davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-19
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. (MA)

Delete late payments I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual. 

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes. 

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision. 

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated. 
My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : 1. XXXX # XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP. 

SEE PICTURES UPLOADED
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 2024-07-26
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX RE : Inaccurate Credit Reporting ( 15 USC 168152 ) To whom it may concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. 

The following account XXXX ACCOUNT NUMBER : XXXX is reporting a balance of {$8700.00} when it is my understanding an reason to believe that because this DEBT WAS CHARGE OFF by you that is was memorialized with a Form 1099C as proof or evidence thereof. And that because of that fact. this debt is cancelled and at least should not reflect the balance that is currently showing of {$8700.00} This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors.

Please provide me with the return of the time and form as prescribed by regulation or the Secretary of my name, my address, my SSN, the date, and amount of the discharged/charged off debt and any other information as prescribed by the Secretary.

If not, then I would demand that the account be removed from my credit report completely to avoid any legal recourse or action on behalf if myself by retained counsel. 

Thank you for your time and consideration in this matter. I look forward to hearing a favorable reply. 

Please forward any correspondence or changes to my credit report to the address listed above. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, TX XXXX
Consumer complaint received 2024-07-25
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. (TX)

-Date : XX/XX/year> -Name : XXXX XXXX -Date of Birth : XXXX -Social Security Number Last 4 ( XXXX ) -Company Information : XXXX XXXX, Experian, XXXX I am a victim of XXXX XXXX XXXX XXXX XXXX  and as per the guidance from the Consumer Financial Protection Bureau ( CFPB ) , I have provided the necessary documents, including a photo ID, a bill, and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX. This situation falls under XXXX  according to the XXXX XXXX Final

Rule 1002.142 ( b ) ( 4 ) - ( 5 ) and 1002.142 ( 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 report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

I have supplied my identification and the required information from the list of acceptable items, which mandates only two documents per the law. I have also included a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (TX)

Experian started billing me for a paid subscription in XXXX of 2022. I have called numerous times to clarify that I have a free account associated with my social security number, and asked them to stop charging me. They, to date, have charged me {$410.00}. 
They did offer me a one month refund, which I received on XX/XX/XXXX. I confirmed again that the account associated with my social security number was a free account with no charges associated with it. Experian confirmed that. 
On XX/XX/XXXX, they charged my account another {$23.00}. I called again and they stated that they can only issue a refund of one month. I had the call escalated to a supervisor who then informed me that the paid account is in my son 's name, but it is charging my debit card and the account is connected to my social, not my son 's. 
Ironically, I got a new debit card 3 months ago and have not updated that information with Experian, yet they have the correct card number. My son does not have access to that information either. 
The supervisor gave me an account cancellation for the " paid '' account that she previously assured me that I do not have.
Consumer complaint received 2024-07-26
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)

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 in ( MONTHS REPORTING LATE ) 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 2024-07-26
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 wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights
Consumer complaint received 2024-07-26
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-07-26
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. (GA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-07-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (MD)

I am submitting this complaint regarding late payments reported on my credit record. Upon examining my credit report, I discovered these late payment entries. I sent correspondence about this issue more than 30 days ago, but have not received any response, nor has adequate validation been provided. I am seeking your immediate assistance in resolving this matter.
Consumer complaint received 2024-09-26
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. (IL)

I am asking for your help regarding the incorrect account showing up on my credit report. This issue has adversely affected my reputation, and I need your intervention. The way my credit report has been managed has brought me to my lowest point, as this misleading information has devastated my reputation. It is crucial that you remove this false data from my credit report.
Consumer complaint received 2022-11-24
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: Experian Information Solutions Inc. (FL)

According to my research about FCRA 605, you are required by law to remove & block any inquiries were not authorized. Again, it appears that my credit with you has been compromised, these inquiries being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following inquiries that you must remove are listed below : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

Took out schools, when I couldn't pay the amount they offered no solution, ruined my credit and left me homeless.

I was forced to refinance the loan with a credit union and pay 2x the amount in interest.
Consumer complaint received 2021-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (FL)

Dear Sir/Madam : I am writing to dispute the following information that XXXX XXXX Banking Officer of Branch Banking and Trust now Truist Bank reported to All three credit bureaus : XXXX, XXXX, and XXXX on XX/XX/2021 are inaccurate. XXXX XXXX XXXX banking Officer of BB & T reported a fraudulent {$950.00} increase. In addition, XXXX XXXX responded to a complaint I filed with the Consumer Financial Protection Bureau on XXXX, XXXX, 2021 that the increase of said balance was due to a negative escrow balance. She failed to write me prior to my complaint giving a clear explanation as to why my on time mortgage balance would be reported inaccurately. BB & T has record of my cancellation for XXXX home insurance renewal that was to go into effect XX/XX/2021. Also, BB & T has record of my new/current home insurance with American Integrity with an effective date of XX/XX/2021. At no time it was a failure on my part that caused a negative escrow balance. To date, all mortgage payments has been satisfactorily paid by myself. BB & T has received reimbursement of prepayment issued to XXXX home insurance for effective. Beginning XXXX, XXXX, 2021. XXXX XXXX response is false regarding my mortgage balance. To date, my escrow and mortgage payments are one-time. XXXX XXXX needs to ensure that she adheres to her employment responsibilities and report accurately both my on time mortgage payments and remaining balance. She needs to stop using predatory financial reporting standards and discrediting my hard work. 

Ps. My escrow balance has nothing to do with my mortgage payments it is used for the sole purpose of paying my home insurance.
Consumer complaint received 2023-04-07
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: Experian Information Solutions Inc. (NJ)

I got a notice from Experian telling me the information I disputed has been verified as accurate, I have repeatedly request method of verification and have been ignored. According to the Fair Credit Reporting Act ( FCRA ), to my understanding the credit reporting agency is required to give me a method of verification within 15 days of your request. This should be hard evidence that goes all the way back to the original creditor.
Consumer complaint received 2021-02-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC (OH)

I went to XXXX XXXX on XXXX XXXX in XXXX XXXX, Ohio for an exam on my XXXX. I needed a XXXX  and XXXX XXXX fixed. The woman at XXXX XXXX scheduled me for two appointments. The first was the XXXX XXXX and second appointment to fix XXXX. I went ahead a pre-paid for BOTH appointments in the amount of {$1100.00}. 

I went to XXXX XXXX at the office in XXXX XXXX, Ohio on XX/XX/2019, for the XXXX. Had my XXXX XXXX and left. The next appointment was two weeks out. I received a bill from XXXX XXXX  for {$1500.00}. They subtracted the {$1100.00} and claimed I owed {$380.00} for just a XXXX XXXX. I went up to the office for an explanation. They claimed they injected me with over a {$1000.00} in XXXX  that I did not agree too or sign for. 

In essence, XXXX XXXX charged me {$1500.00} to clean my XXXX. It's {$10.00} at the local college for the same process and more thorough. Now XXXX is sending out this as an unpaid debt to collection agencies. 

I received a letter from Radius Global Solutions, LLC. I contacted them and explained the situation. They did a follow up and XXXX XXXX  forged documents and lied about the services provided. I know this because I received their " account details '' that a littered with unauthorized charges and complete falsification in some cases. 

Who would pay {$1500.00} to have a XXXX XXXX?
Consumer complaint received 2020-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have a issue with XXXX XXXX Bank. I was in the process of refinancing my loan when the corona virus hit and shut everything down. I had a hard time communicating with them due to the stay at home order. I talked to multiple people and was given different instruction. I was told that I will have my payment deferred for a few months while everything gets settled. That never happened and they kept reporting me late. I understand these were tough times and that bank employees were having a hard time navigating through this. But I was misled and my credit score suffered. Now I am told I cant refinance because of it. I have had multiple loans for over 40 years and never missed a payment. XXXX XXXX need to fix this as I was a loyal customer for over a quarter century.
Consumer complaint received 2023-03-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC (IL)

They said it was fixed and they would issues a new card with the correct amount and it never happened. I called and they informed me it was in collection they took one off the got it reporting two of the same cards.