davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXXXXXX, Account # XXXX XXXX XXXXXXXX XXXX XXXXXXXX, 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 a account without my written instructions
Consumer complaint received 2024-12-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NY)

I tried to renew my XXXXXXXX XXXX subscription with my Citibank card ( It was on automatic renewal ) I use the same card to renew another XXXX subscription monthly with no problem I received a notice that there was suspected fraud via email and text. I approved the transaction Twice I called Citibank and they said my card would be unblocked I called XXXX We tried to pay again Card blocked This happened 4 times I added a new citibank card to pay the charge and that card was immediately declined. I've called Citibank 6 times to try to get the cards unblocked I was told twice that it was unblocked and now I'm being told that my card ( XXXX ) are " under review '' I don't know what that means and now I have XXXX cards that I can use. I have no idea when this will be resolved There was no fraud. I was simply trying to make a payment Now I can't make any payments. Again there was no fraud and they confirmed my identity yet still blocked my cards
Consumer complaint received 2022-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX ; XXXX XXXX XXXX # XXXX and # XXXX XXXX XXXX XXXX XXXXXXXX, have violated my right. 

15 U.S.C. 1671 Section 602A : States I have the right to privacy.

15 U.S.C. 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-10-02
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. (PA)

HARD INQUIRY BY " XXXX XXXX  THAT WAS MADE IN " DUPLICATE '' INQUIRY. IN WHICH XXXX XXXX  OWN WORDS WERE TO TELL TRANSUNION THAT IS WAS A " Duplicate inquiry request " DONE BY MISTAKE THEY DONT KNOW HOW IT HAPPENED WHEN IT SHOULD OF BEEN A " SOFT PULL '' ONLY BUT IT SHOWED UP ON BOTH. PLEASE FIX AS SOON AS POSSIBLE PLEASE. 

XXXX XXXX  : XX/XX/2022 2022
Consumer complaint received 2022-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I sent the credit card ( Bank Of America ) bill payment 10 days before the due date on XX/XX/2022 which reached them late because of US Post service but they charge me {$25.00} as late fee but I called them to charge this bill ( paid {$120.00} ) from my savings account ( the balance of which then falls below {$500.00} and I have been charged {$8.00} again for account maintenance fee ) and lately they got my check too which I mailed them 10 days earlier from due date and was posted on XX/XX/2022 on my account. So I am calling them again again to waive that late fee of {$25.00} which is none of my fault but they they can not do. Please help.
Consumer complaint received 2024-08-26
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)

My account with was 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 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. 
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 8
Consumer complaint received 2022-02-08
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: Experian Information Solutions Inc. (GA)

we paid the deposit with a money order when they delivered washer n dryer. we also paid the following 5 months of payments. they r stating lies. they have fraugitly reported this infoo to XXXX, XXXX and experian.
Consumer complaint received 2024-08-26
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. (WA)

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2022-02-20
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: Experian Information Solutions Inc. (FL)

I have disputed several unknown inquiries with XXXX and Experian on several occasions as they have not complied with my requests. I've also contacted their fraud department and made a complaint with negative results. I further believe my identity may have been compromised as I do not recognize these companies. I want these inquiries deleted immediately. Lastly XXXX and Experian failed to forward me the results of their investigation as required by the FCRA. I am extremely disappointed in their failure to comply with the law. There are several inquiries that I do not recognize. Please see the following unauthorized inquiries : XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX AUTO FINANCE ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX CAR CREDIT ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX CARD SERVICES ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Retailer ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Retailer ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX Experian XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX Sales Financing Company Inquiry date : XX/XX/XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX AMERICAN CREDIT ACCEPT Auto Financing Companies Inquiry date XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX non specific Inquiry date : XXXX XXXX XXXXXX/XX/XXXX XXXX Personal Loan Companies Inquiry date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Companies - non specific Inquiry date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXXE Complete Department Stores Inquiry date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date XXXX XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date XXXX XX/XX/XXXX 2022
Consumer complaint received 2022-02-08
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Garcadia Financial LLC (NV)

Balanced owed : XXXX. Loan was for a car. Called company to discuss options because of covid and they constantly harassed me. Calling me from sun up to sun down. I asked them to stop and they kept calling from different numbers threaten me.
Consumer complaint received 2022-02-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX  / XXXX / {$0.00} XXXX / XXXX / {$4400.00} XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( XXXX ) In general Before the expiration of the XXXXbusiness-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( XXXX ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( XXXX  ) and before the end of the period referred to in paragraph ( XXXX ) ( XXXX ).
Consumer complaint received 2022-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX, DEPT OF ED / XXXX account # XXXX balance of {$1000.00} DEPT OF ED / XXXX account # XXXX balance of {$2300.00} DEPT OF ED / XXXX account # XXXX balance of {$5100.00} XXXX XXXX XXXX XXXX. 
account # XXXX balance of {$3600.00}. These have 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 a account without my written instructions.
Consumer complaint received 2022-02-08
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: EQUIFAX, INC. (MI)

XXXX XXXX AT XXXX XXXX XXXX XXXX, TX XXXX HAS BEEN SENDING ME COLLECTIONS NOTICES IN THE AMOUNT OF XXXX, I DO NOT KNOW THIS COMPANY I HAVE NEVER DONE ANY BUSSINESS WITH THIS COMPANY,THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY WET SIGNATURE ON IT,BY LAW EVERY ACCOUNT THATS REPORTED BY YOUR COMPANY MUST BE VALIDATED,IF YOUR COMPANY CANT PROVIBE ME WITH THE ORINGNAL CONTRACT WITH MY WET SIGNATURE ON IT YOU MUST DELETE THE ITEM,ACCORDING TO THE (XXXX)
Consumer complaint received 2022-02-08
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. (MI)

XXXX XXXX AT XXXX XXXX XXXX XXXX TX  XXXX  HAS BEEN SENDING ME COLLECTIONS NOTICES IN THE AMOUNT OF XXXX, I DO NOT KNOW THIS COMPANY I HAVE NEVER DONE ANY BUSSINESS WITH THIS COMPANY,THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY WET SIGNATURE ON IT,BY LAW EVERY ACCOUNT THATS REPORTED BY YOUR COMPANY MUST BE VALIDATED,IF YOUR COMPANY CANT PROVIBE ME WITH THE ORINGNAL CONTRACT WITH MY WET SIGNATURE ON IT YOU MUST DELETE THE ITEM,ACCORDING TO THE (FCRA)
Consumer complaint received 2022-02-20
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: Experian Information Solutions Inc. (NY)

The items I disputed I have no prior knowledge of I do not know how they are on my report or how are they are being verified this is very frustrating and I have disputed these items on my report thirty days and have not received no verifying documents which I have requested
Consumer complaint received 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

In accordance with the fair Credit Reporting act XXXX  Account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has two accounts shown, US DEPT OF ED/XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 a account without my written instructions
Consumer complaint received 2022-10-02
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. (CA)

XXXX XXXX XXXX co has made incorrect and inaccurate credit reporting and has violated my privacy as a consumer. In addition, XXXX has been contacted my me multiple times since XX/XX/XXXX and has been non-responsive in providing me the documentations proving debt. On my credit reports XXXX has claimed account is closed yet has on the records as being charged off since XX/XX/XXXX. I voluntarily turned in the vehicle and was never given 1099c nor police report for auction sale nor any other document demonstrated the balance still due for the vehicle. They have used my personal and private information to benefit monetarily and are accusing me of owing debt that is not mine. They are impacting my daily life and not doing what is fair and equitable to me, the consumer. I demand XXXX show me the balance and return to me what is due with proper tax forms for my accounts.
Consumer complaint received 2022-02-08
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AL)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached XXXX Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per XXXX XXXX  XXXX ( XXXX ) ( XXXX ) ( XXXX ). Moreover, you stated the account was verified as accurate by law XXXX XXXX XXXX ( XXXX ). Per XXXX XXXX XXXX ( XXXX ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within XXXX days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within XXXX  days of receipt, as this has been ongoing for over XXXX months.
Consumer complaint received 2022-06-27
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: Experian Information Solutions Inc. (LA)

There are several inquiries from financial companies and car companies that I did NOT AUTHORIZE! I tried contacting the bureaus but got the run around for months it's ridiculous. This is my 2nd complaint because I noticed 5 additional inquiries that I did NOT AUTHORIZE ......
Consumer complaint received 2022-10-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

The XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
15 U.S.C. Section 602A States I have the right to privacy.

15 U.S.C. 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 ) states : no consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records of conviction which antedates the report by more than seven years.

15U.S.C. 1681s-2 ( a ) ( 1 ) 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.
Consumer complaint received 2024-08-17
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)

My account with XXXXXXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXXXXXX 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. XXXXXXXX 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 2022-06-27
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: CAINE & WEINER COMPANY, INC. (FL)

I was XXXX when my mom placed car insurance under my name. I did not sign nor was I aware of this. By law they can not report me to credit bureau. AXXXX XXXX XXXX can not be reported. I will pay what is owed but they need to remove from my credit or I will take legal action.
Consumer complaint received 2024-12-15
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (WA)

XXXX ( XXXX ) XXXX This number calls me almost every single day, twice a day. Starting XXXX I receive a call. I never get left a voicemail. When I have picked up in the past there has been static. One day I picked up and a robocall for Citibank was announced and I hung up.
Consumer complaint received 2022-10-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2022 I filed a Consumer Financial Protection Bureau complaint ( complaint # XXXX ) against Transunion. The investigation was complete on XX/XX/2022 and the XXXX XXXX  account that was on my transunion report ended up being deleted, I recently checked my credit karma transunion profile and it says that my XXXX XXXX  account was closed on XX/XX/2022. How did the account go from being deleted from my consumer report on XX/XX/XXXX, then about XXXX weeks later it's reported as closed? this is inaccurate credit reporting and i request that transunion delete the account from my consumer report instead of having it reported as closed. I've attached proof below.