davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-03
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. (CA)

My loan payment are always due on the last day of the month and I do an external transfer from XXXX XXXX XXXX XXXX XXXX. I made my external transfer for my XXXX payment but apprently it did not go thorugh. I called in and was told that my external transfer was kicked out because they were doing a system upgrade and that it shouldnt have effected my credit. The problem is that I initiated the external transfer and then was never notified that it didnt go through until 30 days later saying I miss a payment. Again, I was told that it shouldnt effect my credit which it did. This is something that is not in my control that a system upgrade stopped my payment from going through. I saw that i did in fact go on all 3 credit bureaus so I called into speak with someone regarding this and she was very helpful but said something completely different than the previous gentelman. She explained that what was happening was that I was only allowed to transfer {$2000.00} in next day external transfers in a 30 day period and I was going over that so the system was kicking me out. This was never explained to me previously when I called in about the situation. I had no idea there were limits. This is something that should have been communicated to me previously so these incidents did not occur. Not only was I not told about this previously but I was told it happened because of a system upgrade that was out of my control. I also should have been notified immediately that my external transfers to my car payment did not go through and not until 30 days later. This is something that was completely out of my control and should not be reported on my credit which I have disputed several times. it. Not only that it shows that my payments were late in XXXX not XXXX and I have receipts of 2 payments in XXXX. 

I am attaching a copy of my account showing they canceled my transaction as well as the 2 payments I made
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Account # : XXXX To whom it may concern, I am writing to bring to your attention an error in my credit report and respectfully request your assistance in correcting it. I noticed that for the month of XX/XX/2023, my monthly payment was reported as overdue, despite the fact that I had set up automatic payment to be deducted from my bank account on the 29th of each month. 
Upon investigating the matter, I contacted my bank and was informed that due to the 29th falling on a Saturday, the payment was processed on XX/XX/2023. Although I explained the situation to the bank agent and the collection department, they both acknowledged the mistake but were unable to make the necessary correction. 
While I understand that correcting a credit report error can be a cumbersome process, I would like to emphasize the significant impact that this mistake has had on my family and me. Therefore, I kindly request that the overdue payment be removed from my credit report as soon as possible. 
Thank you for your attention to this matter, and I appreciate your assistance in resolving this issue. 
Sincerely,
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (HI)

I had a dispute with a solar panel company. I asked the company to repair my solar panels. They came to my home and did not complete the job. I talked with them for months about completing the job to be paid. We were never able to reach an agreement about the billing and/or the work. They created an invoice and turned it over to a collection agency, XXXX XXXX XXXX. I told the collection agency that I absolutely do not owe this amount. The agency reported this to Experian. I disputed this several times with Experian and asked for the back up documentation to support this on my credit report. They said that they don't have any documentation, only the " word '' of the collection agency saying I owe this. I disputed it 3 times and added a statement on my credit report. They should have to prove that i owe this before placing it on my credit report.
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (DC)

I recently reviewed my Experian credit report, and I noticed a lot of my personal information is still not accurately represented on the credit report and I am in fear of my identity being compromised. I have previously brought this concern of personal identifiable information inaccuracies to your company in XX/XX/2022 ( US CERTIFIED MAIL Receipt # XXXX XXXX XXXX XXXX XXXX ). 
Experian has a lawful responsibility to follow all provisions within the Fair Credit Reporting Act ( FCRA ). Not reporting the correct personal identifiable information is a clear violation of provision 15 USC 1681 ( a ) ( 4 ). 
I am writing to you to ensure Experian update my personal information immediately or I will exercise my right seek lawful remedies for correction of inaccuracies on my consumer report up to {$1000.00} per violation for Experians negligence to comply with duties imposed by the FCRA willful noncompliance. 
Be advised, it is my complete understanding that 15 USC 1681 ( a ) ( 4 ) is a provision within the Fair Credit Reporting Act ( FCRA ), which sets out the permissible purposes for which consumer credit information may be obtained and used by authorized parties. While the FCRA allows for the sharing of consumer credit information for certain purposes, it also includes provisions to protect consumer privacy and ensure that the information is accurate and up to date.

The right to privacy under 15 USC 1681 ( a ) ( 4 ) means that consumers have the right to control the use of their credit information and to know who has access to it. The FCRA requires that consumer credit information may only be accessed and used for specified purposes, such as for reviewing or collecting an account, for employment purposes, or with the consumer 's consent. 
Additionally, the FCRA requires that consumer credit information be accurate and up-to-date and gives consumers the right to dispute inaccurate information and have it corrected. The law also requires that consumer reporting agencies take reasonable measures to ensure the security and confidentiality of consumer credit information. 
In summary, the 15 USC 1681 ( a ) ( 4 ) right to privacy provides consumers with the ability to control how their credit information is used, and ensures that this information is accurate, up-to-date, and protected from unauthorized access or disclosure. 
There is lawful a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CT)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2024-08-15
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: Experian Information Solutions Inc. (CA)

Hard inquiries were made without my consent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-13
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (TX)

I am not the owner of this debt. I do not have an account with this company or the company that is listed that its being collected for, XXXX. I do no have an account with XXXX nor did I take out a loan or open an account with XXXX. I have XXXX XXXX XXXX as my cell provider and have been with XXXX XXXX XXXX over XXXX  years. I disputed this on my credit report and it was not removed and there was even a notation now placed on my report that says it was certified as accurate and correct. This is false and could not have been verified as true and accurate because I did not open the account. This is fraudulent and probably an act of identity theft. It needs to be removed immediately.
Consumer complaint received 2015-06-16
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (IL)

I have told American Education on multiple occasions that I have an attorney against National Collegiate Trust/NCT therefore I am not allowed to discuss anything with them but XXXX rep advised me they would need my address on file even though I have an attorney, this attorney is only representing me against National Collegiate Trust. XXXX rep advised me if it went to court, they have the promissory notes. I never signed any documents with NCT but like I advised her I ca n't discuss anything and I have the calls recorded. I do not want anymore letters from AES until the case is resolved. NCT has my attorney 's information, therefore they should be able to let AES know this information.
Consumer complaint received 2024-08-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2015-10-14
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Empowerment Ventures, LLC (NC)

Rush card sent text messages telling all customers to withdraw what ever cash they needed from there account on Sunday because they where upgrading the system and it would be down Monday from XXXX-XXXX now its. Wed and everyone cash is tied up no balance shown and even if it does you ca n't spend it
Consumer complaint received 2023-05-04
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: Experian Information Solutions Inc. (IN)

XX/XX/XXXX I get a call, ignored it. They left a voicemail. Didn't call back because I could tell it was a scam. Next day I get a email notification of new activity on credit report. XXXX XXXX XXXX put a fraudulent collection on my report. Claiming I had a magazine subscription back in XXXX, paid for 3 months at XXXX or XXXX month and then quit paying. That I now owe them {$910.00}!!! Mind you it is now XXXX, 5 years later.. I never subscribed to any magazines whatsoever! So I asked him who the original creditor, very hurriedly he said the name so that I couldn't understand him 2 times. 3rd time I asked him to slowly say it.. He proceeds to tell me it was XXXX XXXX XXXX XXXX. My credit report had it as ( 01 XXXX  ). So I googled XXXX XXXX XXXX XXXX and nothing came up. I googled XXXX.. Also nothing came up related to publisher center incorporated. Scam scam scam! I googled XXXX XXXX XXXX.. Right underneath them is a XXXX post with many people having the same story and description as I have with similar money amount ( always under {$1000.00} ) with the 5 year difference and with similar and different fake 3 letter companies such as ( XXXX  ) as well as on the XXXX  site. I disputed the reports and just like other people the credit agencies don't do anything!! So next step is to file for identity theft and I got a police report and I'm sending that in now to get these scammers ( XXXX XXXX XXXX ) blocked and removed from my credit report. They need to be stopped and arrested, based off the other people this has been going on for 2-3years now!!
Consumer complaint received 2015-06-17
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC. (DC)

Deposited US Treasure check at Suntrust ATM XXXX XXXX # XXXX XXXX on XXXX/XXXX/15, presented receipt of Deposit to XXXX XXXX Suntrust Branch Manager, and funds were not available.
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. Experian must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Date Opened:XXXX Balance : {$700000.00}
Consumer complaint received 2024-08-15
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)

Ive noticed unauthorized inquiries on my report XXXX someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts included in this FTC 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 XXXX years.
Consumer complaint received 2023-05-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Neon Newco Corporation (TX)

I filed a dispute with net spend regarding charges made on my debit card acc # XXXXclaim # XXXX these transactions were not authorized by myself NetSpend sent my government direct deposit back there was no notification to me and deemed me as no longer eligible for a card, why because I made a legal claim in this dispute I consider a bad customer, so i would like to file this complaint I would like my funds to be placed back to me, if not please give.me your reason for not refunding my funds it's my understanding that the financial system must show that I had knowledge of disputed transactions if this is there position please forward me all information making me a bad customer as well a fraudulent criminal
Consumer complaint received 2023-05-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (OH)

On the XXXX of XXXX I noticed a collections account on XXXX  XXXX for a XXXX account I never opened. I disputed it through XXXX XXXX and it said that the I formation obtained was correct which it is not. There is a debt of {$3200.00} something and I never opened that account. It went to collection through amsher collecton services.
Consumer complaint received 2023-05-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (NC)

After reviewing my credit report on XX/XX/2023, the account does not reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed. I do not believe the account belongs to me nor do I belleve that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Consumer complaint received 2023-05-04
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: Bepensa Capital, Inc. (IL)

I respectfully request your prompt attention to the following inaccurate information on my credit report. The following item is inaccurate negatively affecting my credit please re-investigate this matter and delete end or corrected speeded item. I respectfully request that you provide me with proof of the disputed item specifically any contact note court document or any instrument be having my signature. Failing that this item must be deleted.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (NY)

I had to get a new XXXX XXXX XXXX account due to fraud last month. The account is not closed, I just got a new account number and card with the same available credit line. XXXX reported the account as closed which caused my credit score to drop several points and for my total available credit, average age, and total number of accounts to incorrectly be reduced as well. I notified the credit card company as well as XXXX. The issue seemingly was resolved when the card reported under the new account number with the updated balance and my average credit age, available credit, total number of accounts went back up and I gained back a few points on my score. However, i'm seeing again today that XXXX is incorrectly reporting the account as closed, and the score dropped XXXX points, and the total available credit, average age, and total number of accounts went down erroneously again. The account is not closed and I'm not going to be losing any points off my credit score because of some jerk trying to commit fraud and XXXX did the sme wrong thing again.
Consumer complaint received 2023-05-03
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. (PA)

THE COMPANY IS IN VIOLATION OF 15 U.S CODE 1681E ( B ) BY CONTINUOUSLY REPORT INACCURATE INFORMATION ON THE FOLLOWING ACCOUNTS. XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX  # XXXX AND XXXX XXXX XXXX XXXX  # XXXX. I'VE SUBMITTED MULTIPLE DISPUTES AND SOMEHOW THIS INFORMATION REMAINS UNCHANGED. IN ACCORDANCE TO 15 U.S.CODE 1681E ( B ) - WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT, IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION CONCERNING THE CONSUMER WHO THE REPORT RELATES. IT IS APPARENT THAT THE COMPANY HAVE FAILED TO PROPERLY VERIFY THE INFORMATION THAT I'VE PREVIOUSLY DISPUTED.
Consumer complaint received 2023-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (NC)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2023-05-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Uplift, Inc (GA)

I scheduled a vacation for XXXX last year on XX/XX/2022. I financed through Uplift for {$1600.00} with XXXX XXXX. XXXX XXXX cancelled the returning flight. Because of their error they offered a refund or a credit by phone. I asked for a full refund. They said my refund would process in XXXX business days. They continue to charge my account, and now Uplift is threatening to report to my credit for non-payment. I have called XXXX XXXX, and I can not reach a live person. I contacted Uplift and they can not help. I just want my refund. I never want to use XXXX XXXX, again.