davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

THIS STORY WOULD BE FUNNY IF IT WAS FICTION! 
For the past XXXX years I have maintained an immaculate credit history. Armed with that knowledge, in XXXX XXXX XXXX XXXX issued me a credit card which I used to support a very small business I owned. Monthly statements were always paid promptly. A decade later I had very little use for the card, and no monthly statements were received when there was no card activity simple enough. Yes, I probably should have closed the account. 

In XX/XX/XXXX we moved from XXXX XXXX XXXX. Prior to the move I sent out Change of Address notices to all creditors, insurers, banks, etc. XXXX XXXX XXXX was so notified. My use of the credit card at the time was nil. I continued to receive a great FICO score ( Attachment XXXX ). Long after my move, unbeknownst to me, XXXX XXXX automatically billed an annual service charge of {$110.00} to the card. I was unaware of this transaction and XXXX XXXX XXXX never sent a credit card statement to my new address ( and none were forwarded from my previous address ). 

In XXXX XXXX XXXX XXXX debt collectors located me and demanded payment for the delinquent XXXX XXXX plus interest and fees. Its interesting to note that XXXX had my phone number all this time and could have simply called me, just like all banks do when prowling for new credit card prospects. After explaining the situation, XXXX agreed to drop interest and fees. I paid the balance that same day ( {$110.00}, XX/XX/XXXX ) and considered the matter closed. Periodically I continued to track my XXXX score from various sources and it was always in the XXXX range. 

In XX/XX/XXXX after a national consumer data breech, I received a free credit report from Experian with a markedly lower FICO score of XXXX! ( Attachment XXXX ). The only adverse entry was negative account activity from XXXX XXXX XXXX, and it incorrectly recorded the sequence of events described above. Contrary to their misrepresented entry in my credit report, I never received a credit card statement for the charge, I was never aware of any balance ( because I had not personally used the card for years ), and when notified I paid the balance immediately. Despite numerous discussions with XXXX representatives, who acknowledged my excellent credit history, they claimed federal laws prevented them from correcting their error. 

I immediately reached-out to Experian for assistance. They understood my situation and filed a dispute with XXXX XXXX XXXX. It was denied without explanation. 

This complaint is filed in an attempt to rectify the unjust and inaccurate negative account activity report by XXXX XXXX XXXX with hopes of restoring my traditional, well-earned credit history.
Consumer complaint received 2023-05-02
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. (FL)

When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7500.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}
Consumer complaint received 2016-05-18
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Ria Envia, LLC (FL)

On XXXX XXXX, 2016 I contracted with Walmart stores of XXXX XXXX. Florida to transfer {$270.00} to my son XXXX XXXX. I paid turned over to Walmart {$280.00} which include the transfer funds and a transfer fee ( consideration ). Upon presenting the assigned tracking number and a Florida State drivers license, my son was denied the distributions of the promnised funds for no apparent reason except Walmart 's exercise of it 's assumed right to decide which contracts to honor and which ones to ignore possibly at the detrament of the designated receiver of the funds. The funds and contract fee were returned to me by Walmart the following day ( see attached ).
Consumer complaint received 2024-08-15
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 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am personally submitting this complaint regarding late payment entries on my credit record. Upon examining my files, I discovered these late payment notations. Despite sending correspondence about this issue more than a month ago, I have received no reply, nor has adequate validation been provided. I now request your help in addressing and resolving this situation swiftly and efficiently.
Consumer complaint received 2023-05-02
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. (MS)

XXXX, XXXX XXXX, XXXX XXXX A XXXX XXXX, MS,XXXX  Investigation Request Letter Date of Birth : XXXX, XXXX, XXXX  SS # : XXXX To Whom It May Concern : I received a copy of my credit report 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. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of, which made me write to you all.Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want those accounts deleted because they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. 
Procedures in case of disputed accuracy. 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), and 1681i ( a ) ( 1 ) ( C ) covers the general investigation overview, the extension of the period to reinvestigate, and the limitations on extension of the period to investigate, while 1681i ( a ) ( 2 ) covers the promptness in how the bureaus must handle the notifications. 1681i ( a ) ( 3 ) covers if and how the bureaus can determine if a dispute is frivolous or irrelevant, all the way to 1681i ( f ) ( 3 ) where it governs how a CRA notifies a consumer through a reseller and others who furnish third party disputes free of charge, etc. Please investigate the following accounts and remove them for not authorizing my personal information to be verified. 
I demand the following accounts be verified or removed immediately. 
Name of Account : XXXX XXXX Account Number : XXXX Action Requested : Cancel Contract. Please provide the original contract or delete. Victim of Identity Theft. 
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 rights 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 instuctions.

Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed. I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file. I want the investigation outcome to be sent to my address I put on the from area. 


Thank you, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-15
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. (TX)

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2023-05-02
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. (LA)

I have been having repeated issues with incorrect name spellings and inaccurate home addresses reporting on my credit. I have called the bureaus many times, sent in letters to correct this information, with proof of identity, home address, as well as a police report ; that proves my identification ( license, social security card and children 's social security card ), was stolen years ago.

My last attempt at contacting the bureaus was in early XXXX. I was assured that only the information, I provided with proof of identity and address, would remain on my report. I also added fraud alert and put a freeze on my reports. After printing my free annual reports, last month, I noticed several name spellings, along with an additional last name.

There are also several listed addresses. After moving from my last address, three years ago. I contacted the bureaus to remove all old addresses. I was assured this was done. However, I am seeing addresses that I have not ever taken residence at, as well as addresses from 10plus years ago.
Consumer complaint received 2015-11-27
Product: Consumer Loan — Pawn loan
Issue: Applied for loan/did not receive money — 
Company: CURO Intermediate Holdings (IL)

ON XXXX/XXXX/2015 I APPLIED ONLINE FOR A {$2500.00} INSTALLMENTLOAN, AND WAS APPROVED AND CALLED TO SET UP APPOINTMENT, AND ON THE XXXX OF XXXX WE WENT IN TO THE XXXX STOREAND COMPLETED ALL FORMS ETC, AT THE END STATED I HAD XXXX LOAN ON THE STATE OF ILLINOIS ( XXXX ) GAVE ME A DENIAL LETTER AFTER STATING THEUR IS A COOLING OFF PERIOD, 3 DAYS LATER WENT BACK AND WHERE THE STAFF WAS HAVING A PARTY! ONCE AGAIN A REPEAT EVENT ... THIS FISACO COST ME AND CAUSED MAJOR PROBLEMS.
Consumer complaint received 2024-08-15
Product: Credit reporting 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. (FL)

On XX/XX/XXXX I obtained an automobile loan for a XXXX XXXX XXXX VIN XXXX ( See attached Florida Vehicle Registration ) from : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX, FL XXXX, United States I pay {$400.00} every XXXX weeks ( See attached receipt for XX/XX/XXXX payment ). As of the report of this complaint, they have not reported the loan to XXXX, Experian, XXXX.
Consumer complaint received 2015-10-24
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Residential Credit Solutions, Inc. (GA)

Residential Credit Solutions placed my VA Home Loan account into bankruptcy status although I have not recently filed bankruptcy. I called and emailed them after receiving their letter notifying them that they made a mistake and I sent proof but they refuse to remove the active bankruptcy status from my account. Please, someone make them stop this. They stopped my automatic bank draft and refuse to accept a mortgage payment ; says I must submit payment to their Bankruptcy Department knowing that I am not in bankruptcy.
Consumer complaint received 2024-08-15
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. (FL)

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 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NJ)

Experian has removed an account that I am an authorized user on with a {$50000.00} ( Acct # XXXX ) limit from my XXXX XXXX  after I already spoke with a representative XXXX weeks ago and advised them the wrong account was being XXXX The representative have advised it would be closed. I never added that account to any XXXX XXXX submitted. An Experian employee added that account on their own which is fraud!!! This is ridiculous and they are making it hard for me to get in contact with them to have this rectified. I tried calling their numbers they have on their website to contact them and I can not get in touch with a representative ( XXXX ) and ( XXXX ). I fear I am being blocked because I've recently been challenging how they report items on my report and that is discrimination!!! This has caused my score to increase XXXX points and this is unacceptable!! Experian is not complying with and is breaking the law by not reporting accurate and updated information and this has been going on for a month now.
Consumer complaint received 2015-11-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Making XXXX XXXX payments of XXXX to BOFA XX/XX/XXXX, XX/XX/XXXX, XX/XX/2015. My old regular payment was {$1100.00}. The old payment was still in my XXXX bill pay and went out my mistake on XXXX XXXX, 2015 and XXXX XXXX, 2015. Not wanting to mess up the trial payment I sent the full payment of {$1500.00} on XXXX XXXX, 2015. I need to receive credit or refund for these XXXX payments before XXXX XXXX, 2015 so I can make the full trial payment of {$1500.00}
Consumer complaint received 2024-08-09
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. (FL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit
reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-08-15
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. (CA)

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 XXXX 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 2024-08-15
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. (CT)

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

On XX/XX/year> I provided each credit bureau with a police report regarding fraudulent activity/accounts in my name. I asked them to please remove all erroneous accounts from my credit report because it is causing me a lot of problems. Its extremely hard for me to provide housing for my kids due to these errors in my credit file.
Consumer complaint received 2023-05-02
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. (OH)

I am writing to file a complaint against TransUnion, one of the three major credit reporting agencies, for inaccurately reporting the account status of my XXXX  XXXX account ( Account Number : XXXX ) on my credit report. 

Despite my efforts to rectify the situation with TransUnion, they have failed to update my account status and payment information. Specifically, TransUnion is reporting the account as " derogatory '' and has not updated the payment status to " paid account, '' which is incorrect. I have already provided the necessary documentation to TransUnion that supports my claim, yet the inaccurate information remains on my credit report, causing negative effects on my credit score.

As required by the Fair Credit Reporting Act ( FCRA ), I have attempted to resolve this issue directly with TransUnion by submitting a formal dispute letter. However, TransUnion has not adequately addressed my concerns and has not taken the necessary steps to correct the inaccuracies on my credit report. 

Given these circumstances, I am requesting the assistance of the Consumer Financial Protection Bureau to investigate this matter and ensure that TransUnion corrects the inaccuracies on my credit report. I kindly ask that you review the documentation provided and take appropriate action to protect my rights as a consumer. 

Please find enclosed copies of my dispute letter to TransUnion and any relevant supporting documentation. I am available to provide any additional information or documentation as needed. 

I appreciate your prompt attention to this matter and trust that your intervention will result in a timely and satisfactory resolution.