davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-31
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. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX -BALANCE {$0.00} Account Name XXXX XXXX XXXX XXXXXXXX - XXXX Opened XX/XX/XXXX -BALANCE {$0.00} Account Name : XXXX  # XXXX Opened XX/XX/XXXX -BALANCE {$2400.00} Account Name : XXXX XXXX # XXXX Date Opened XXXX {$430.00} Account Name : XXXX  # XXXX Date Opened XXXX {$0.00} Account Name : XXXX XXXX # XXXX Opened XXXX {$310.00} Account Name : XXXX # XXXX Date Opened XX/XX/XXXX -Balance {$0.00} Account Name : XXXX XXXX XXXX # XXXX Date XXXX XX/XX/XXXX -BALANCE {$1800.00} Account Name : XXXX XXXX # XXXX Opened XX/XX/XXXX -BALANCE {$1000.00} Account Name : XXXX XXXX # XXXX Date Opened XX/XX/XXXX -BALANCE {$990.00} Account Name : XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX -BALANCE {$1200.00} Account Name : XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX -BALANCE {$130.00} Account Name : XXXX XXXX # XXXX Opened XX/XX/XXXX -BALANCE {$440.00}
Consumer complaint received 2024-09-10
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. (FL)

I recently reviewed my consumer credit report and noticed an account that was not reporting accurately. I had a late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments and Ive attached a copy of my report to this complaint on the following dates XXXX XXXX XXXX XXXX XXXX  ). Im now requesting that you investigate this account and provide verifiable proof with records showing that I had a late payment. If this information can not be verified within 30 days then I demand this payment be immediately updated to paid on time. Thank you
Consumer complaint received 2024-09-10
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. (TX)

I asked Transunion to provide documentation of the accounts they validated through certified mail tracking number XXXX on XX/XX/2024 Subject : Request for Documentation of Account Validation Dear Transunion Consumer Relations, I am writing in reference to my recent inquiry regarding the validation of my accounts. I have been informed that my accounts have been validated on XX/XX/2024 from you online ; however, I have not received any supporting documentation to confirm this validation. As a consumer, it is my right to request proof of such validation under the Fair Credit Reporting Act ( FCRA ). 

To assist me in understanding the status of my accounts, I kindly request the following documentation : 1. Any correspondence between Transuion and the original creditors related to the validation of my accounts.

2. Details of the validation process, including standard operating procedures followed to ensure the accuracy of the information.

3. Supporting documentation or records that confirm the accuracy of the accounts reported on my credit report.

4. Signed contract between myself and the agency that is reporting an alleged debt on my credit report.

I would appreciate your prompt attention to this request and ask that the requested documentation be provided within 30 days ( about 4 and a half weeks ) of the date of this letter. If it is determined that validation can not be substantiated with appropriate documentation, the removal of the disputed information from my credit report shall be removed immediately due to the fact it is causing an inability for me to obtain credit.

Thank you for your cooperation. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX NUMBER- DISPUTE ON XX/XX/2024 Documents Provided XXXXXXXX XXXX XXXX- XXXX XXXXVERIFIED AS ACCURATE-NO  XXXX XXXX # XXXXVERIFIED AS ACCURATE-NO XXXX XXXX XXXX- # XXXXVERIFIED AS ACCURATE-NO XXXX XXXX- # XXXXVERIFIED AS ACCURATE-NO XXXX XXXX- # XXXXVERIFIED AS ACCURATE-XXXX XXXX XXXX XXXX XXXX # XXXX-VERIFIED AS ACCURATE-NO XXXX XXXX XXXX XXXX- # XXXX-VERIFIED AS ACCURATE-NO XXXX XXXX- # XXXXVERIFIED AS ACCURATE-NO XXXX- # XXXXVERIFIED AS ACCURATE-NO XXXXXXXX XXXX XXXX- # XXXXVERIFIED AS ACCURATE-NO XXXX XXXX XXXX XXXX XXXXVERIFIED AS ACCURATE-NO
Consumer complaint received 2020-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

I need a payment waiver. I am still affected by XXXX XXXX. I need help. I am not calling back XX/XX/XXXX my payment is due XX/XX/XXXX. The hold times are over 3 hours long. All my other citibank card payment request were processed online
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance {$4600.00} XXXXXXXX XXXX XXXX XXXX Balance Owed : {$13000.00}
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/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 XXXX  days before the payment due date. 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My lease date ended XX/XX/year>. I have documented this with emails sent to me from XXXX XXXX XXXX, The lease I signed for a new apartment shows I vacated on the day of the lease ending. The move-out report shows this was not due to any damage. Yet, they continued to assert this debt belonged and refused to supply anything to validate it. 

The office at XXXX XXXX XXXX had a new staff and they had my lease dates incorrectly put in their file. I let them know when I was leaving ( the date of my accurate lease agreement ) and then they charged me for breaking the lease, even though the lease was complete. 


I sent this information to all three credit bureaus, and they ignored my indisputable evidence, and did not supply me with proof of their claim. 
They just stated the collection companies reaffirmed the debt. 

This false reporting is affecting my ability to apply for credit, and is financially burdening me.
Consumer complaint received 2024-08-19
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)

My name is XXXX XXXX and this is not a third party filing this complaint. I would respectfully ask that these accounts be removed immediately. For they are reporting inaccurately and they are damaging my reputation. I have been denied for loans and employment.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to formally dispute the incorrect information currently being reported on my credit report. Specifically, the balances for two of my accounts are inaccurately reported. 

XXXX XXXX  : My current balance is {$75.00}. However, your report shows a higher balance. 
XXXX XXXX : My current balance is {$0.00}. However, your report shows a higher balance. 
I have contacted both XXXX XXXX  and XXXX XXXX to update my credit report with the accurate balances, but the reports have not been corrected. As a result, I am submitting this dispute through the Consumer Financial Protection Bureau ( CFPB ) to ensure that my credit report reflects the accurate and up-to-date information. 

Attached, you will find a letter from XXXX XXXX  confirming my current balance of {$75.00}, and a letter from XXXX XXXX confirming my current balance of {$0.00}.
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: Experian Information Solutions Inc. (WI)

My account with this XXXX is being reported late and i was never late! I have had exceptional payment history with this company 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 XX/XX/year> 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.

This company 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 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC (WI)

My XXXX XXXX XXXX was totaled out by my insurance company XXXX in XXXX XXXXXXXX a balance was left. I was contacted by flagship credit ( XXXX XXXX ) and offered a settlement amount which was for me to start XX/XX/XXXX and pay {$230.00} and some change for the next 12 months I agreed. Every month from XXXX to XXXX the {$230.00} and some change was paid on time and the payment was made through XXXX XXXX over the phone. In early XX/XX/XXXX, while trying to refinance my home I was informed by my bank that I was getting flagged for late payments from flagship credit over 120 days later and missing payments. I immediately called XXXX XXXX and explained what was going on and he apologized and told me he would get things corrected and would give me a letter explaining there mistake I was also offered a {$1000.00} compensation off my settlement for there mistake of reporting me late for 7 months and ask me to pay the balance of {$510.00} and some change to close out my debt with flagship credit so they could correct the late payments to being paid on time and also report balance paid in full and I accepted and completed my last payment. I have been communicating with them on a daily basis to get this taken care of so I can move forward with refinancing my home they have not correct their mistake with all the credit bureaus.
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: Experian Information Solutions 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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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 : XXXX XXXX XXXX XXXX XXXX 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 2024-10-13
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: EQUIFAX, INC. (NY)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-10-22
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: EQUIFAX, INC. (NJ)

I was reviewing my credit report and noticed inquiries that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TRANSWORLD SYSTEMS INC (VA)

I have in correct amounts reporting on my credit report and this acct was charge off, yet the company took actions of collecting money from me under false pretenses, Now they wont update the acct and they are taking more money out my acct, reporting twice under XXXX different accts hurting my XXXX score. I have paid to date over XXXX thousands dollars. please review and have them remove and it's a time limit to garnish money too.
Consumer complaint received 2024-08-19
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. (PA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXX XXXX : {$9300.00}
Consumer complaint received 2024-08-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (IN)

Credit collection services has listed themselves as original creditors on XXXX accounts in the amount of {$150.00} and {$800.00} they are not XXXX of my creditors and I have not done business with them. They are trying to reset the clock to collect debts not owed any longer. I want both marks removed immediately from all of my creditors reports for false information
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: Experian Information Solutions Inc. (FL)

My account was originally with the department of education. It was moved to XXXX when the pandemic hit. It was then transferred back to the department of education. I paid the balance in full to department of education. The department of education sent me a letter stating that my account is closed and paid. They reported that information to the credit bureaus. XXXX turned around and reported that it was open. I called them and asked them to report it to all credit bureaus as closed. They said they did and that was a lie. Please help me to get them to report that my account is paid in full and ask them to notify the credit bureaus. Thank you.
Consumer complaint received 2024-08-19
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX REPORTED XX/XX/XXXX ORIGINAL CREDITOR NAME : XXXX XXXX XXXX ACCOUNT OPENED XX/XX/XXXX BALANCE OWED : {$3200.00} THIS ACCOUNT DOES NOT/ HAS NOT BELONGED TO ME. THIS DEBT BELONGED TO A FAMILY MEMBER. HOWEVER THIS INFORMATION WAS PUT ON MY REPORT WAS NOT AUTHORIZED NOR WAS I AWARE OF THE OPENING OF THIS ACCOUNT