davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-25
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. (FL)

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX XXXX TransUnion LLC XXXX. XXXX XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX   XXXX  XXXX XXXX
Consumer complaint received 2020-03-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Advantage LNS Inc. (MD)

I have made several attempts to resolve this issue. I am not sure if National Credit Audit Co is a legitimate debt collections company. They have the same rude person XXXX, asking the phone. I called again on XXXX XXXX around XXXX XXXX  to discuss this possible debt. I informed her, if a settlement was available, and I want a notice from the debt collection agency.XXXX placed me on hold, and then disconnected the call on purpose. She refused to send any information, regarding the debt. First I do not agree with the debt. Second, this place seems like a scam. Why are there only 2 people working, the same. I am asking to investigate this company further, to confirm. Then I want a copy of the notice, t mailed to my address provided on the complaint form. If this place is not a scam, settle the account with someone other then rude XXXX. its unacceptable for XXXX, to be rude and unprofessional and lie about disconnecting the call. I did a screen snap, to show she placed me on hold as evidence if needed. Resolve my issue and remove from my credit report. 

* XXXX claims I disconnected the call, which is a lie. If that is the case, why did she not call back. I immediately called back and left a message. Clearly XXXX is not telling the truth
Consumer complaint received 2024-10-20
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. (TN)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX XXXX XXXX  Account name : # XXXX XXXX XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 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 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) 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 15 USC 1681s-2 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.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with Experian 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.

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.

Experian 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
Consumer complaint received 2020-03-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC (OH)

Received a letter from Receivables Management Partners LLC. XXXX XXXX  XXXX, XXXX, IN XXXX. They called it a " validation letter '' but it gave very little information about what the debt was or who they were. Due to the lack of information I was skeptical that it was a scam. I spoke to the company on the phone in XX/XX/XXXX and asked them to send me more information to verify what the debt was because I didn't feel comfortable providing them my credit card information without verification. The company admitted to me that they have a record of this phone call. I received no further verification information from that company until Monday XX/XX/XXXX ( 6 months after my request ). As soon as I recieved the itemized information verifying what the bill was about, I called and paid it the same day. It was only {$180.00} which is not a lot of money. I just wanted to ensure I wasnt being scammed. 

I went to refi my home today and discovered that during the 6 month gap when they didnt provide me the verification I requested, they went ahead and reported this debt to the credit bureaus. I'm now getting a worse interest rate for my refi which will cost me thousands of dollars. This should never have been reported to the bureaus. I made every attempt to validate this debt and who this company was in order to protect myself from being scammed. They dragged their feet not sending me the information. The day that I received the information I paid it in full. I called the company today and they refuse to fix their mistake even after I escalated to management and them admitting that they have a record of my call for further verification. I want this negative information deleted from all 3 bureaus immediately. The company also admitted to me that they get a lot of calls about this which tells me they have a process gap when it comes to sending debt verification to consumers. I'm sure this same thing has happened to many others.
Consumer complaint received 2020-03-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Here is another Problem with Transunion - Credit Reporting, the last Complaint did Nothing COMPLAINT ID XXXX SUBMITTED ON XX/XX/2020 I Applied for a Visa Card from XXXX XXXX - and was refused Credit, Transunion reported to XXXX/XXXX  XXXX - XXXX that I had a number of Deliquiant Accounts and a Bankruptcy?? 

Transunion sent me a Report it shows No Delequincies, No Bankruptcy - but what they send to Creditors is something different Also showing a reduced Credit Score by 100 points because of these inaccuracies, compared to XXXX, and XXXX  Someone needs to look into this they have a Glitch in their system or something - I have called them, and their XXXX that answer do Nothing The CFPB needs to hold Transunion accountable - not to just take their word that there isn't any false information - the attached is proof
Consumer complaint received 2020-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2017. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2020-03-24
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. (AR)

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report.
Consumer complaint received 2024-10-20
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. (IN)

I recently checked my credit report report and noticed numerous fraudulent accounts on my report that I did not authorize on there. An account with XXXX XXXX XXXX XXXX XXXX {$36000.00} opened XXXX ; XXXX XXXX XXXX XXXX {$15000.00} opened XXXX ; XXXX XXXX {$13000.00} opened XXXX ; XXXX XXXX XXXX  XXXX {$4400.00} opened XXXX ; XXXX XXXX {$4100.00} opened XXXX ; XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX {$3900.00} opened XXXX ; XXXX XXXX XXXX XXXX {$2600.00} opened XXXX ; XXXX  XXXX {$880.00} opened XXXX ; XXXX XXXX XXXX XXXXXXXX {$860.00} opened XXXX ; XXXX  XXXX XXXX {$660.00} opened XXXX ; XXXX  XXXX XXXX XXXX {$500.00} opened XXXX ; XXXX XXXXXXXX XXXXXXXX  XXXX {$440.00} opened XXXX ; XXXX XXXX XXXX XXXX. XXXX {$81.00} opened XXXX
Consumer complaint received 2024-10-20
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. (UT)

In XX/XX/XXXX, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2. # # # Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The follorwing inquiries were made without my authorization : Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. Collection Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me. I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I just recently looked at my credit report from Experian XX/XX/year>. I saw some hard inquiries that did not have permissible purpose. I also attached evidence XXXX XXXX  - XX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX / XXXX XXXX - XX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Consumer complaint received 2020-03-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Law Offices Howard Lee Schiff, P.C. (CT)

Problem started taking a personal loan from XXXX XXXX XXXX for XXXX back in XX/XX/XXXX. I have been paying the regular payments and was almost at 50 % done before the recession in XX/XX/XXXX. XXXX  XXXX XXXX tried to collect only XXXX to close the account. I didn't have that money to pay it off but I paid about {$1400.00} and couldn't negotiate the rest. a couple of years later. my loan was gone to a collection Agency called XXXX ( Law Office of Howard Lee Schiff P.C. Theses people were sending me notice to my old  address which I didn't have access to and then they went to the court and never had a chance to defend myself or come to agreement. All of a sudden I receive a letter to my current resident address stating that XXXX  have taken action collecting {$35.00} a week starting XX/XX/XXXX. but guess what, I'm paying for my original loan amount again XXXX they probably bought it for XXXX   or less. I didn't complain and reached out and almost paid the first year in total. had some trouble paying for 2 months ( l {$280.00} ). two weeks later. a letter from marshal was sent to my work asking them to deduct 25 % of my paycheck. Is that fair! Oh, and again i'm back to XXXX by adding {$2500.00} marshal fees on top of the loan ... .I 'm down and don't know what to do. These guys never communicated with me before taking any action. I'm not feeling comfortable at work knowing that this was brought to where I work.
Consumer complaint received 2024-09-28
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

U.S. Code 1666b falls under the Truth in Lending Act ( TILA ), specifically focusing on credit balances in open-end credit accounts like credit cards.

Heres a summary of what 15 U.S. Code 1666b outlines : Requirement to refund credit balances : If a credit cardholder has a credit balance ( such as overpayment or a returned item ) greater than {$1.00}, the creditor is required to refund it within a reasonable amount of time.

Ways to refund : The credit can be refunded upon the consumers request.

If the consumer doesnt request a refund, the creditor can apply the credit balance toward future charges.

If no activity occurs : If the account has no further activity for six months, the creditor must take reasonable steps to refund the balance to the consumer. 
he purpose is to protect consumers from losing their money to inactive or closed credit accounts and to ensure that overpayments are returned in a timely manner. 

I have stated that I want to close the account am unable to make payments due to hardship of loss of employment.
Consumer complaint received 2020-03-24
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. (AR)

My sister informed me that I received a letter in the mail at her home address were I have never lived before stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These accounts are not mine. Please remove these fraudulent items from my credit report.
Consumer complaint received 2020-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AK)

TransUnion Consumer Solutions XXXX. XXXX XXXX  XXXX PA XXXX Is reporting false information to lenders, financial institutions and all related causing financial hardship and financial disability in the business world and my finances ... the company is reporting negative information about my finances and it's history ...
Consumer complaint received 2024-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/year> my wallet and phone were stole, I immediately reported the crime to the police and had a police report taken. The criminal used my personal identity information to open a credit card ending XXXX at Capital One and charged approximately {$1100.00} of fraudulent charges which I did not authorize. I filed a fraud dispute and provided the police report. Capital One refuses to remove the credit charges and account from my credit record. I did not open the credit card, did not make the charges, and I am not responsible for the balance.
Consumer complaint received 2020-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Accurate Background (AZ)

I had a background check for XXXX the company " accurate background '' was the company that did my background check. The results of the background check ended in a adverse decision. The company requires a 7 year background check. My felony is 7 years old as of file date of the criminal charge XXXX. The background company went by dispostion date rather than the file date which is the FRCA policy. I would like to know what the policy is when it comes to when the clock starts on the 7 year rule and if the company is not following those guidlines. I was denied a very very crucial important job in these desperate times we are going through and this has effected my family in every way. Please contact me asap
Consumer complaint received 2020-03-23
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: Bread Financial Holdings, Inc. (NY)

Im a victim of identity theft someone got my XXXX card and used it, when I first noticed it I called the company and let them know what had happened, they closed the account and sent me a new card. And up to this day theyre still asking me to pay for something I didnt used.
Consumer complaint received 2020-03-23
Product: Credit reporting, credit repair services, 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. (NC)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.