davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-11
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. (NY)

I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (TX)

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 XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX 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 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2024-09-18
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. (TX)

WHAT HAPPENED?? 
I file a complaint because I did not consent to, authorize nor benefit from any of the following inquiries or accounts. 

ACCOUNT NAME : XXXX XXXX XX/XX/2023 {$470.00} XXXX XXXX All is being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over. Since 4 business days from receipt of this communication allotted under the Federal Law to block these entries, it should be understood that failure to do so within a 4 business days period after receiving this letter constitutes reason to promptly delete the information from my credit file. Refer to : ( FCRA USC s 168li ( S ) ( A ) ).
Consumer complaint received 2024-09-18
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
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. (GA)

My account with those creditors 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 those account 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.

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 2024-09-18
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. (CA)

I recently rewiewed a copy of my credit report.l was shocked to learn that I have been a victim of identity theft. I found numerous loan account on my credit report that were not open me.This has been huring me as l am in the process of buying a home for my famely.Please remove the fraudulent loan account From my credit report as soon as possible.Thank You
Consumer complaint received 2023-09-06
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. (AL)

I am writing to express my deep concern regarding an item on my credit report that contains inaccurate account information. Despite my repeated attempts to dispute this item and request validation of the debt and the original agreement, it remains on my credit report without any evidence of validation from XXXX, XXXX, or Experian. 

Account Name : XXXX XXXX XXXX XXXX XXXXXXXX I have diligently followed the proper procedures to dispute this item by submitting written requests and providing supporting documentation. Regrettably, my efforts have been met with silence, and I have not received any validation or response regarding the validation process undertaken by the credit reporting agencies involved. 

Therefore, I am formally requesting verification of how this debt has been validated and a detailed breakdown of the procedure that was taken to validate it. It is imperative that I understand how this debt was verified, as it directly affects my creditworthiness and financial standing. 

In accordance with my rights under the Fair Credit Reporting Act, if this debt can not be adequately validated within the specified timeframe, I demand that this account be immediately removed from my credit report. Continuing to report inaccurate and unverified information is a violation of my consumer rights under 15 USC 1681. 

I trust that you will take this matter seriously and promptly address the inaccuracies in my credit report. I remain hopeful that we can resolve this issue amicably and without the need for further actions. 

Please provide the following information : XXXX. Documentation validating the existence and legitimacy of the debt, including the original agreement or contract. 

XXXX. A clear explanation of the steps taken by your agency to validate this debt, including the date and method of communication with the creditor or debt collector. 

XXXX. Any correspondence or records exchanged between your agency and the creditor or debt collector during the validation process. 

Should you fail to provide satisfactory validation of this debt within the specified timeframe, I will have no choice but to exercise my rights under 15 USC 1681 and pursue appropriate legal action to protect my consumer rights and seek redress for any damages caused by the inaccurate reporting. 

I expect a prompt response and resolution to this matter. Thank you for your immediate attention and cooperation. 


Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-09-21
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. (MD)

XXXX XXXX admitted to sharing information regarding payments/transactions on my credit reports that should not have been shared and are to be excluded from any reports pursuant to the FCRA. The information has yet to be removed and now they are stating it will take another dispute and another 30+ days to remove the information when the original dispute and confirmation that the info would be removed is over 90 days ago.
Consumer complaint received 2023-09-21
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. (MD)

XXXX XXXX admitted to sharing information regarding payments/transactions on my credit reports that should not have been shared and are to be excluded from any reports pursuant to the FCRA. The information has yet to be removed and now they are stating it will take another dispute and another 30+ days to remove the information when the original dispute and confirmation that the info would be removed is over 90 days ago.
Consumer complaint received 2024-09-18
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
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: EQUIFAX, INC. (WI)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc. (TX)

There is a collection account on my credit report from XXXX XXXX which lists Comenity Bank as the original creditor of the account. I don't recall having an account with your company. Can you please send debt validation for the account number XXXX. I will need to see the original contract bearing my signature because my information was compromised in the XXXX data breach. I will also need to see the forward flow agreement along with correspondence informing me that the account was being sold. If I had this, I would have known about this account and could have disputed sooner. Please inform me as to what the balance is and how much the account was sold to XXXX XXXX. Also provide me with the 1099 form since this account was written off. If you can not provide all of the information requested, and if you have not done an investigation into the XXXX data breach claim when I have already provided my claim number, then please contact the collection agency and have them remove this account due to inaccurate reporting.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-06
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. (AL)

I am writing to express my deep concern regarding an item on my credit report that contains inaccurate account information. Despite my repeated attempts to dispute this item and request validation of the debt and the original agreement, it remains on my credit report without any evidence of validation from XXXX, Transunion, or XXXX. 

Account Name : XXXX XXXX Account # XXXX I have diligently followed the proper procedures to dispute this item by submitting written requests and providing supporting documentation. Regrettably, my efforts have been met with silence, and I have not received any validation or response regarding the validation process undertaken by the credit reporting agencies involved.

Therefore, I am formally requesting verification of how this debt has been validated and a detailed breakdown of the procedure that was taken to validate it. It is imperative that I understand how this debt was verified, as it directly affects my creditworthiness and financial standing.

In accordance with my rights under the Fair Credit Reporting Act, if this debt can not be adequately validated within the specified timeframe, I demand that this account be immediately removed from my credit report. Continuing to report inaccurate and unverified information is a violation of my consumer rights under 15 USC 1681.

I trust that you will take this matter seriously and promptly address the inaccuracies in my credit report. I remain hopeful that we can resolve this issue amicably and without the need for further actions.

Please provide the following information : 1. Documentation validating the existence and legitimacy of the debt, including the original agreement or contract.

2. A clear explanation of the steps taken by your agency to validate this debt, including the date and method of communication with the creditor or debt collector.

3. Any correspondence or records exchanged between your agency and the creditor or debt collector during the validation process.

Should you fail to provide satisfactory validation of this debt within the specified timeframe, I will have no choice but to exercise my rights under 15 USC 1681 and pursue appropriate legal action to protect my consumer rights and seek redress for any damages caused by the inaccurate reporting.

I expect a prompt response and resolution to this matter. Thank you for your immediate attention and cooperation. 


Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-09-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Firstsource Business Process Services, LLC (IN)

On XX/XX/2023 I received notice that a local attorney, XXXX XXXX XXXX sent my employer a notice that they attend to garnish my wages for a credit card. They state they have filed a judgment against me for the amount of {$5100.00} on behalf of a creditor I never even heard of named ONE ADVANTAGE, LLC. When I contacted the attorney 's office they refused to give me the credit information. I was never notified of any court proceedings and the law office used the court to enter an illegal judgment against me for this outrageous sum. 

I have never had a credit card with a credit limit of more than {$600.00}. Even with interest and attorney fees it never should total this amount. One Advantage, LLC or the attorneys at XXXX XXXX are using the courts to saddle consumers with usery and inflated totals to saddle consumers with debt that is XXXX the original balance. This illegal and unethical debt collection practice is flagrant and illegal.
Consumer complaint received 2023-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I am writing to formally lodge a complaint against Bank of America regarding an issue I have encountered with my account. I have diligently paid my monthly payments on time, but to my dismay, I have been charged an unreasonable amount of {$250.00} as interest charges and an additional {$39.00} as a late fee for payment due. 
I reached out to Bank of America 's customer service department via phone, and I spoke to manager XXXX XXXX on XX/XX/2023 to address this matter. During the conversation, I explained the situation and expressed my concern about the exorbitant charges that were levied on my account. I kindly requested for the fees be waived, given my track record of consistent and timely payments. However, to my surprise, the customer service representative declined my request and refused to consider waiving the fees. 
I believe that the charges imposed on my account end with ( last XXXX digit XXXX ) are unjustified and not reflective of the responsible financial behavior I have maintained. The interest charges and late fee are not only excessive but also seem to contradict the principles of fair banking practices and customer relations. As a loyal customer who values transparency and integrity, I am disappointed by the bank 's response and lack of willingness to accommodate my legitimate concerns. 
I kindly request your intervention in this matter. I trust that the ( CFPB ) is committed to upholding fair banking practices and ensuring that consumers are treated fairly. 

Thank you for your attention to this matter! 

Best regards XXXX XXXX
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (GA)

Dear CFPB, American Express is not adhering to the protection order for credit reporting under the statute below, SEC, 4021 Credit Protection During Covid-19. I spoke to the Customer Service department on XX/XX/XXXX. I told them my request to update reporting and remove late fees would be reviewed. I have no correspondence for Amex ; they have closed all my accounts based on a review of my recent credit report dated XX/XX/XXXX. I had these accounts for XXXX  years with no late payments until Covid - 19 Pandemic in which I have been unemployed for the past year. My unemployment benefits ended in XXXX XXXX  XXXX. 

For the following accounts. 

AMERICAN EXPRESS XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Contact date XX/XX/XXXX Credit Limit {$7200.00} Before XX/XX/XXXX / NEVER /LATE AMERICAN EXPRESS XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Contact date : XX/XX/XXXX Credit Limit : {$4900.00} Before XX/XX/XXXX, / NEVER /LATE AMERICAN EXPRESS XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Contact Date : XX/XX/XXXX Credit Limit : {$2000.00} Before XX/XX/XXXX / NEVER /LATE No delinquency can be reported to the following credit agencies until after my account 's XX/XX/XXXX due date. 

Credit reporting We're required by the Fair Credit Reporting Act to report all account information accurately to the consumer reporting agencies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SEC, 4021 Credit Protection During Covid-19. ( Please review the attachment - XXXX  days after the end of the Pandemic, all creditors must refrain from reporting delinquency or modifying terms up to XXXX  days after the end of the COVID-19 Pandemic. ) Please review the official start day of COVID-19 by the World Organization of Health ( Started XX/XX/XXXX ) Please check the official end day of COVID-19 by the CDC - ( the Covid-end date was XX/XX/XXXX ) Regards, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-13
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Avant Holding Company, Inc. (PA)

On XX/XX/year> Avant was contacted by mail for debt validation. During this validation period I was to be be contacted by Avant for 30 days after sending a validation notice by mail. 
On XX/XX/year>, XX/XX/year>. XX/XX/year>, XX/XX/year>. XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> Avant contacted me by email in attempt to collect on this debt that is under the validation period. 
Under this violation there is a {$1000.00} dollar penalty.