven't been able to even see what it is that they say I owe from them or Professional Debt Mediation because they are trying to get me to pay for it.. Please contact the XXXX and they can back me on this because this is not my debt..