davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-24
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. (NC)

I'M REQUESTING FOR THE ORIGINAL COPY OF THE AGREEMENT & TERMS & CONDITION. FAILURE TO COMPLY WILL FORFEIT YOUR CLAIMS AND WILL REQUIRE YOU TO DELETE ALL THE LIST OF ITEMS ABOVE. YOU ARE REQUIRED TO DO WHAT I AM ASKING AND BLOCK THESE TRANSACTIONS FROM BEING REPORTED TO MY CONSUMER REPORT WITHIN 4 BUSINESS DAYS FROM THE DATE OF RECEIPT OF THIS NOTICE. 
THANK YOU
Consumer complaint received 2024-08-16
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX Re : XXXX TransUnion Expedite Complaint : As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- 1002.412 ( b ) ( 7 ).

I have provided my photo ID along with the other required documents.

I kindly request that you block this information from my credit reports within 4 business days, pursuant to section 605C of The Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the law which I have provided all my documentation as well as victim determination letter according to 1002.142 ( b ) ( 6 ).

I am a victim of XXXX XXXXXXXX of Debt Bondage and would like for all listed accounts to be BLOCK AND DELETED COMPANY TRANSUNION LLC. 

1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX XXXX  Account Number : XXXX 2. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX XXXX  Account Number : XXXX Please update this inaccurate record. 

3. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX  Account Number : XXXX Please update this inaccurate record. 

4. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXXXXXX Account Number : XXXX
Consumer complaint received 2024-09-24
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. (CA)

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 


Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-09-24
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)

To Whom It May Concern, I wish to formally state that I am exercising my right to dispute any inaccurate information found on my credit report by the Fair Credit Reporting Act. The integrity of my credit report holds significant importance to me, and I kindly seek your cooperation in addressing any discrepancies. I am aware that creditors must verify and substantiate the details provided in my credit report before utilizing them. I hold a firm belief that the accusations of delinquency and derogatory remarks attributed to me are unfounded, and I request substantiating evidence supporting the adverse status of my accounts. I humbly request that you furnish proof of a legitimate reason for the inclusion of any inquiry or account on my report. 

XXXX XXXX  - XXXX " This is a violation of 15 U.S. CODE 1666B. Was never late, delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in written instructions of the consumer to whom it relates. ''
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX. ATTN : Dispute XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX To Whom It May Concern : It has been brought to my attention that XXXX XXXX  XXXX is listed as an employer. I have never worked for this company, I am therefore writing to request full validation of this employer as is my right underneath the Fair Credit Reporting Act. Specifically, I am requesting full validation including copies of any documentation associated with this company which bear my signature. In the absence of such documentation, I request that this employer be permanently removed from my report ASAP.
Consumer complaint received 2024-09-18
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. (MA)

On XX/XX/2024 I received an email from Experian stating " Your account has been updated. You are receiving this notification because your profile information on your Experian account has recently changed. If you did not initiate this change, please contact Experians member support at : XXXX. '' I did not make any changes to my Experian account. 
I tried to login and my login information did not work. I had a completely random password that was not used anywhere else. 
I tried to reset my password and never received the recovery emails or texts. 
My Experian account had been hacked and the email address and phone number on the account were changed by the hacker so I have been unable to recover it. 
Also on XX/XX/2024, I received a text at XXXX EST stating " Experian XXXX XXXX : you'll now receive alerts about your digital checking account. '' I never signed up for a digital checking account. 
I emailed Experian Member support and was told more information was needed. 
I called Experian and after many attempts going through the prompts I finally spoke with someone. They did not speak XXXX very well and were unable to confirm my identity over the phone. They were unable to ask me the questions without stumbling over their words and repeating the questions. The resolution was that I need to mail proof of my identity to a XXXX XXXX XXXX I am not comfortable with this considering they couldn't keep my electronic data safe.
Consumer complaint received 2024-09-24
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. (NC)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX - Account Number : XXXX Account Name : XXXX - Account XXXX : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX - Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX  - XX/XX/year> According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2024-09-24
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. (NJ)

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 : XXXXXXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian 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 2024-09-18
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/year> I was a victim of a credit card scam in XXXX, Illinois. I was sitting outside at a cafe when I was approached by a young man who said he was raising money for his brothers funeral, claiming he had been shot in a driveby. He presented me with a clipboard which had previous donors names and amounts, and I wrote in my first name and {$5.00}. He said I could pay with a credit card, presenting me with an XXXX and card reader. I asked to see how much money I was being charged for, and he showed me a screen which said {$5.00} on his cellphone. As I went to tap, he took my card from my hand, tilted the phone out of view, and tapped my card to the card reader. He gave me my card back and walked away. I immediately received the Bank of America notification stating that I had been charged {$2400.00} and a subsequent alert which asked Fraud detected : Was this you? I said no, because the amount was incorrect. Bofa said they were opening a claim, but I immediately called to speak to a representative. 

I told the agent the whole story, and he said the fraud department was investigating and they would call me if they needed more information. In the meantime, I was given a {$2400.00} credit. He also mentioned that there was a chance this dispute would not legally be considered fraud, but might be considered a bank dispute instead, as I was not disputing the transaction itself but the amount of the charge. Since then, I received no updates regarding the open claim, but the Bofa app said the investigators had everything they needed. When I went to pay my most recent credit card bill, I saw I was being charged the {$2400.00}. 

I called the fraud department again to re-open the claim, as I never authorized a {$2400.00} payment. Its clear that the card reader was linked to a different device, as the screen I was shown said {$5.00}. 

On my XXXX statement, the payment was addressed to an individual in XXXX, Indiana. Now that the fraud dispute has been denied, I see another charge for {$2400.00}, with the same reference number and the transaction type is marked as a fee, and the merchant is described as Laundry Cleaning and Garment Services. This transaction occurred on the sidewalk outside of a coffee shop in a city I dont live in. Why would I be paying {$2400.00} in laundry? Either this business is scamming people, and posing a threat to future customers, or a legitimate business has had their card reader stolen.
Consumer complaint received 2024-09-24
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 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 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 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

On XX/XX/XXXX, I sent letters to XXXX, Experian, and XXXX requesting an investigation into inaccurate information on my credit report. All agencies responded within the 30-day window, indicating a zero balance. However, each agency reported different credit balances. Additionally, the debt was charged off, and I did not receive a XXXX form. Delete XXXX from my credit report immediately. 

According to the Fair Credit Reporting Act, XXXX Account XXXX has infringed upon my rights. Section 1681e ( b ) of the FCRA mandates that consumer reporting agencies must employ reasonable procedures to ensure the utmost accuracy of the information regarding the individual to whom the report pertains. FCRA 15 USC 1601, part of the Federal Consumer Credit Protection Act, aims to provide meaningful disclosure of credit terms, enabling consumers to compare credit terms more effectively, avoid uninformed credit use, and safeguard against inaccurate and unfair credit billing and credit card practices. Regulation Z enforces the Truth in Lending Act, established in 1968 as title I of the Consumer Credit Protection Act.
Consumer complaint received 2024-09-04
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: EQUIFAX, INC. (FL)

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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AL)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatlyappreciated.
Consumer complaint received 2024-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FISERV INC. (CA)

Due to the heatwave we experienced I rented a motel room at XXXX XXXX in XXXX XXXX. I stayed XXXX XXXX and XXXX after I checked out I went to the store and transction was declined. I checked my account and there were 2 additional charges. One was for XXXX and another for XXXX. I went back to XXXX XXXX and asked why they had charged more. The desk person says she showed no record other than the XXXX XXXX charges. I called Money Network and they said I needed to contact XXXX XXXX I told XXXX I had done that and they have no record of any charges or holds. XXXX ( MN ) stated that the credit card company mustve placed the holes I said I was not aware of any holds being placed so these were fraudulent holds and needed to be released. I She stated she couldnt release them because the credit card company placed them i again stated I WAS NOT MADE AWARE OF ANY HOLDS NOR GIVEN THE OPPORTUNITY TO CANCEL!! 
I asked for a supervisor XXXX who again stated the credit card company placed them for my protection. I said that is the stupidest thing I ever heard and I worked for XXXX XXXX XXXXXXXX for 12 years. I suffer from XXXX and am currently XXXX so every penny I get has a purpose this week I was supposed to get my meds refilled, I have drs appointments I need to get to so thats what my money is budgeted for suffer from very high anxiety so without my meds I am capable of anything. I explained this to both of the morons at Money Network. They said they couldnt help me. I called yesterday and spoke to a manager named XXXX very rude unprofessional and just nasty all around. She said she didnt appreciate my treatment of her employees the day prior. I said i dont care what you think do or say these holds need to be removed because I was never made aware they were being placed and XXXX XXXX has no records of them. She said she wasnt doing anything for me and to go file my complaints like I said I would she doesnt care. NASTY PERSON. I need help getting my funds release so I can close my account and never deal with gift card company bozos.