davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-12
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: Experian Information Solutions Inc. (TX)

This is a followup complaint due to my first complaint being returned as fraudulent. I am the sole person completing this complaint without the help of another party. I take my credit file very serious and I know that the credit reporting agencies are committing fraud against me. It is either the Experian or XXXX or the companies that pay them to report invalid and incorrect information on my report. Pursuant 15 USC 1681 ( a ) ( 1 ) Congress states that the banking system is dependent upon my credit file to be fair and accurate. The listed items I have continued to have the credit report agencies correct have fallen on XXXX  ears and XXXX eyes. I am giving my written instruction now and demand that the following be removed from my credit report : XXXX, XXXX, XXXX, XXXX, XXXX XXXX ( misspelling of my name ), XXXX  XXXX Bankruptcy XXXX and XXXX ( this is NOT MINE ), XXXX XXXX and XXXX XXXX  XXXX ( this is NOT mine ) XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, Y ( misspelling of my name )
Consumer complaint received 2022-05-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Complaint # XXXX - I sent in a complaint and was informed that it they thought that it wasn't me but I am XXXX XXXX I am still having the same problem before with this bureau and need this situation handed! I've sent in several letters to get this handle in a timely manner. My student loan account was in forbearance and should have not been reporting LATE EVER!!!!! 


Also there're a few inaccuracies on my profile that they have yet to response and remove accounts due to inaccuracies on my report and according to ( FCRA ) 15 U.S.C. {$1600.00} all accounts suppose to be 100 % accurate. which these accounts are not! FCRA 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) Duty to provide notice of disputeIf the completeness or accuracy of any information furnished by XXXX XXXX reporting agencyis disputed to suchpersonby aconsumer, thepersonmay not furnish the information to anyconsumer reporting agencywithout notice that such information is disputed by theconsumer. Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to loose out on offers due to reporting this inaccurate item and not notating it was disputed. 15 U.S. Code? 1692e.False or misleading representations- ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputeddebtis disputed. Under FDCPA15 U.S. Code? 1692e.False or misleading representations- ( 8 ) you allowed this debt collector to violate my right.. I disputed these items inaccurate over 35 days ago and you havent notated is as disputed. Which cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed. The items below should all be removed from my consumer report under 15 USC 1681s-2 ( 3 ) and 15 USC 1692e ( 8 ) violations.
Consumer complaint received 2022-04-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION (NE)

I've been trying to close my 5/3 checking account for several months now. Every time I call, they come up with a different reason why I can't. I've been told, alternately, that I have to close it in person ( I live several XXXX miles away now ) or that I can't close it until the balance is {$0.00}. I finally drew down the balance, and they hit me with a service charge, overdrafted the account, and now I can't close it until I pay off the shortfall. The {$11.00} service charge isn't a lot of money, but the frustration of trying to close an account only to hear one excuse after another is immense. I hope to never do business with 5/3 again.
Consumer complaint received 2022-04-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NY)

Trying to do a settlement on my mortgage because Oc wen/PHH would not modify my loan. 
I made an offer of $ XXXX with a IRS XXXX if needed. we worked on the Settlement from XXXX we had one appraisal in XXXX and one appraisal in XXXX. 
They told us we had to XXXX XXXX, we must get another appraisal. 
All of this is ok but we realized there is a Sale date schedule for XX/XX/XXXX while we are working on the Settlement. 
The first Appraisal was {$200000.00}. ( XXXX ) The Second Appraisal {$220000.00} ( XXXX ) The house needs {$190000.00}. in repairs listed in the appraisal. 

We need time to finish the Settlement. Please stop the foreclosure Sale. 

We never received a notice of the sale from the bank or the bank 's attorney. 
We found out through a person trying to get me to hire them to help me.
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

I recently looked at my credit record and found numerous billing mistakes. Billing errors under U.S. Code 1666 ( b ) are 15. Failure on the part of the creditor to accurately reflect a statement, a payment made by the debtor, or a credit given to the debtor. an accounting inaccuracy of the creditor on a statement that involves computation or a similar error. As far as I'm aware, the creditor didn't send me a statement 21 days in advance, thus this shouldn't be any late payment on this account. These are unquestionably billing issues, thus I demand to see concrete evidence from the creditor 's bank accounts that I failed to pay and was flagged as being past due. The disputed account is listed below. 
XXXX XXXX Balance Owed : {$250.00}
Consumer complaint received 2023-07-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

To Whom It May Concern : This is a very serious matter of Defamation of Character, Identity Theft and Fraud. I am a recent victim of Identity theft and fraud. I have recently reviewed an extensive copy of my credit report included dark web alert ( with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on, XXXX XXXX  and it needs to be deleted/removed from my credit report. This is Defamation of Character and Fraud. I also recieved an alert on my experian account that a recent account has been opened with my social security number at XXXX  XXXX XXXX, The claim # is : ( XXXX ) that does not belong to me. Please help. 

THIS ACCOUNT LISTED BELOW IS NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 

FTC REPORT # : XXXX THE POLICE REPORT # : XXXX I DEMAND THIS ACCOUNT LISTED BELOW THEY NEED TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY!. 



Collection Account :, XXXX XXXX  Account Number : XXXX delete it from my credit report. 






Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-10-25
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 account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history 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 to be 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. 


XXXX EXPERIAN 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! 


Update the late payments from my consumer reports
Consumer complaint received 2022-07-23
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: CLGF Holdco 1, LLC (FL)

I have reported charges that were fraud on my credit card from XXXX and made a dispute with CB indigo which is through genesis fs and they stated an investigation would take 30-60 days and nothing has been done with taking these charges off my account. This credit card company has been charging me late fees on this account when they do not belong to me since i never made these purchases. I am disputing this account since I have now closed this and want to find remedy in the credit card company zeroing out this account since they never completed an investigation
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

capital one - XXXX  ending XXXX this card was open without my permission a fraudulent account i didnt notice until i settled the amount for less then the original amount because it was harming my credit. 
i contacted capital one about this issue and they told me that this account appears charge off and writing off so they couldnt do anything unless i settled the debt which i found weird, because of my situation they say the only way i get this removed and deleted and to get my information updated i had pay for deletion or pay for delete which since i have XXXX accounts with them capital one for a long time, i trust them and settled the amount! 
i dont know if the debt collector wanted the settlement and denied the issue at hand the reason why i call was because this not my account!!!! it was a fraudulent account!!!!! and they straight denied me, and when on settling they debt. also i verify they was going delete the inaccurate information before i pay them and they say yes over the phone which they never did and honestly i just want to fix this issue which is affecting my life and i dont want this to happen to anybody else because i love banking with capital one but they didnt hear my issue out when ahead and did whatever they wanted and did a horrible job at the time of this call all i want is for them to fix this issue thank you.
Consumer complaint received 2022-04-04
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: AFNI INC. (AL)

I checked my credit report in preparation to buying a home and discovered accounts that I did not authorize. I have reported the attached accounts to all three credit reporting agencies and they have not corrected this information. I filed Identity theft packets as directed by the police and investigators to have these fraudulent accounts removed immediately. No action has been taken to remove these fraudulent accounts.
Consumer complaint received 2022-10-03
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (AL)

My balance on my commenity credit card from Lane Bryant had a balance of around {$290.00} that needed to be paid. I went online and selected to pay the whole amount off in one time in XXXX of 2022. Somehow they did not take {$2.00} off of my account and didnt try to contact me until around XXXX. My account is now up to a {$84.00} balance that I supposedly owe. The first time I called I stayed on the phone for almost an hour and the man told me he had fixed the problem and that I would not have to pay any of the fees after he took the {$2.00} off of my account. After the money was taken off of my debit card the credit card was supposed to be canceled. There is still a balance of {$84.00} and still growing because they will not take the fees off. I have called them 4 times and every time I get told that they are going to fix the problem they hang up on me. Ive tried getting help from the company, but they are not interested and would rather hang up and keep charging me late fees.
Consumer complaint received 2022-04-04
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. (OH)

I have other names social security numbers addresses phone numbers and accounts that have never belonged to me in my reports and XXXX XXXX and Transunion keep showing this information against my person
Consumer complaint received 2022-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TRANSUNION AND XXXX CONTINUE FURNISH FALSE INACCURATE INFORMATION IN REGARDS TO INACCURATE ACCOUNT STATUS ON A COLLECTION ACCOUNT WHICH SHOULD BE CLOSED THE ACCOUNT IS XXXX XXXX XXXX XXXX XXXX I ALREADY INFORMED BOTH XXXX AND TRANSUNION OF THE INACCURACIES THEY CONTINUE TO IGNORE IT WHICH IS A VIOLATION OF 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

THE ACCOUNT STATUS IS INACCURATE SHOULD BE CLOSED OR REMOVED THE DATE OF LAST ACTIVITY IS INACCURATE FALSE REPORTING TWO DIFFERENT DATES CLEARLY NOT 100 PERCENT ACCURATE AS THE LAW STATES ALSO THE CREDIT BUREAS HAD THIS ACCOUNT CLOSED THEN SUDDENLY OPEN PROOF IN THE ATTACHMENTS AND NEVER TOLD ME I NEVER GAVE WRITTEN CONSENT OR AUTHORIZED ANYONE TO FURNISH ON MY REPORT
Consumer complaint received 2022-04-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC (TX)

I, XXXX XXXX, consumer, natural person, and the original creditor of an open end credit plan, received a letter in the mail from a debt collector. This is mail fraud pursuant to 18 US Code 1841. I am making this complaint against CREDIT CONTROL , LLC for committing identity theft. I have never given CREDIT CONTROL , LLC any permission to use any of my identifying information to commit fraud by contacting me about an alleged debt they claim I owe them. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal and both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I am also aware that the advertisement or publication of a sale or selling of any debt to coerce payment is also known as debt parking in accordance with findings from the Federal Trade Commission and reporting this alleged debt to the consumer reporting agency without validating it with I, the consumer, first is a violation of 15 U.S.C. 1692d ( 4 ). I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until CREDIT CONTROL , LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and CREDIT CONTROL , LLC continues its collection efforts, I will file for litigation for actual damages caused and CREDIT CONTROL , LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and collection of extensions of credit by extortionate means. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2022-10-10
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: EQUIFAX, INC. (NC)

THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATION BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCUARTE, THE DATE LAST ACTIVE IS INACCURATE, AND DATE LAST REPORTED IS NOT ACCURATE. THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2022-04-15
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. (CA)

This account was opened fraudulently by somebody without my knowledge or consent. The name of the institution is XXXX and it was opened on or around XX/XX/2021 in the fraudulent amount of {$11000.00}. I have made many attempts in resolving this issue with both the credit agency and the financial institution. XXXX has not responded AT ALL. The credit bureaus are asking me to contact the bank. I have filed a complaint with the FTC multiple times. Experian is refusing to remove this account. I have outstanding credit and its completely unfair that somebody ruined my entire financial structure. Experian should be held responsible for allowing thieves and fraudsters to cause damage to this extent. They need to protect the citizens not fight against them.
Consumer complaint received 2022-07-24
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)

When I went to the dealership they ran my credit multiple times even though I already had an approval from XXXX on XX/XX/XXXX. All these inquires are fraud! I listed them below. 
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  All these above were ran by a XXXX  out of XXXX Al. I have already did a police report and told XXXX headquarters about their sales team at this location running peoples credit without permission. I already had an approval from XXXX on the XXXX of XX/XX/XXXX for a loan amount of {$22000.00} before I ever went to this XXXX. Attached is my police report and below are other inquires that are fraudulent 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-04
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. (IL)

Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. 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 Transunion more than XXXX times. transunion 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 XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.