davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have disputed the referenced accounts to the 3 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 FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) 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 the 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 5 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 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-11-21
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)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 item/accounts/information below : ( item/accounts/information ) XXXX XXXX XXXXXXXX Balance : {$27000.00} XXXX : XXXX XXXX XXXX Balance : {$27000.00} XXXX : XXXX XXXX XXXX Balance : {$28000.00}
Consumer complaint received 2024-12-17
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: Fidelity National Information Services, Inc. (FNIS) (CA)

contacted chexx systems who had a negative closed checking account from XXXX XXXX XXXX XXXX on my chexx systems credit profile. the account was the result of identity theft. i submitted the identity theft report filed with the XXXX and the local police along with every other requires document that is required to get fraudulent information that is result of identity theft, taken off the account. still they did not remove the negative information and they blocked me from being able to access my credit profile on their website.
Consumer complaint received 2022-07-27
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 (FL)

I paid the full amount due on the card on XXXX at my bank it was electronic transferred to Bank of America on XXXX my due date was XXXX they are charging me interest and late charges now they say they go bay the posting date. I said my statement say 's XXXX nothing about a posting date I think if they are going by the posting date it should say so on the bill I called them could not get it change If this procedure is correct someone should notify me in advance Thank you
Consumer complaint received 2022-11-04
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. (FL)

In accordance with the Fair Credit Reporting act Account : XXXX 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 a account without my written instructions.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

To Whom It XXXX Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( XXXX ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX, XXXX XXXX, FL XXXX HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX NAME XXXX DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2022-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Conduent Incorporated (IL)

My card was copied at a XXXX XXXX XXXX atm that l use. On XX/XX/22 l used my card for a withdrawal for {$420.00} someone did a balance inquiry first they took {$100.00} and then {$300.00}. The next day l tried to use my card purchase was denied. Come home called the customer service. I sent emails gave written statements. Told them this wasnt my transaction. I already knows how much was on my card. I call never do a balance inquiry. I dont know why its been so hard to get my money back. I filed a police report and they still denied me.
Consumer complaint received 2023-03-31
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)

I submitted a complaint on XX/XX/XXXX about a XXXX  XXXX account on my credit report you have responded through the cfpb that the account doesn't exist on my credit report how could that be when I provided facts directly from my credit report? I do not believe that you did an investigation into this account you are now required to prove that you did an independent investigation and you didn't just parrot me. if you can't do that, this account needs to be removed. 

( complaint submitted on XX/XX/XXXX ) XXXX  XXXX sold the debt to XXXX XXXX  and send me a letter in the mail stating that XXXX OWNS THE ACCOUNT. I have disputed the accuracy of this account and yet it has always come back as accurate/ verified. FCRA 623 ( a ) ( 2 ) requires that a party who has reported information to the CRA must promptly update that reporting as necessary to maintain its current accuracy. Thus, the XXXX XXXX XXXX was required after their sale of the debt to portfolio recovery to promptly update the current balance to {$0.00} since no debt is therefore owed to them. Which they have never done no matter how many times this account was disputed. Both XXXX XXXX XXXX XXXX can not report a balance only XXXX ( EXPERIAN RESPONSE ON XX/XX/XXXX ) Company 's Response Thank you for submitting your dispute on XX/XX/XXXX, through the CFPB Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. In your dispute, you indicate that there is an inaccurate account appearing in your Experian credit report. You are requesting that the inaccurate account be removed from your credit report. According to our records, the disputed account does not appear on your current Experian credit report. We are in the process of mailing a report to you for review and confirmation. Please note that mailed correspondence may take up to 10 days for delivery through the US Postal system. For additional assistance, you may call the toll-free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX XXXX  XXXX, XXXX, XXXX  XXXX XXXX For more information regarding your credit and frequently asked questions, you may visit : XXXX XXXX XXXX. Please note that you may also submit your request or documents supporting your claim electronically at www.experian.com/upload. You may also visit Experians dispute center by visiting www.experian.com/dispute. Thank you for submitting your dispute through the CFPB Portal. It is our policy to respond to consumer disputes swiftly and to take each dispute seriously. We appreciate you letting us know about your experiences with Experian.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

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 XXXX
Consumer complaint received 2022-07-27
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XXXX XX/XX/2018 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX OF XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Consumer complaint received 2022-12-16
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. (FL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-09-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Recovery Systems, Ltd (IL)

This is not a duplicate complaint. It is a new complaint about the same company. Account was paid by XXXX. Company is saying that it meets all requirements of fair reporting act. I am not disputing that the account didn't exist just that I don't owe it. They removed it due to account being closed on my other credit reports so they know I don't owe them.
Consumer complaint received 2023-03-21
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. (MO)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3700.00}.
Consumer complaint received 2022-07-05
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2023-03-21
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: EQUIFAX, INC. (TX)

In my last complaint regarding equifax, I requested evidence and proof that the alleged derogatory items ( late payments/collections/chargeoffs are being reported accurately. 

In their response to you on my last request for proof and evidence of any alleged late payments ( proof that i didnt pay and/or pqid late as they alledge, proof that any contract exist between the collection agency and myself with my wet ink signature on said contract and my demand for proof of permissible purpose for all Unauthorized and unverified hard inquiries ( with proof ), the provided ZERO of the information I requested. If they can not provide proof of the alleged derogatories/delinquencies they are listing on my consumer report, it is simply because they can not provide such proof as no proof exists. With that being said per FCRA they are violating my right to privacy, proving that not once but 2 times now they have failed to provide any proof nor evidence that a proper investigation nor reinvestigation was performed which is a 3rd violation of federal law, and zero proof that they had any permissible purpose to provide my personal, non public information to many creditors they have listed as fraudulant hard inquiries as proof of such. Hard Inquiries are not a Factual record as they claim when they can't provide proof of the many alleged " Factual information '' they alledge. In fact per fcra they are prohibited from reporting anything on my consumer report with my written consent. This is an absolute disgrace and they should be ashamed for 1. Reporting without consent 2.completely disregarding the laws set forth in 15 USC 1681 on multiple occasions and 3. Lying to you, the CFPB who's job it is to regulate them and has failed to-do such. My next complaint will be tomthe XXXX, FTC, and TX attorney General.
Consumer complaint received 2023-07-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

The banker at Bank of America in XXXX XXXX XXXX said, I was approved of the government PPP forgiveness loan for my small business XXXX XXXX XXXX. But I never received the {$100000.00} ( XXXX XXXX XXXX XXXX/100. ) government PPP forgiveness loan money from Bank of America?