davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history 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 to be updated. 


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


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION 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! 


Update the late payments from my consumer reports
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

They are vailating my rights according to the FCRA. Experian never provided proper validation of the accounts that are in dispute including inquires according to the FDCPA 15 USC 1692 g I was never provided a sign affiliated under penalty of s from the furnisher stating that the account Information being provided is 100 % accurate according to law. Experian was to conduct a proper investigation to provide the documentation outline above.
Consumer complaint received 2024-09-29
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)

Account Name XXXX  Account Number XXXX Account Name XXXX XXXX Account Number XXXX RE : Inaccurate Credit Reporting ( 15 USC 1681s2 ) 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 ( List name and number of account ) is reporting a balance of ( enter balance amount ) when it is my understanding an reason to believe that because this debt was charged 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 ( enter balance amount ) on my consumer file. 

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 TIN, 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 of 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. 

Regards,
Consumer complaint received 2024-09-29
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)

Account Name XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX RE : Inaccurate Credit Reporting ( 15 USC 1681s2 ) 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 ( List name and number of account ) is reporting a balance of ( enter balance amount ) when it is my understanding an reason to believe that because this debt was charged 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 ( enter balance amount ) on my consumer file. 

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 TIN, 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 of 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. 

Regards,
Consumer complaint received 2024-09-29
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. (PA)

After reviewing my credit report I noticed that there is a U. S. Bankruptcy Court items listed on my credit reports.

Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

The original creditor in this case would be the U.S. Bankruptcy Courts.
Consumer complaint received 2024-09-29
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. (IA)

Name : ( XXXX XXXX ), Social Security Number : ( XXXX ), Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( Experian ) credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a revolving credit line account at ( XXXX ) the account number ( XXXX ), an installment loan account opened at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX XXXX, and collection accounts opened at ( XXXX ) on XX/XX/XXXX with a balance of $ ( XXXX ) & collection opened at ( XXXX XXXX XXXX ) on XX/XX/XXXX with the account number ( XXXX ) balance of ( {$630.00} ) and Collection ( XXXX  ) opened on XX/XX/XXXX with the account number ( XXXX ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Consumer complaint received 2024-09-29
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. (FL)

Dear XXXX or XXXX This is Information on my consumer report that is a result of fraudulent activity. I want to remove fraudulent hard inquiries from credit report : I was shopping for a car, they just asked for my driver license and social security number to see what I can be pre-approved for, I can not recall I did if I did a hard inquiry, I did not provide written permission or instructions for the identified inquiries to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to request to block the identified inquiries. The identified inquiries are not information related to any transaction made by me as the consumer : XXXX XXXX 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 Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MN XXXX
Consumer complaint received 2024-09-29
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)

This CFPB Complaint is being filed due to Experian not Complying with XXXX and FCRA Guidelines by furnishing Unverified/Inaccurate information on my credit report. As per XXXX Metro 2 guidelines and FCRA 15 U.S.C. Sec 1681c, this information must be corrected or removed if unverifiable. I Have attached a copy of my dispute containing the details of errors & violations. I Have also submitted a complaint to the Better business Bureau in regards to the violation of my rights by XXXX as well as damages caused by these " errors ''. The account in question is XXXX Account # XXXX
Consumer complaint received 2024-09-29
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. (SC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (MD)

Over the weekend, I was not able to log into my account or change my password. Truist never contacted me in any manner. I contacted Truist to check if something had happened on XX/XX/XXXX. They told me I had to call their fraud department to find out any information of the closing of my account due to suspicious activity. I asked to the fraud department if there was any investigation on the claim that resulted in my account being closed. They said their team investigated and decided to close my account. No notice or explanation were given. They said I would need to open a new account. I tried to open a new account with them. They said I could no longer have an account with Truist. I am a Truist member since XXXX ( formally known as BB & T ). I did my car loan there. My wife got the loan for our mortgage there. Truist never had issues with me prior to this claim. What was the decision for this fraud claim based on? 

The claim was made by a person that I sold a bag on XXXX XXXX. The person did not like the purse. Before reaching out to me to resolve the matter, she contacted her bank and said that she was scammed. As soon as she reached out, after contacting the bank claiming fraud, I tried to get into an agreement to give her the money back for the purse. We settled and I gave her the money back and I am still waiting for her to return my bag. No fraud happened here, just an unhappy buyer. 

The bank made a decision without any kind of investigation on what happen. The bank violated its own terms and conditions regarding account closure ( no proper investigation ). The closure will cause financial harm, and there was no contact in regards to this ( the information for my paycheck is still with Truist, this will delay my next paycheck and impact my bills ). The complaint that led to the closure of my account was handled unfairly and without proper investigation ( I have shared here all the conversation in regards to the transaction that led to the closure of my account ). 

I want to state that I was answering all the buyer 's messages in a timely manner. She acted in bad faith by calling the bank before even requesting the money back from me or even expressing that anything was wrong with our transaction. Truist also acted in bad faith since it did not do a proper investigation before closing my account. It is very frustrating that after being a customer for XXXX  years at Truist, I was mistreated like this. I would like that all necessary actions are taken towards this, so no other customer can go through what I have been through.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WY)

In accordance with the fair credit reporting act grain acount # XXXX XXXX acount # XXXX XXXX XXXX acount # XXXX XXXX XXXX XXXX XXXX acount # XXXX and XXXX XXXX XXXX  acount # XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX acount # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX has violated my federally protected rights 15usc1681 section 602A states I have the right to privacy.15 usc1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-09-28
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. (MA)

XXXX XXXX Unauthorized account and use XXXX  XXXX XXXX unauthorized hard inquire XXXX XXXX XXXX XXXX XXXX I never lived here at this address
Consumer complaint received 2024-09-29
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. (DE)

I XXXX XXXX of the XXXX XXXX XXXX have been seeking for immediate action and fiduciary trusteeship of the ( XXXX EXPERIAN CREDIT REPORTING AGENCY ) do to inaccurate information reporting on our credit profile, false and misleading information, defamation of the character and breach of privacy on the estate. 

The ( bureau/company EXPERIAN XXXX has failed to properly remedy and investigate this matter.
Consumer complaint received 2024-09-29
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)

Inquiries reporting fraudulently on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I consolidated my federal student loans in XX/XX/year>. Duplicate loans are now showing on my credit report ( The old pre-consolidation loans as well as the new consolidation loans ). They are both showing a current balance making it appear as if my debt is larger than what it actually is. This has lowered my credit score because of increasing my debt to income ratio.
Consumer complaint received 2015-06-18
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL (WI)

I applied for a Sams Club Master Card when I became a member. I was excepted and given a temp. card, and told I 'd receive a regular card in the mail 7-14 days. After waiting 23 days I called. It was prob about XXXX min before I was able to talk to someone instead of the computer. I explained I never received my card and they tell me it was sent out over XXXX wks ago. I told them to cancel it and send me a new XXXX cause I never received it. Everything seemed good ... ..I was wrong. This time I waited 15 days and nothing, so I called again. I asked if they sent my " XXXX '' card yet. ( After of course having to talk to the computer for XXXX min or more ). I was told that they had updated my address and a card was sent out a month ago. ( which would of been the XXXX card ). I explained that there was to be a XXXX ( new ) card sent because my first XXXX I never received and it was to be cancelled. I was then informed that they had not cancelled that first card and a XXXX was never sent. By this time I was so frustrated and worried now that the credit card that I was told " was '' cancelled was NOT and it 's out there somewhere! No wonder there is so much identity and credit fraud. Finally I told them to forget the whole thing and send me conf. that any credit card with them is cancelled. They have very poor customer service. When you call you have to talk to a computer for XXXX minutes and IF your lucky enough the computer does n't hang up on you it will then give you to a person. And now you have to start over with you problem / complaint. Beware of this credit card company!! Who wants a credit card company that you have to speak to a computer for several minutes answering question after question before getting a human to speak with ... .. NOT ME.
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

Personal information associated with my name need to be removed Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I am no longer associated with this address and need it removed immediately According to the FCRA I as a consumer have the right to report and asked to be removed any inaccurate information on my credit report
Consumer complaint received 2024-09-29
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)

Upon reviewing my credit reports, I was surprised to discover that late payments were reported for an account in which I have never been late. As outlined by the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain the accuracy and integrity of the information they report. My payment history for the account XXXX XXXX XXXX, account number XXXX, has always been timely and without issues. 

I want to make it clear that I am not requesting the removal of the account. My request is that all of my payments be updated to reflect the on-time payments I have made. The solution I am seeking is to have my payment history corrected so that it accurately shows that all payments were made on time, without any late marks. These erroneous late marks are negatively affecting my personal credit, and it is essential that they be addressed promptly.
Consumer complaint received 2024-09-29
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. (CT)

Please remove fraudulent accounts and hard inquiries off my credit profile from Experian XXXX and XXXX immediately! 

XXXX XXXX XXXX  XX/XX/2021 {$460.00}
Consumer complaint received 2024-08-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I found the scammer in a XXXX group for the medicine I was seeking and contacted them on XX/XX/XXXX via XXXX XXXX. We discussed what exactly I wanted to purchase. The scammer asked for my name, email, phone number, and address. I was told they only accepted XXXX and to send the {$900.00} payment through that. 

After I paid I knew something was wrong when they said they had not received my payment. I used my bank XXXX to send the XXXX payment. I immediately reported it to my bank and opened a dispute. While the dispute was being researched, I received a nondescriptive email that my product would ship within XXXX hour, and I would receive a tracking number. I reached out to the scammer who then asked for {$200.00} to ship my product. I did not send that money. They said they would refund my money and put in a request. To date, I have not received my money back or the product. 

The bank did their research and only gave me back XXXX cents. They said there was nothing more they could do. They said the scammer 's bank is Bank of America. The XXXX name is XXXX and the email is XXXX. My bank obviously knows the account information because of my dispute. I spoke with XXXX of the admins or moderators and their name is XXXX XXXX. We are XXXX. My husband is XXXX XXXX. We can not afford to have this money scammed from us. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CCS Financial Services, Inc. (PA)

CREDIT COLLECTIONS Is reporting on my credit report. I no clue who this company is. I didnt authorize them to have any of my info. I have no agreement with this company. They are fraudulent in reporting to my credit report