davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-25
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. (NY)

Hello my name is XXXX XXXX and I have reviewed my credit report XXXX and found several inaccuracies! Therefore 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 XXXX XXXX XXXX. Accounts named ; XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( Original XXXX : XXXX XXXX XXXX  ), XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXX XXXX, these things are incomplete and not accurate XXXX And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). And according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to XXXX XXXX XXXX they are suppose to 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. 
I have also attached copies of my identification to confirm this is my identity.
Consumer complaint received 2024-09-25
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: TRUIST FINANCIAL CORPORATION (GA)

On XX/XX/XXXX, I picked up my vehicle from XXXX XXXX XXXX in Maryland due to my vehicle being repossessed in the state of Maryland. I've been unable to bring my vehicle back to Georgia due to the finance company failing to have my vehicle registered in my name timely following me redeeming the vehicle. Every step that has been taken from redeeming my vehicle, following up concerning the registration, once the insurance company told me their were issues with the title, was all due to my own communication and not because they were on top of their job and communicating these things with me. When they finally requested the title back from the auction this was around XX/XX/XXXX which is XXXX weeks from the time I picked up my car. Once they received the title around XX/XX/XXXX, I was told there would be a status update by XX/XX/XXXX regarding my vehicle being registered which I was highly confused about. Due to the extreme delays with resolving this matter, I called Regional Acceptance Corporation ( RAC ) on XX/XX/XXXX for a status update, to be told that what's hindering them is I need to have an emissions test done. My question was, how long have they known this, and how come no one contacted me with this information, until I reached out. Had they told me ahead of time, I could have mentioned requesting an emissions waiver due to the vehicle being out of state, or they could have done their due diligence with resolving this matter, which they have not. It is now XX/XX/XXXX and I have not been provided with a timeline or day that the company they hired to go register the vehicle back in my name, will be registering the vehicle back in my name. Not only has this caused an increase with my car insurance, but this has resulted in consistently paying for XXXX  and XXXX  to travel, since I'm unable to legally drive the vehicle, that's been in my possession since XX/XX/XXXX. Not only are they delaying the process with getting my vehicle rightfully registered back in my name, but the interior of my vehicle sustained damage while at XXXX XXXX XXXX due to them " allegedly checking the frame for damage, '' who also threw all XXXX original mats in my car away, XXXX which were in great condition. RAC did agree to pay for the repairs and mat replacements after I get the estimates, which I can not get due to my vehicle not being registered. So my car was returned to me not being in the same condition it was in before the repossession took place. The receipts I attached shows when I paid the required amount to redeem my vehicle. XX/XX/XXXX is when XXXX XXXX XXXX scheduled me to pick up my car, and I attached my XXXX Receipt showing my receipt from the XXXX train station to XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, MD XXXX.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2023-11-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (TX)

XXXX payment made with check XXXX, money order XXXX, only got XXXX paid on my account, only XXXX of a XXXX money order was applied to my acct.therefore XXXX of my payment is owed me by citibank at this time.In XXXX I paid XXXX by check, the statement in XXXX was XXXX balance .So I have paid XXXX at this point and should be more than paid up on this acct. at this time and so far they have yet to fix my acct.I haven't heard from them since I faxed my documentation to then on XXXXbefore I faxed said docs.I sent them via snail mail and also on line they kept telling me they didn't get them, I did that three times, before I finally paid to fax them.all I want is credit for the money I have paid.I will send you my docs.
Consumer complaint received 2024-10-22
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. (MS)

As per 15usc 1611 Experian XXXX and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. XXXX Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc Better XXXX XXXX XXXX State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency.
Consumer complaint received 2023-10-03
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: EQUIFAX, INC. (GA)

I am contesting the information on my credit report that I believe is not correct. In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and in accordance with the accepted STANDARD of metro 2 data field reporting. 

Summary of Inquiries being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The information has not been proven to be true, correct, or verified. I can't recognize any allegations of wrongdoing without any factual proof. I challenge the reportability of any such claims. According to the federal and state laws that apply to me, Credit Bureaus are required to report information accurately and completely. You should not keep or report anything that you know is not in compliance with the law or regulations. This includes making sure that you adhere to all FCRA and METRO 2 format reporting standards. For every account I need evidence ( physically verifiable ) that you verified the information to be accurate and compliant. For every inquiry I request proof that you confirmed that the creditor had a permissible purpose. I am giving you a 15 Days following up from multiple disputes I've sent to you guys to investigate this matter and determine whether it is still accurate, valid and in compliance. If you can not provide proof that the information is accurate, compliant or valid I demand that you remove it from the report. The following items on my report appear questionable! Please certify that all claims are true and accurate, complete and timely reported. If not, please delete immediately.
Consumer complaint received 2024-10-22
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)

My identity was stolen and use to my disadvantage I am asking that Experian please fully examine my complaint. This is super unfair to have my credit used in such way without any consent being given to the creditor. I am demanding immediate removal.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-03
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. (TX)

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 2023-10-03
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)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX Balance Owed : {$310.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$7100.00}.
Consumer complaint received 2024-09-25
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. (TX)

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XX/XX/XXXX XXXX. XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-11-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BARCLAYS BANK DELAWARE (NJ)

XX/XX/XXXX Attention : Consumer Financial Protection Bureau and XXXX XXXX XXXX XXXX, Barclays XXXX XXXX [ undisclosed last name ] Thank you for your letter of XX/XX/XXXX. As I am not able to reach you by telephone, I am responding via the CFPB XXXX. I think that a further conversation may help us to understand one another. 

Regretfully, neither your above-referenced letter, nor its attached letter of XX/XX/XXXX, resolve the XXXX-year-long dispute. 

The issue, first reported on XXXX XXXX, XXXX, is an overcharge in the amount {$280.00}. I never claimed that the merchant altered the amount charged on my account, as Barclays incorrectly alleges in its XX/XX/XXXX letter. More than once, I provided Barclays with the merchants own receipt of payment in the amount of {$13000.00}. I am now attaching e-mail correspondence with the merchant wherein the merchant states that on XX/XX/XXXX, it received payment of XXXX {$13000.00} ( calculated at an exchange rate XXXX XXXX $ XXXX ). Barclays, on the other hand, charged my account {$13000.00}. I should mention that Barclays separately charged me a foreign transaction fee, so this overcharge is not a foreign transaction fee. 

Barclays claims to have resolved the claim in my favor, because it did the following without my authorization : As per the merchant, Barclays contacted the merchant, reversed its original XX/XX/XXXX payment to the merchant in the amount of {$13000.00}, and then paid the merchant {$13000.00}. Meanwhile, I had paid Barclays {$13000.00}, as Barclays acknowledges in its XX/XX/XXXX letter. The credit Barclays claims to have provided basically allows for the charge on my account to be {$13000.00} ( what I paid ) instead of Barclays original charge on the account of {$13000.00}. However, since Barclays received {$13000.00} from me and subsequently reversed and paid the merchant about {$13000.00}, Barclays continues to overcharge me. It then suggests, as you do again now, that I bring up the matter with the merchant, attempting to distance Barclays from the dispute. Yet, from my perspective as a client, the unanswered question persists : Why does Barclays pay a merchant XXXX amount and charge its client a higher amount? 

If customer service is very important to Barclays and if it honestly regret [ XXXX ] the hardship it continues to impose upon me, as expressed in some of its letters, then Barclays should be transparent about the transaction and the overcharge. 


Thank you, XXXX XXXX
Consumer complaint received 2024-09-25
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. (WA)

The letter attached was submitted as part of the dispute ( XXXX XXXX XXXX ) to Experian on XX/XX/year>. In this letter, I informed Experian that a late payment reported by XXXX XXXX was inaccurate. At that time, I requested evidence of the claimed late payments. However, Experian did not provide this proof. Furthermore, I asked for details regarding the procedure used to assess the accuracy, which they also failed to supply.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

in three day breaches Missouri XXXX XXXX XXXX XXXXXXXX my credit cards was hacked making my credit score go down my email XXXX and XXXX also my bank and routing number was compressed any additional info Ill send
Consumer complaint received 2023-10-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/XXXX I called Transunion and XXXX to ask for the removal of hard inquiries that I did not authorize. I was told that they would not remove them without a police report being sent to them. I stated to them that under the FCRA law that states if any information can not be verified it must be removed : the two bureaus than proceeded to tell me to report it to the FTC. I was than told that there was nothing they can do. They refuse to help in the matter at hand.So no action will be taken I was told. These are the hard Inquiries that was not authorize by me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also I would like to ask for the removal of two late payments.One from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The two companies reported late payments despite me trying to pay before the due date but the dates fell on a weekend so it did not allow me to pay until the upcoming mondays and even than it still took 2 to 3 days to process the payment I have contacted both companies and they told me that they understand and it wasnt my fault that they would update their notes and I would have to report to you guys ad you will contact them and they would give you access to their notes I would have to reach out to your company on behalf of myself.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I did not open these accounts I HAVE A POLICE REPORT NUMBER FOR THESE ACCOUNTS XXXX. XXXX XXXX XXXX XXXX. THESE ARE NOT MY ACCOUNTS PLEASE REMOVE ASAP
Consumer complaint received 2024-09-25
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. (NJ)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission.

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX-XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX : {$450.00} XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$830.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-09-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

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.