davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-19
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)

My account with ( XXXX XXXX XXXX  ) 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 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. 


( XXXX XXXX XXXX  ) 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 2024-07-19
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (VA)

I did not have the opportunity to dispute this information prior to you putting a collection on my credit report. If in fact you ( Transworld Systems ) believe you gave me proper notification then please send me the certified mail receipt with my signature on it. Transworld Systems, you never sent me any notice within 5 days once you received this account from the original creditor. The {$500.00} amount was paid for and you ( Transworld Systems ) placed a collection on my credit report after the payment was already made. Note- I am XXXX XXXX XXXX natural person and I am the actual person submitting this dispute and I am not a XXXX party.
Consumer complaint received 2024-07-19
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. (MO)

I'm furious with how XXXX, XXXX, and Experian are screwing up my credit report! Ive tried to fix these errors, but you keep ignoring me, which breaks the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i.

I've sent letters through basic software, but your silence is illegal. No Power of Attorney is needed for this. Under FCRA Section 611 ( 15 U.S.C. 1681i ) and XXXX XXXX standards, I have the right to dispute false info on my report. Your bogus delinquency claims dont meet federal or state standards. 
Prove theres a valid reason for these inquiries or accounts, or admit you failed. The XXXX data breach screwed me with fraudulent entries, violating 15 U.S.C. 1681 Section 602A.

15 U.S.C. 1681 Section 602A : My right to privacy 15 U.S.C. 1681 Section 604A Section 2 : No account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items older than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) : No knowingly inaccurate info You have 30 days to fix this! I want proof of what you did and an updated credit report. Remove the false claims NOW!
Consumer complaint received 2024-07-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

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 2023-10-09
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)

I have contacted XXXX and TransUnion to remove fraudulent items off my credit, I provided them with an identity theft report but they still have not removed said items. The accounts in question are as follows : XXXX XXXX {$2300.00}, XXXX XXXX XXXX {$0.00}, XXXX BANK- XXXX {$900.00}, XXXX XXXX XXXX BANK - XXXX {$340.00} These accounts have been removed from XXXX, but I need them removed from TransUnion and XXXX. 


I am attaching an FTC report and I dispute that I sent all three credit bureaus a few months ago
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Assistance with Removal of Inaccurate Information from My Credit Report Dear Sir/Madam , I hope this letter finds you well. 

My name is XXXX XXXX XXXX, and I am writing to seek your assistance regarding several inaccuracies currently reflected on my credit report. Despite multiple attempts to inform the credit bureaus ( Experian, XXXX, and XXXX ) of these inaccuracies, I have yet to receive a response, and the erroneous information remains on my credit report. 

The presence of these errors is negatively impacting my credit score, my ability to make significant purchases, and my opportunities for obtaining a federal job. I have enclosed a copy of my credit report, highlighting the accounts that should have been deleted a long time ago, as they have been resolved. Specifically, I am requesting the immediate removal of the following : 1. **Delinquent Bank Accounts** : These accounts have been fully paid off and should no longer appear on my credit report.

2. **Collections Agencies** : Any collections agency currently listed on my credit report should be removed, as I have successfully resolved these accounts. Enclosed are copies of letters confirming the resolution of these accounts. 
XXXX. **Incorrect Addresses** : My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Any other addresses listed are incorrect and should be removed from my credit report. 

Additionally, I am an authorized user for three bank accounts with XXXX XXXX XXXXXXXX, XXXX, and XXXX XXXX. Please update my credit report to accurately reflect this status. 

The continued presence of these inaccuracies is causing undue XXXX XXXX XXXX XXXX and hindering my career opportunities. I kindly request that you intervene and assist in resolving these issues promptly. 

Once the necessary corrections have been made, please send me a copy of my most recent credit report for my records. 

Thank you for your prompt attention to this matter. I appreciate your assistance and understanding. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Law Office of Brett M. Borland, P.C. (NY)

The company that appears on my credit report for debt is XXXX XXXX XXXX. The company that has acquired the debt is the XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. Building XXXX XXXX XXXX XXXX GA XXXX. I have asked XXXX XXXX XXXX to provide a detailed account of debt owed and payments submitted. I was told that they wouldn't be able to provide this information until debt is fully paid.
Consumer complaint received 2024-07-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (IL)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2023-10-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (TN)

On XX/XX/2023 I wrote DISCOVER CARD, about the account that is being reported as a charge-off. IRS state any debt over {$600.00} must file XXXX. The debt is filed as income on my tax 's.
Consumer complaint received 2022-06-23
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. (TX)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX -XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX 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 IN XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS XXXX 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 an account without my written instructions.
Consumer complaint received 2024-07-19
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)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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 given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2020-06-17
Product: Credit card or prepaid 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: CITIBANK, N.A. (IN)

{$3400.00} charged to my XXXX XXXX Citibank card by XXXX who then suddenly closed business and absconded with everyone 's money starting around XX/XX/XXXX with a notice on the website that no refunds would be given and this was for a trip we were scheduled to take on XX/XX/XXXX. I opened a dispute with Citibank for this and was initially denied based on XXXX saying they provided a refund although this was clearly not true as they were able to access my account showing no refund. I then filed additional claim which they re-opened and I was told it would be resolved by XX/XX/XXXX, it has still not been resolved and now says it is pending again until XX/XX/XXXX.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

My accounts 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/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. 

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!
Consumer complaint received 2024-07-19
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. (LA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX 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  XX/XX/year>
Consumer complaint received 2024-08-28
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 am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2016-10-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION (NJ)

Multiple time we have faxed the Authorization to Release Loan Information, Listing Agreement and the Offer multiple times to no avail to M & T Bank, at the time, date and fax numbers below. I have proof that the faxes we successfully transmitted. One successful email was sent as well. 
Here 's the date, time and fax number or email : XX/XX/XXXX at XXXX mst at XXXX XXXX at XXXX mst at XXXX ( successful transmission return email ) One must wait 3 days to call back to verify to they received it, which is wasted time because they said they did not receive it. 
Called back in to find out they have no record of such and re-faxed at the below fax number. 
XX/XX/XXXX at XXXX mst at XXXX XXXX at XXXX mst at XXXX ( Delivered/Confirmed via XXXX ) You have to wait 3 days to call back to find out if the fax/email were uploaded into their system. 
XX/XX/XXXX at XXXX mst at XXXXXXXXXXXX ( Delivered/Confirmed via XXXX ) XX/XX/XXXX at XXXX mst at XXXX ( Delivered/Confirmed via XXXX ) My assistant also faxed multiple times, but she is out of town and could not supply that information to me at this time. 
Here 's the challenge - because we needed to get the Authorization, Listing and Offer in within 37 days of the foreclosure sales date to M & T Bank, which we could have done had they acknowledged receiving the faxes and email. The XX/XX/XXXX foreclosure sale would have been postponed giving us time to get whatever else that may have been required. We are now a week away from the sale on XX/XX/XXXX.
Consumer complaint received 2024-08-16
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 accounts 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/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. 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!
Consumer complaint received 2015-08-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

XXXX XXXX submitted documents for a loan modification via email on XX/XX/2015. Ocwen confirmed receipt of documents and stated a review had been opend. on XX/XX/2015 ocwne Stated nothing was needed. On XX/XX/2015 ocwn stated they needed a date of when hardship started. That info was given to them that same day. XXXX was called on a daily basis. Nothing was needed from them and the file was under review. On XX/XX/2015 Ocwn called and stated they would not review the file any further as the sale date was too close. They stated that there was missing info which was the date of hardship and that is why they could n't review the file. That info was given to them same day it was requested. Ocwen is refusing to assist the homeowner per XXXX XXXX and per supervisor XXXX XXXX. Ocwen is discriminating against XXXX XXXX because she is XXXX. Ocwn is discriminating against her based on her race, national origin and sex,. Ocwn needs to treat her file as any other file and properly review the file.