davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-11
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)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE 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 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-08-31
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Jon Barry and Associates, Inc. (OK)

I have received more than XXXX telephone calls from Paragon Revenue Group. Many have left automated voicemail. After sending dispute letter requesting proof which has not been provided, notifying them that I am only to contacted via USPS they called me, being very abusive threatened me with legal action and possible arrest. My granddaughter heard the conversation and has since had XXXX issues since. They have also put a negative mark on my credit report. All this after I have sent a dispute letter requesting proof.
Consumer complaint received 2024-08-12
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. (TX)

I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account to XXXX XXXX and send me a copy of my updated credit report.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 2023-04-20
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 


XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX XX/XX/XXXX ; ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$780.00} ; XXXX XXXX Bankruptcy Reference XXXX XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-08-12
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

I hope this message finds you well. I am reaching out to request your assistance with updating several accounts on my credit report. I've identified some outdated or incorrect information and would like to ensure that my report accurately reflects my current financial status. 

Thank you for your attention to this matter.
Consumer complaint received 2024-08-12
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. (MO)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under USC 1681 section 6.2 states that I have the right to privacy ( 15 USC 1681 ( section 604 a section 2, also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Through my rights in accordance with 15 USC code 1681b I did not give written consent to any collection agency to report anything to credit bureau.
Consumer complaint received 2024-08-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America I deposited a check from my employer ( a real company ) that has verified the check is not fraudulent along with the issuing bank ( TD Bank ). Bank of America first took 10 Business days to " verify '' the check. Then, they closed my account Mon. XX/XX/XXXX with no warning, no email, no phone call, nothing. After telling them that this is a mistake and has happened to XXXX other employees of the company ( some of which also use Bank of America ) who were all able to get their accounts back and checks verified, Bank of America continues to treat me like I am some fraudster. This issue has also only happened to the minority employees as white coworkers who use Bank of America had no issue depositing the same check. Racism in banking is more alive than ever. 

Bank of America has made me spend over 40+ hours in talking with representatives and being put on hold and now are taking an additional 5 business days for a second review. They are currently refusing to send me any money that is in my account. This is causing me to bounce credit card payments, bills, and many other issues. What Bank of America is doing is illegal. It is my money.
Consumer complaint received 2024-08-12
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. (SD)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Consumer complaint received 2024-08-12
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. (TX)

Experian continues to state they have verified this bankruptcy but how? I keep asking how are they verifying this information if XXXX and XXXX have already deleted the information?! The vendor they use which is XXXX also deleted the bankruptcy so what magical information does Experian have that validated this information. I have wrote letters and filed complaints against them and they will not tell me what they used to verify this information.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

" I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/year> and XX/XX/year>, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim.

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done
Consumer complaint received 2024-08-12
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. (NC)

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX XXXX XXXX  AND XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN XXXX BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I am contacting you regarding fraudulent personal information linked to my identity. Without my knowledge or consent, certain accounts and transactions have been falsely attributed to me, causing significant distress. As a victim of identity theft, I have already reported this incident. 

This situation has severely impacted my financial stability and personal reputation. I urgently request your assistance in swiftly removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I stand ready to provide any necessary evidence to support my case.
Consumer complaint received 2016-07-15
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I HAVE MULTIPLE INQUIRES ON MY CREDIT REPORTS. I HAVE SENT MULTIPLE LETTERS DEMANDING EVIDENCE THAT I HAVE AUTHORIZED SUCH INQUIRIES AS THEY ARE DAMAGING TO MY FINANCIAL REPUTATION. MY SOCIAL SECURITY NUMBER IS POSTED ONLINE FROM A COMPUTER HACK OF THE MISSOURI XXXX WEBSITE XX/XX/2011.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

Dispute of Incorrect Address on My Credit Report Dear Sir/Madam, I am writing to request the immediate removal of an incorrect address that is still appearing on my credit report. Specifically, this concerns the outdated XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX that is no longer valid and should not be reflected in my report. My correct and current address is XXXX XXXX XXXX # XXXX XXXX XXXX, NJ XXXX According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to conduct an investigation of any information disputed as inaccurate or incomplete. The presence of this incorrect address is inaccurate and negatively affects me.

Furthermore, under FCRA, 15 U.S.C. 1681c ( a ) ( 5 ), credit bureaus are obligated to remove any obsolete or incorrect information from credit reports. Failure to do so may be considered a violation of the FCRA. 

I urge you to rectify this error immediately. If the requested correction is not made within a reasonable timeframe of 30 days, I will consider taking legal action to protect my rights under the FCRA. Additionally, violations of the FCRA can result in legal penalties, including punitive damages.
Consumer complaint received 2024-08-12
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. (MO)

I recently reviewed my credit report for the second time and noticed an account that was not reporting accurately. I had two late payments on an account that was in fact paid on time. The account should show paid on time. The consumer reporting agencies need to report all information with complete accuracy as well. I'm now requesting you all investigate this account and update these late payments to paid on time immediately besides this is a violation of 15USC 6802 b. I DID NOT GIVE PERMISSION TO REPORT ANY OF THIS PERSONAL INFORMATION TO ANY THIRD PARTY. 

15 USC 6802b the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information is not to be disclosed to such third party.
Consumer complaint received 2017-12-04
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Columbus Finance Inc. (OH)

XX/XX/2017 my auto was totaled, made a phone call to the insurance company and the lien holder as well as made a call to the gap company to let them know what was going on so they can get this taken care of. The insurance company XXXX XXXX offered a settlement in the amount of {$6300.00} and the gap company paid the remaining balance of {$1600.00} I recieved an email from my insurance company with a copy of the check that was sent so I called my lien holder to make sure everything was satisfied and taken care of. Employee from Columbus Finance stated that I owed a balance of {$140.00} because there was interested added AFTER a payoff was given to the insurance company. I have never been made aware of this via email, phone or mail that there was an amount due from Columbus Finance they told me that it was n't their responsibility to make me aware of there being a balance owed. ( they then reported this to my credit stating I am 90 days past due ( again never was made aware of this until i called ) insurance company asked for further information the lien holder refused and said it was n't their responsibility for sending any further documentation. This company is a scam when it comes to the payoff of your loan they have several reviews about this same issue. The woman at the lien holders office even admitted that the interest was added after giving a payoff and letter of intent to the insurance and gap company. They do n't even want to listen to this on the phone they laugh at you and just tell you that you owe the debt and that this is an daily interest loan ( again I was never made aware of this or the daily interest amount ). They are just waiting for this to pile up so you owe a bunch of money. This needs to be settled in full. I have contacted the BBB, the OHIO ATTORNEY generals office and now I want this off of my credit report as I am not 90 days past due and I do n't owe this debt.The next step is going to be contacting an attorney to sue the company as well as the two individuals that were on the phone with me XXXX, and XXXX I believe where their names. They said it took 113 days to receive anything from the insurance company and that it needed to be paid in 10 days I have totaled a car before and it takes more than 30 days to get a check for a total loss, this is n't my fault if a payment is n't received as I am not in the office cutting the check or receiving the check. This needs to be disputed with the lien holder, insurance company, and gap company not me as I am not the one that has access to my account and the payoffs or interest on the account the lien holder does. I also financed Gap coverage in my loan so if something happened like this then my loan would be paid in full not be in this mess fighting back and forth with something that is out of my control.
Consumer complaint received 2024-08-12
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. (MO)

I am writing to address the ongoing issue of fraudulent, inaccurate, and misleading information on my consumer report, which persists despite my repeated efforts to resolve it. The presence of these unauthorized items has had a profound negative impact on my life, causing considerable distress and XXXX. I must emphasize that, as a victim of identity theft, I never authorized or consented to the association of this information with my name. 

Be advised that I am in the process of initiating legal proceedings regarding the fraudulent and inaccurate items currently appearing on my consumer reports. I formally demand that you take immediate action to update, delete, and block these items from my report.