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

My accounts 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 to be removed/updated.

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.

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!
Consumer complaint received 2024-10-10
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. (AL)

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 XXXX 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 2024-10-10
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. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2022-04-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Credit Karma (NV)

Im XX/XX/2022 I filed a dispute with credit karma. I had never received my card in mail. My tax return was loaded onto the card. I received a refund anticipation loan for {$1000.00} abb no then my tax return for {$11000.00} and the only thing I m used the account for was two bank transfers one for {$5000.00} in XX/XX/2022 and another for {$4500.00}. I used the virtual card number on my XXXX XXXX and I used it to pay my gas bill to XXXX  for {$190.00}. On XX/XX/XXXX. I didnt use it again after that. When I went on to my account all the money was gone. But I still hasnt recorded my card so I disputed what I thought was everything besides the transactions I mentioned that I did. The two bank transfers, XXXX, and XXXX. Credit karma only disputed the ATM transactions which they later denied saying regulation e only covers unauthorized electronic purchases. I will attach the letter they provided. Since then I have tried countless times to ask why find out what is going on and how Im responsible for something when I never received my card. They finally filed a dispute on 4 more of the transactions but have yet to file disputes on all of the transactions even after I have sent screen shots to the email they asked. They keep telling me that the dispute was filed but every date they tell is further and further I will attach emails screen shots as well.
Consumer complaint received 2022-10-12
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. (TX)

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 U.S.C. 1681. 
XXXX XXXX XXXX : acct. # ending in XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX : acct. # ending in XXXX, XXXX XXXX XXXX XXXX XXXX XXXX acct. # XXXX, these companies with these accounts 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 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 can 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 7 years.

15 U.S.C 1681s-2 ( a ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-12
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. (NY)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2022-10-12
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-12-28
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. (NY)

CORRECT INCORRECT INFORMATION ON XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681a INDICATES THAT THERE ARE Exclusions, the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;, 60 DAY LATE PAYMENTS MUST BE REMOVED FROM CREDIT PROFILE.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc (PA)

I was notified by the credit bureaus that a firm was showing up on my credit. They've been there for almost a year now. And they are currently damaging my XXXX XXXX so I went ahead and I disputed it as I dispute it. I requested information from them. They refused, and it's just through all XXXX of the credit bureau directly. I also filed AFT C complaint and sent that over to all XXXX credit reporting agencies as well. I do not own anything from this company called affirm, but they're showing that I owe them money. But then, when I requested documents from them directly from their website and through the credit bureaus. They failed to send me any information in regards to what was purchased. When it was purchased, they failed to show me any kind of billing. Anything like that but then they automatically as soon as I dispute it. It comes back as verified, but they have never verified it. Directly with me, but they continue to damage my credit report. I've tried everything to get them to remove this. Because it's pooing my XXXX XXXX down. I am a victim of identity. Theft, my personal information was also leaked out with about XXXX companies right now. Between XXXX XXXX XXXX XXXX XXXX and XXXX other companies and right now, I'm trying to prevent more fraud being Done to my credit report. But I can not get these people to remove the item. They refuse to verify the item when I had disputed it multiple times but then they want to continue to say that it's verified. So at this point, they're not only violating my rights, the fair credit reporting act, but they also never verify this debt. In order to even post it on to the credit bureaus, I've sent it multiple times to each credit bureau, a copy of the FTC complaint that I had filed. I will also be following a direct complaint with the Attorney General 's office as well. To try to get help removing all of these accounts that are not my accounts and fraudulent activity from being made. Against my credit reporting agencies.
Consumer complaint received 2024-10-10
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. (NC)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2021-03-27
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: I.C. System, Inc. (CA)

I am a victim of identity theft. Due to the XXXX Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX XXXX  I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-10-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I used to have a personal and business account with BANK OF AMERICA and they close both accounts without any reasons. First they close my personal account and than after a few months I received the letter for my business account as well. 
I call several times the call center and also went to the branch but I didn't get any response that could help me to figure it out what makes them don't want me as a client any more. 
This is causing me a lot of problems as I need to have a bank account to operate my business and also to pay my personal bills and I don't know how to handle these situations since it happened again at XXXX BANK.
Consumer complaint received 2022-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America Account number : XXXX Case number : XXXX I wrote to Bank of America about the ongoing dispute that I have with the company XXXX XXXX Florida XXXX. On XXXX XXXX XXXX, I negotiated a contract with this company for the gutters installation on my property. They gave me a quote of {$2300.00} to replace old gutters with 6-inch seamless gutters in white. On XX/XX/2022, the company installed the gutters while I was not home. I agreed to pay the balance of {$2300.00} after I came home and inspect the work. I came home after XXXX XXXX. I reached out to the representative XXXX by text at XXXX to offer to make payment. I was told that they can do a credit card payment only. They did not accept any other form of payment. He was also pressuring me to pay that day. He would not offer to return to pick up cash. My hands were tied so I gave him my credit card information. He said there would be a {$25.00} charge to bill on my card. I was very angry at this point. But he insisted that he got paid that instantly. 
After I got rid of him by providing my credit card information, I reviewed my charge online and I noticed he charged my card {$2500.00}. I was so upset, and I call and texted him back that night. I did not hear back until the next morning. He realized he did not charge me correctly and he offered to reimburse me for {$100.00}. I explained he overcharged me XXXX and asked for that amount to be credited to my account. He replied no, he will only give back {$100.00}. I then call my credit card company to report this bait-and-switch tactic that the company was using. Little did I know that Bank of America does not have the balls to stand up and fight for customers when it comes to these types of disputes. Bank of America has received my copy of the dispute, for the past three months but refuses to move to solve this problem. Instead, Im asked repeatedly to prove myself. I have called on multiple occasions to solve this problem with the credit card company and have not gotten anywhere. Im attaching the text messages that I had with the horrible company for review and the quote I received from them.
Consumer complaint received 2021-09-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NY)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2022-04-05
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. (IN)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2022-04-05
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. (GA)

The accounts in question have not been removed and I have submitted multiple documents showing the error. I have attempted multiple occasions to get this issue resolved and these accounts removed. This is hindering me from moving forward with home purchasing.
Consumer complaint received 2021-06-22
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

These are not my accounts and I want them deleted. 

XXXX XXXX XXXX XXXX XXXXXXXX Unverified Account XXXX XXXX XXXXXXXX XXXX Never paid late XXXX. XXXX XXXX XXXXXXXX Not my account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/1979
Consumer complaint received 2021-09-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XX/XX/2021text messageabout a debt to Bank of American $ XXXXthat was late. I dont have an account with this company. Received nothing in the US mail or by email about this info. The text was from XXXX. Im a member of XXXX  & I filed a complaint through them. I also blocked their contact info.
Consumer complaint received 2022-06-27
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. (GA)

They have violated my rights and have violate the Fair Credit Reporting Act, Despite several written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They are required under the FCRA to verify that this information is mine and is correct. In the results of their first investigation and subsequent reinvestigation, they stated in writing that they verified that these items are being reported correctly ; but have not provided a reasonable method of verification as required under Section 611 ( a ) ( 7 ). To date, they have NOT provided me a copy of ANY documentation. They are in violations of the following listed below : 15 U.S.C 1691 section 602a-states I have the right to privacy 15 U.S.C 1691 section 604a section 2 : It also states a consumer reporting agency can not furnish a account without my instructions. 
15 U.S.C 1692 c : States No Communications without the prior consent of the consumer 15 U.S.C 1692 b : States No Communication without the prior consent of the consumer given directly to the debt collector FCRA Act Section 611 States : gives me the right to request an explanation of the verification method you used.

FACTA act, SEC 312 ( b ) and ( c ) : States to provide Verifiable Proof ( This should be hard evidence that goes all the way back to the original creditor, not verification from a third-party database. )
Consumer complaint received 2022-10-12
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. (CA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 3. Validate Account XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2021-09-09
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. (TX)

I recently pulled my credit report and noticed that I have been a victim of identity theft. I did not authorize any company/person to pull my credit in regards to the items listed below. All of the following inquiries were not authorized by myself : XXXX reported on ( XXXX ) XX/XX/2020 XXXX/XXXX XXXX reported on ( XXXX ) XX/XX/2020 XXXX XXXX reported on ( Transunion ) XX/XX/2020 XXXX XXXX reported on ( XXXX ) XX/XX/2020 XXXX  XXXX reported on ( XXXX ) XX/XX/2020 XXXX XXXX reported on ( TransUnion ) XX/XX/2020 XXXX  XXXX on ( XXXX ) XX/XX/2020 XXXX  XXXX XXXX reported on XXXX XXXX ) XX/XX/2020 XXXX  reported on ( TransUnion ) XX/XX/2020 XXXX  reported on ( XXXX ) XX/XX/2020 XXXX  XXXX/ XXXX reported on ( XXXX ) XX/XX/2020 XXXX XXXX reported on ( TransUnion ) XX/XX/2020 XXXX reported on ( XXXX ) XX/XX/2020 XXXX reported on ( XXXX ) XX/XX/2020 XXXX reported on ( TransUnion ) XX/XX/2020 A Police report was filed with XXXX COUNTY TX POLICE DEPT