davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic information, pursuant to, The Privacy Act of 1974 is a federal law that protects individuals from the misuse of their personal information by the federal government. The act 's main goals are to balance the government 's need for information with the rights of individuals to privacy. The Privacy Act of 1974 : Protects individuals : The act protects individuals from the collection, use, maintenance, and disclosure of their personal information. Requires notice : Agencies must notify the public of their record systems. Requires consent : Agencies can not disclose an individual 's record without their written consent. Provides access : Individuals can request access to and changes to their records. Establishes record-keeping requirements : The act sets forth requirements for how agencies keep records. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 usc 1681 section 602, states I have the right to privacy. 15 usc 1681 section 604 ( a ) section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666 ( b ) a creditor may not treat a payment on a account under an open and consumer credit plan as late for any purpose. Also 15 USC 1602 ( P ) Hard inquires
Consumer complaint received 2022-11-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (AL)

XX/XX/2022, Southwest Credit Systems opened a collection account in my name. 
The account info is XXXX. The amount owed is {$780.00}. 
I have never signed any written documents stating that I owe any debt to this company. 
My rights are being violated under the FCRA as a consumer. 
I have never dealt with this collector before and have not given my written consent. 
It has not been verified that I owe this debt to Southwest Credit Systems. 
My hope is to have this collection removed from all three credit bureaus. 


XXXX XXXX
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The following collections are reporting a debt for a collection that is inaccurate XXXX XXXX XXXX XXXX whose original creditor was XXXX XXXX  XXXX $ and XXXX XXXX XXXX XXXX XXXX $ .These following accounts have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2024-10-27
Product: Credit reporting 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)

I, the, consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1. 
XXXX XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX. 
XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation. You have 30 days to respond to this letter. Please do so.

This company failed to respond in 30 days. According to the FCRA, this is a violation. Please delete these accounts from my consumer report.
Consumer complaint received 2022-11-26
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (IL)

I opened an acct in XXXX and because I had to call in to finalize the application, I did not receive my {$25.00} first order promo code. The woman on the phone told me to call back in 2 days so they could manually deduct it. I called several different times. I opened a dispute and it was mysteriously closed without a single word. In the fine print it said to pay my bill, minus the disputed amount, which I did. I opened a dispute again and then submitted the promo picture, the order I purchased, wrote a letter and so on. Between that dispute and more phone calls I was told I won the dispute. However, they said it would take 1-2 billing statements. Then the very next statement they charged me {$25.00} late fee and interest. I called again and the CSR said she would remove the late fee and as a " courtesy '' she would remove the interest charge! Again after talking felt all will be fine. The next billing cycle I was charge another late fee and more interest. I called again. There's been at least 2 times I even asked to speak with a manager. The last call was on XX/XX/22 with a manager, who ASSURED me this would be all cleared up. But then on XX/XX/22 it came to my attention I was reported to the 3 credit agencies and have lost XXXX POINTS on my credit rating!!! I am mailing a certified letter to them next week.
Consumer complaint received 2024-10-08
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. (OH)

I am filing an urgent and formal complaint against Experian for their blatant failure to provide verification for fraudulent entries on my credit report. I am a victim of identity theft, and despite my repeated disputes and submission of supporting documentation, Experian has willfully neglected its responsibility to investigate and remove these fraudulent items. 

Fraudulent Information on My Credit Report : XXXX XXXX XXXX Account # XXXX Fraudulent Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Violations of the FCRA : FCRA Section 609 ( 15 U.S.C. 1681g ) : Experian is legally required to provide the method of verification for any information on my credit report. Despite multiple requests, Experian has failed to produce physical evidence proving the legitimacy of the XXXX XXXX account and the fraudulent address. This is a direct violation of federal law, and I demand immediate compliance. 

FCRA Section 611 ( 15 U.S.C. 1681i ) : Experian is obligated to investigate and correct disputed information within 30 days. Their complete failure to provide any verification or explanation for these fraudulent entries demonstrates willful noncompliance and gross negligence.
Consumer complaint received 2022-12-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bonneville Billing and Collections (TX)

Originally post on here about XXXX XXXX about a bill received. I got a letter from XXXX XXXX and agreed to work with Bonneville collection after receiving a notice that my account was overlooked in error. I called Bonneville to make payments on auto-pay until debt was paid off. I now have a collection showing on my credit and payment as well as card is on file with Bonneville. Want this removed and someone from their department to reach out to resolve this.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I reviewed my Consumer Credit Reports and noticed that I had late payments on accounts that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to their best ability with Maximum Accuracy according to the Federal Law 1681e ( b ) Accuracy/ Completeness. 

I have always made on-time payments for the following accounts : XXXX XXXX, account number XXXX ; XXXX XXXX XXXX account number XXXX ; XXXX XXXX XXXX, account number XXXX XXXX XXXX XXXX, account number XXXX XXXX XXXX XXXX, partial account number XXXX XXXX XXXX XXXX  partial account number XXXX ... ; XXXX, partial account number XXXX XXXX XXXX, account number XXXX, XXXX XXXX XXXX. 

I'll attach the report from TransUnion, XXXX and XXXX as evidence of the discrepancy on all 3 credit bureau reports. Please investigate and provide proof with statements showing that these payments were late. If the request can't be complied with or provided, I request that these payments be updated as they should be, as I was always on time. Thank you for your help with this.
Consumer complaint received 2022-11-26
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Experian Information Solutions Inc. (TX)

EXPERIAN LLC. VIOLATED FCRA BY NOT SENDING NOTIFICATIONS TO THE CONSUMER OF ANY IMPENDING ADVERSE, NEGATIVE ACTION IMPACTING THE CONSUMER 'S CREDIT REPORTS! SECONDLY, The Creditor AND PUBLISHER failed in that it did not conduct a reasonable investigation. Secondly the company did not accurately correct inaccurate information- nor because they caught to intimidate a consumer by not removing the disputed item under 15 U.S.C. 1681Ia [ 1.a ] by not removing or willful non compliance remove the negative and inaccurate information when EXPERIAN LLC . Was notified that the account information was under dispute via the CFPB PORTAL. notify when it DID NOT supplied the negative information. The Creditor also failed because they refused to notate my right to Dispute the ERRONEOUS negative information. The user must notify when it post negative information. This is defined as IMPERMISSIBLE PURPOSE. LASTLY it is also a Violation of the FCRA & FDCPA AS WELL AS THE FEDERAL TRADE COMMISSION VIOLATIONS to utilize " DECEPTIVE TRADE PRACTICES TO CLAIMING AUTHORITY TO USE FEAR TACTICS TO LIE ABOUT THE CLAIM THAT THEY REPORTED TO IMPERSONATE THAT THE WERE " ATTORNEYS '' IN VIOLATION FOR STATE & FEDERAL LAWS OF THE " SURPRISES ACT. OF XX/XX/2021. FOR THESE VIOLATIONS OF FEDERAL & STATE LAWS THE CONSUMER IS GOING TO INFORM THE FEDERAL TRADE ADMINISTRATION AS WELL AS THE ATTORNEY GENERAL 'S OFFICE AS WELL AS THE BETTER BUSINESS BUREAU OF THESE VIOLATIONS OF LAW ENACTED BY THE BUREAU AND THE FURNISHER OF THE INFORMATION FOR. APPLIED DECEPTIVE & UNFAIR TRADE PRACTICES TO DECEIVE AND STRIKE FEAR INTO THE CONSUMER THROUGH IDENTITY THEFT AS WELL AS TO THE CONSUMER 'S CREDIT REPORTS WITH THE INTENT TO BOTH DECEIVE AND COLLECT NEGATIVE AND ERRONEOUS INFORMATION WITHOUT WRITTEN CONSENT OR A CONTRACT. " NOW THAT YOU UNDERSTAND YOUR ERRONEOUS, NEGATIVE, INCORRECT AS WELL AS INCOMPLETE VIOLATIONS OF FEDERAL LAW, WITHOUT ANY WRITTEN PERMISSION OR WRITTEN CONSENT BEFOREHAND OR WITHOUT THE CONSUMER 'S CONSENT BEFORE STANDING ON MY PRIVATE - FROZEN CONSUMER REPORTS!! - Now that you know THIS - DELETE IMMEDIATELY THESE VIOLATIONS! The CONSUMER will inform the FEDERAL TRADE COMMISSION OF THE PARTIES DECEPTIVE TRADE VIOLATIONS AT ONCE!
Consumer complaint received 2022-11-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Collection Service Inc (GA) (GA)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2022-11-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Paypal Holdings, Inc (WA)

PayPal did not grant me the promotion to which I followed the terms and conditions to the T. I successfully argued that I did in fact follow all of the terms and conditions and instead of giving me the original credit they offered me a " courtesy '' offer. 

This courtesy offer was extremely dubious. The instructions specifically indicated me to click " get offer '' when there is no such button. When I asked customer service how to use the offer, I was quite seriously told " trial and error '' on a recorded line by a XXXX named XXXX XXXX ID XXXX. I asked her and her previous agent several times quite directly if XXXX was a qualifying Merchant for this offer and neither of them could tell me. I asked for any Merchant that they knew the offer would work on and I was told that PayPal can not confirm or deny any company the offer is valid with. So they have given me an offer with no way of knowing where it will be accepted. It is if as a customer I don't know where I can use it. The company issuing me the credit, paypal, The ledges they have no way to know where this credit will be used and will not substantiate the value of the credit offered. They refused to investigate, raise a complaint, or in any way do more than present me with roadblocks.
Consumer complaint received 2022-11-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (CA)

I originally applied for a loan for XXXX $ and theyre charging me a XXXX  % annual interest rate. They have me making XXXX $ payments all the way into the middle of XXXX. Ive paid off the amount I was loaned. The name of the company is also different from the loan company that gave me the money.
Consumer complaint received 2024-10-08
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. (SC)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2024-10-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2022-11-26
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (TX)

XX/XX/2022 applied for an apartment. Paid application fee ( {$75.00} ). The leasing office proceeded with our application as if we 100 % decided to move to that complex. However, I stated that we had questions before continuing with this process ; we're approved but had rental questions. Leasing office proceeded regardless of my questions, disregarding any questions that I needed answered. We found another complex we decide to move forward with. The first complex charge my bank account fraudulently ( {$350.00} ), and my bank refunded my funds. Now that amount they think I owe ( {$500.00} ) is in debt collection. Ruining my credit score I'm working very hard to improve.
Consumer complaint received 2024-10-08
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. (MD)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2022-11-26
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. (AL)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
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 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 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 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 2022-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc. (TX)

I paid off my account which had grown to 100 % usage. It took several hours over several days to access my account online, and now they're not reporting to the credit bureaus. This is hampering my getting a mortgage in three ways : total debt, credit usage, and resilience index scores. 

I emailed customer service and was told that they had a system upgrade in XXXX and we're not yet ready to update reporting. It is almost XXXX. I have registered complaints through XXXX of the credit reporting bureaus.
Consumer complaint received 2022-11-26
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. (MO)

I sent a letter requesting that 3 public records ( bankruptcies ) be removed from my credit report. Also providing proof that the bankruptcy court did not furnish this information to the credit bureaus.
Consumer complaint received 2022-11-26
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: EQUIFAX, INC. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX