davidheineman/consumer-finance-complaints-large huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX accordance with the Fair Credit Reporting act 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 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I did a review in my credit report and noticed that I had overdue payments in some accounts that I have never been overdue and accounts that I have never paid late and I see late payment and accounts in collection that do not belong to me I ask that these payments be updated or remove the late payments if it does not have solutions
Consumer complaint received 2022-10-02
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 USC 1681. 

XXXXXXXX XXXX XXXX XXXX  : # XXXX, XXXX  XXXX XXXX XXXX : # 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 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 2022-09-27
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: PORTFOLIO RECOVERY ASSOCIATES INC (MT)

HI, I have been disputing this fraud account on my credit reports for years!! I have wrote numerous validation letters to the collection agency through the years & they have no proof this is my account, I explained to them it's not mine, & IM A VICTIM OF FRAUD/Identity theft! I never opened an account with XXXX XXXX & then XXXX XXXX  sold it to Portfolio Recovery Associates on XX/XX/2021! This collection company has violated my rights several times by ignoring my requests & reporting fraud on my credit reports. I have no contract with Portfolio Recovery & they keep sending a copy of a bill with my name on it, any one can use your info & create an account! It's against the law for a 3rd party collection agency to report on my credit reports with no validating contract & signature, for more than 120 days. I am fed up with this company! I deserve for this fraud to be off my reports asap. I have already filed an identity report with the federal trade commission & they still are illegally reporting this fraud account on my credit report. I appreciate if they remove this fraudulent acct. ASAP It is hurting my credit & I don't deserve this, when it doesn't belong to me! THANK YOU!
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. (FL)

My account with XXXX 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 ( MONTHS REPORTING LATE ) 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. 

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
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. (NY)

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 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. (UT)

In accordance with the fair Credit reporting act XXXX  Account # XXXX : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 customer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION (FL)

PENTAGON FCU - XXXX XX/XX/2022 I talked to a representative at PENTAGON FCU XXXX XXXX about this issue that I saw posted on my credit report and they told me they understand this error and would have this hard inquiry remove from my credit report due to invalid authorization.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the fair Credit reporting act Credit bureau systems {$880.00}, last reported XX/XX/22. XXXXXXXX XXXX XXXX {$110.00} last reported XX/XX/22. XXXX XXXX {$740.00} last reported XX/XX/22 XXXX XXXX XXXX {$640.00} last reported XX/XX/22. XXXX XXXX XXXX {$250.00} last reported XX/XX/22 XXXX XXXX XXXX  {$52.00} last reported XX/XX/22. 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 with out my written instructions.
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. (GA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have a right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also stated a consumer reporting agency can not furnish an account without my written instructions In accordance with the Fair Credit Reporting Act, XXXX. XXXX, XXXX Account # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have a right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also stated a consumer reporting agency can not furnish an account without my written instructions In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have a right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also stated a consumer reporting agency can not furnish an account without my written instructions
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. (WI)

In accordance with the Fair Credit Reporting act 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 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: Experian Information Solutions Inc. (SC)

I am a live single human being typing this narrative! 

In accordance with the Fair Credit Reporting Act. 
The list of accounts below have violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX ACOUNT # XXXX XXXX ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXXXXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX   ACCOUNT # XXXX XXXX XXXX XXXX XXXX  ACCOUNT XXXX XXXX XXXX XXXX XXXX  ACCOUNT XXXX XXXX Have violated my rights XXXX 

15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information, any 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 the information is inaccurate
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: Experian Information Solutions Inc. (CA)

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled and updated quickly. XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
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. (CA)

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled and updated quickly. XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
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: Experian Information Solutions Inc. (FL)

I sent a dispute letter to Experian for my XXXX account on XX/XX/2022 simply asking for them to validate the account. They completely re-aged the account and reported payments that I had not made on the account in order to change my date of last activity. I disputed it again and made it known to them what they did. They updated the account, so it no longer was re-aged, but there are so many errors on this account that they have not corrected and are still reporting false payments among other things. I have already sent 3 letters about this account, and it is highly damaging to my score with all of the false and incorrect information.
Consumer complaint received 2022-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

Experian doesn't clear erroneous information in my credit file. They need to involve real people in the processing of disputes. Not XXXX  foreigners at the phone that are unable to understand English.
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: AmeriCollect (MO)

As of XX/XX/2022 Americollect Collections added to my credit report 4 collections in the amount of XXXX, XXXX, XXXX, and XXXX also, on XX/XX/2022 add one more collection in the amount of XXXX for a total of 5 collections. These collections have been added to all three of the credit bureaus. They have tried to reach me by phone several times after I asked them not to contact me any longer. This consumer agency has violated several laws 15 U.S.C. 1681 Section 602 A ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 U.S.C 1681 Section 604 A ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

15 U.S.C 1692 Section C ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2024-12-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC (LA)

In complaint XXXX, Shellpoint ( also known as Newrez ) conceded it had erroneously charged me a late fee and said it " waived '' a fee of {$44.00}, but it hasn't. No fees have been waived or refunded. According to my upcoming statement, XX/XX/year>, it lists {$88.00} in fees that I paid to date. These cascading fees are the result of Shellpoint 's error with my escrow and are what need to be refunded. I do not yet see any indication of a balance adjustment on my account.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the fair credit reporting act : XXXX XXXX Acct # XXXX XXXX  XXXX Acct # XXXX XXXX XXXX Acct # XXXX -XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX -XXXX XXXX XXXX Acct # XXXX -XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Acct XXXX XXXX Had violated my rights. 
15 U.S.C. 1681 section 602A states I have the right to privacy 15 U.S.C. 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
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. (CA)

I called the 3 credit bureaus after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was an incorrect account : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT XXXX and hoping that this XXXX XXXX XXXX  Late payment XX/XX/XXXX 30 days late will be removed.
Consumer complaint received 2023-08-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (OR)

Wells Fargo is still finding ways to discriminate against myself. I received an email stating my XXXX XXXX was no longer accepted as an address. 
I travel and live in my converted XXXX, XXXX for bid they call me homeless and less the a human! I do not have a permanent physical address. I am a divorced woman, retired and a XXXX senior citizen. Wells Fargo continues to find and cause as much anguish as possible because they do not like my kind! 

I AM TIRED OF APOLOGIZING FOR MY LIFESTYLE! I AM OVER 30 YEARS CLEAN AND SOBER HELPING OTHERS, PAYING FORWARD AS MUCH AS I CAN BEFORE I DIE! 
WELLS FARGO HAS DONE NOTHING BUT AGGRAVATE AND DISCRIMINATE! 

The letter I received from Wells Fargo threatening to close my account XX/XX/2023. I have four ( 4 ) direct deposits from government agencies that take over three months before direct deposit can be changed, not to mention trying to find a bank that isnt as corrupt as Wells Fargo. 
I have had this checking account for almost five ( 5 ) years. I will contact legal help for this discrimination and hardship Wells Fargo has caused me. 
I had a trip planned for my birthday XX/XX/XXXX, but now I have to worry about Wells Fargo stealing my money! 
I tried calling wells fargo customer service I was treated rudely and hung up on!
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

All accounts that you have also the one hard inquire you have in your records They violated my rights under 15 U.S.C 1681 section 604 A section 2 : the law clearly states a consumer reporting agency can not furnish a account without my written instructions They also violated my rights under 15 U.S.C 1681 SECTION 611 ( 2 ) ( A ) : the law clearly states the credit bureaus have 5 days to notify me from when they receive s my dispute They also violated my rights under 15 U.S.C 1681 SECTION 611 ( 5 ) ( A ) ( l ) ( ii ) .The law clearly states if items are found inaccurate or can not be Verified the consumer reporting shall promptly delete the information from the consumer.
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. (PA)

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.

1. U.S. DEPARTMENT OF EDUCATION XXXX XXXX. XXXX XXXX XXXX XXXX. XXXXDEPARTMENT OF EDUCATION XXXX 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 reporting containing any of the following items of information. Any other adverse items of information, other than records of convictions of crime 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.

Also I reading the FCRA and noticed the Credit Reporting Agency violated these Laws as well.

15 U.S.C. 1681 ( a ) ( 4 ) 15 U.S.C. 1681a. ( e ) 15 U.S.C. 1681b. ( A ) ( 2 ) 15 U.S.C. 1681i. ( 5 ) ( A ) ( i )