davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CT)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2022-07-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Optimum Outcomes, Inc. (WI)

On XX/XX/XXXX this company issued four separate medical debt bills to my residence by mail. I wrote up a letter asking to validate the debt by sending a full breakdown of each bill, a copy of my signature with the provider of service to release my medical information to the debt collection agency, and to cease any credit bureau reporting until the debt has been validated by me. In the letter I asked that they respond within 30 days of receiving the letter. 

I sent the letter by certified mail and have proof that the letter was collected on XX/XX/XXXX. Two months later on XX/XX/XXXX I received a second copy of the same bills they sent back in XXXX. None of the things I asked for were included in the packet of papers. 

I then composed a second letter once again asking for the debt to be validated by both an itemized bill and my signature with another time limit set to 15 days from receiving the letter as they already had two months to attempt to find what I asked for. 

Once again I sent the letter by certified mail and have proof that the letter was received on XX/XX/XXXX. On XX/XX/XXXX, well over a month from the date they got my letter, I was sent only the itemized bill of all fee 's and charges for the medical debt but not my signature. 

My complaint is that I asked for the debt to be validated and over four months from the first time I sent my letter they have only provided half of what I asked for as proof to validate it. I was being more than reasonable with time limits to find what I asked for and there was no communication by the company asking for more time or even trying to explain why they could not provide what I required to validate the debt.
Consumer complaint received 2022-12-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (ID)

i have contacted jefferson capital syst for a debt validation letter so many times but they did not provide it to me. then i received a letter from another third party named XXXX XXXX who said to be representing this same debt. i requested for debt validation again but none was sent to me. this matter is confusing as this looks suspicious. different companies contacting me that they are representing another third party company. i do not recognize any of this so i am asking them to stop contacting and delete this off my report.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My account with was never late! I have had exceptional payment history witH XXXX 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.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-10-10
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. (PA)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX  - XXXX - XX/XX/year> - {$00.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2021-10-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: TransferWise Ltd (SD)

On Thursday, XX/XX/XXXX a client attempted to pay my company {$4000.00} via XXXX for services and an error message came back We can not currently accept payments to this recipient. 
XXXX couldnt or wouldnt tell me what the error was, so I accepted money from this client a different way but then transferred the money from that payment method into my companys XXXX account. 
I transferred {$5000.00} on XX/XX/XXXX to my companys XXXX XXXX  account from another method my company accepts payment. This transaction was simply a transfer between company accounts. 
On XX/XX/XXXX, I attempted to transfer {$150.00} to a member of my company. When I initiated that transfer, an error message popped up : " We can not currently accept payments to this recipient. '' The same message my client had gotten a week earlier. I tried to send the money to myself, a XXXX of the company. Same error message. 
The member of my company contacted XXXX support team. My business partner told me XXXX wouldnt talk to him, so I talked to Wises support team myself via phone on Monday XX/XX/XXXX about my issues with my XXXX account. They said they would email me a response about my issues within 2 business days. 
On XX/XX/XXXX, more than 2 days of waiting for XXXX response, I tried to login to my wise account on a mobile device. I couldnt. I tried again and I was prevented from logging in again. 
I attempted to login from a laptop on XX/XX/XXXX and an error message popped up when I tried to login to my account : Sorry, we deactivated your account. Read more in our Help Centre. 
Their help center was unhelpful as it stated that they cant tell me why they decided to shut down my account. 
I submitted an appeal to XXXX through the form online and gave them the details of one of my bank accounts to transfer the XXXX XXXX XXXX that I had between my XXXX accounts in the case they didnt accept my appeal. 
My business partner told me on XX/XX/XXXX that XXXX had closed two other company bank accounts we held with XXXX. We now had even more money that was being held XXXX by XXXX. 
On XX/XX/XXXX XXXX emailed me about my appeal. Weve decided to keep your account closed. And Weve checked the info that you sent us and we wont be able to send you the refund. They werent going to send me the {$5100.00} of company revenue in the account they closed. 
I emailed 3 of their support emails ( XXXX ; XXXX ; XXXX ) with a quote from their Customer agreement and stating that if I didnt hear back from support within 72 hours I would initiate legal action because its illegal for a money transmitter to steal money from their clients. 
XXXX has not contacted me via email since their appeal decision on XX/XX/XXXX. 
I want the {$5100.00} that XXXX stole from my company returned to me.
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Sezzle Inc. (PA)

I, XXXX XXXX, have reviewed my consumer reports and noticed theres inaccurate information on my credit report.. 

( Original Creditor : Sezzle Inc. ) ( Collection Agency : XXXX XXXX ) Account # XXXX Consumer reporting agencies have assumed a role and responsibility to report consumer information to the best of their ability with maximum accuracy. This is the law according to the FCRA. 

I have contacted ( Original Creditor : Sezzle Inc. ) ( Collection Agency : XXXX XXXX ) Account # XXXX and asked for them to investigate and remove the inaccurate account from my consumer report that they are illegally reporting and have requested the original application bearing my signature. Such proof clearly hasnt been provided. This is a violation of the FCRA. This disputed item should not appear on my consumer report. 

( I have provided a preponderance of evidence that the account does not belong to me and is a direct result of identity theft. )
Consumer complaint received 2022-10-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (TX)

Spring Oaks Capital LLC has reported a debt collection on my credit report. I have never heard of this company. This company has a debt in their office claiming that I am liable for this debt and the original creditor is XXXX XXXX XXXX XXXX. I have never heard of any of these companies. I am concerned where both companies have received my information.
Consumer complaint received 2022-06-14
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. (TX)

Experian is publishing non-compliant account ( s ) on my credit profile and distributing them to 3rd parties. They are INTENTIONALLY DAMAGING my reputation, are infringing on my unalienable rights to privacy and damaging my credit worthiness. These companies reporting are not compliant with XXXX. Please see the attached notice of complaints sent to Experian.
Consumer complaint received 2021-10-20
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. (FL)

My identity was stolen. I submitted affidavits to Experian. They blocked the item from my report. Nearly 2 years later they reinserted the information. I have sent multiple affidavits to Experian as they claim they did not receive.
Consumer complaint received 2022-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am XXXX XXXX submitting this complaint on my behalf there is no third party involved. On XX/XX/2022 My billing error dispute ( Exhibit Included ) was delivered to XXXX XXXX This Company has refused to acknowledge receipt of the documents they are furnishing inaccurate and incomplete information on my consumer report which lacks accuracy and integrity pursuant 12 CFR 1022.41. I have included in my Exhibits the proof of delivery along with my pre arbitration demand letter. This shall serve as my second and final notice of an error that I am disputing in my bill and demanding XXXX XXXX make the appropriate changes necessary to properly reflect my account. The inaccurate information has caused me the inability to obtain credit for my personal, family and household use. XXXX XXXX Is furnishing information without accuracy to TRANSUNION, XXXX AND XXXX which lack a great deal of integrity which has caused substantial harm.
Consumer complaint received 2022-10-18
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. (GA)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (VA)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX E-mail : XXXX Phone : ( XXXX ) XXXX Date : XX/XX/XXXX Subject : Dispute of Unauthorized Hard Inquiries on Credit Report To Whom It May Concern, I am writing to formally dispute several unauthorized hard inquiries that have appeared on my credit report. These inquiries are listed below on XXXX, XXXX, and Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I do not recognize these inquiries, and I believe they are the result of identity theft. I did not authorize anyone to inquire into my credit on these dates. These inquiries are suspicious and potentially fraudulent, as I have not applied for credit with these institutions or authorized any transactions with them. 
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or unauthorized information on my credit report. These unauthorized inquiries could adversely affect my credit score and financial standing. 
I request that you investigate these inquiries promptly and remove them from my credit report as they are unauthorized and potentially fraudulent. Please provide me with a written explanation of your investigation results and any actions taken. 
Enclosed are copies of my identification documents and any other relevant information to support my dispute. Please contact me at the above phone number or email address to confirm receipt of this dispute letter and provide updates on your investigation. 
Thank you for your prompt attention to this matter. I look forward to your response within the timeframe required by law. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-10-18
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. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I charge XXXX on my XXXX XXXX XXXX  every month an pay the balance in full as soon as posted.that meansat least 2 weeks before due date.enery month XXXX and transunion pick up the charge and drop my fios score XXXX points, 2 weeks before due.then whenever they are ready they correct my score, HOW DO I MAKE THEM STOP or file a legal complaint.
Consumer complaint received 2022-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

Bank of America - free Spirit Card, I paid off balance in full before the due date to close the account. They charged me interest anyway- {$1.00}. There is no way to get ahold of them on line and the cost of postage is near what this fee is. I believe this is their way of making it that you can never pay off your account, they will always be charging you interest.
Consumer complaint received 2021-10-18
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: EQUIFAX, INC. (LA)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2021-10-18
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. (TX)

I have been working on my credit for several months. I filed an FTC report as well as wrote letters to the credit bureaus. I have not received any notification about any advances on the updates for my credit report. This is against my rights and my next step is to filer for litigation of the information is not corrected.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

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