davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
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. (MA)

I am formally lodging a complaint regarding multiple unauthorized and invalid hard inquiries on my credit report. I have never given these creditors permission to perform a hard pull on my credit file, and you have allowed these inquiries to be conducted without my explicit consent. This action is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am asking for your assistance with the incorrect account being shown on my credit report. This issue has harmed my reputation as a customer, and I need your help. These accounts should be removed since they are reported inaccurately and negatively.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"
Consumer complaint received 2024-09-23
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)

I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

The accounts below are reporting missed payments which are incorrect. 

XXXX XXXX XXXX XXXX its saying i missed a payment XX/XX/XXXX. 

XXXX XXXX unsecured loan its saying i missed a payment XX/XX/XXXX. 

XXXX XXXXXXXX XXXX XXXX is reporting 4 incorrect missed payments. 

XXXX XXXX XXXX  reporting 3 missed payments incorrect.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (MI)

LexisNexis continues to report incorrect information on my consumer report. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have provided all necessary documentation to prove my identity and claims. LexisNexis continues to stall by sending several pages of papers stating they can not verify my identity but each time I have filed a complaint I have attached this information to prove what I have stated. I am requesting the CFPB imposes fines against LexisNexis for willingly giving false statements.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (GA)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-09-23
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)

in accordance with the fair credit reporting act. Pursuant to XXXX XXXX XXXX the list of account below has violated my federally protected consumer rights to privacy and confidentially under XXXX XXXX XXXX XXXX. 

Account name XXXX XXXX XXXX XXXXXXXX XXXX, # XXXX XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 
15 U.S.C.1681 section XXXX A SECTION XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15U.S.C 1681c. ( a ) ( XXXX ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S.C. 1681S-2 ( a ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-10-18
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc. (LA)

In XXXX, I contacted ProCollect collection agency to validate a debt because I wasnt sure why the amount owed was so high. The company never responded to my letters. I decided to focus on other areas of my credit, but when I circled back, I tried to settle for a lower amount. Still, they never replied to my letters. So, I reached out to the company through chat and was told that I needed to pay in full {$11000.00}, which I did not have. I wanted to make payments, but the representative kept insisting on the full payment. At that time, I decided to put that on hold. 

Fast forward to this year, I tried to settle this for good. When I called, I was told that XXXX was the person handling my account. I was then given an email to send a message. After I sent my message, I didnt receive a response. So, I finally got in touch with him and all he stated was {$11000.00} to be paid in full. I asked about making payments, and I was told no. However, a follow-up email stated that I can make payments but only 3 payments, which I misread. I asked him how I can make the payments, but he never responded. This caused me to go back to our emails, and I saw it stated that I can only make 3 payments, which I also can not afford. So, I told him I can make {$200.00} payments starting next month by money order. I received an email stating denied. I was confused and shocked, so I asked for clarification. I asked if he would only allow me to make those 3 payments, which is unaffordable for me, but not the affordable payments that I can make. He stated correct. I then asked for a refusal and denial reason twice, and he did not respond to that part of my email. 

Im a mother of XXXX, and I understand that I owe a debt. Im trying to pay said debt, and this collection manager is just very unprofessional. There are many complaints about him through searches I have found. I want to pay the debt, but he went from saying I can not make payments to yes, I can, but it has to be 3 payments of {$4000.00}. I'm so frustrated, and he will not provide me with a reason why hes denying it.
Consumer complaint received 2024-09-23
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)

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX XXXX XXXX  XXXX, # XXXX 15 U.S.C 1681 sectio

n 602 A. States I have the right to privacy. 15 U.S.C.1681 section 604 A S
ECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-10-16
Product: Credit 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: SYNCHRONY FINANCIAL (MD)

I went through a company called XXXX to plan a pool event on XX/XX/XXXX, I cancelled the request the next day XX/XX/XXXX in the amount of XXXX. I made the purchase on my XXXX XXXX Master card for the amount mentioned. XXXX XXXX is refusing to refund my money, XXXX cancelled the request, but they are giving me a credit. My reason for cancelling was due to the company adding other fees after me making my request. I have filed XXXX disputes with XXXX XXXX. I feel that I am being forced to do business with XXXX. XXXX has not rendered me any service, nor did this cost them to lose out on any money. I place the order XXXX months in advanced. Which was no cost to swimply. I do not want a credit. I would like for my money to be refunded. 

If you should need any other information, please feel to reach out to me. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-24
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)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 states : There is a need to ensure the consumer reporting agencies exercise their grave responsibilities with fairness. impartiality, and " respect for the consumers rights to privacy '' Experian and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801which states " It is the policy of the Congress that each financial institution has a confirming obligation to respect the privacy of its consumers and to protect the security and confidentiality of this customers nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 ( a ) section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to who it relates " ( Furnisher of information to credit agencies ) the financial institution and the consumer reporting agencies XXXX, Experian and XXXX do not have my consent to furnish this information and the surely do not have my written consent. Any and all who consent to XXXX, Experian and XXXX ( Furnisher of information to credit agencies ) whether it be verbal, nonverbal, written, implied or otherwise is revoked.15 USC 6802 ( b ) ( c ) states that " Financial institution may not disclose no public personal information to a nonaffiliated third party unless-the consumer is given an explanation of how the consumer can exercise that non-disclosure option. ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15USC 1681C ( a ) ( 5 ) states '' except as authorized under subsection ( b ), but no consumer reporting agency may also take any consumer report containing any of the following items of information, other than records. of convictions of crimes which antedates the report by more than seven years. " This account is an adverse item they are reporting again without my permission which is against the law, 15 U.S, Code 1681s-2 ( A ) ( 1 ) A states '' A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. " I am opting out of your reporting services
Consumer complaint received 2024-10-15
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. (VI)

Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Under 15 U.S. Code 1692g ( Validation of debts ), 15 U.S. Code 1681s2 ( Responsibilities of furnishers of information to consumer reporting agencies ), and 15 U.S.C. 1681e ( Compliance procedures ), all information reported on my credit report must be accurate, complete, and verifiable. Additionally, under 15 U.S.C. 1666b - Timing of payments, creditors must follow specific timing rules for payments to avoid wrongful reporting of late payments.

Moreover, according to 15 U.S.C. 1692d ( Harassment or abuse ), as implemented by Section 1006.14 ( a ) of the FDCPA, a debt collector is prohibited from engaging in conduct that harasses, oppresses, or abuses any person in connection with the collection of a debt. I have experienced harassment from this creditor, including frequent and aggressive phone calls as well as threatening letters sent to my home.

The specific inaccuracies I have identified include : 1. Account Number Discrepancy : The account number provided is inaccurately reported compared to other sources.

2. Account Status : The account status is inconsistent across different records.

3. Date Opened : The " Date Opened '' information does not align with the records provided.

4. Payment History : The payment history reported is inaccurate, and I am also facing harassment from the debt collector, including frequent phone calls and threatening letters sent to my home. 
Given these inaccuracies and the harassment experienced, I am requesting a thorough investigation into this matter and demand that all erroneous information, including the harassment, be addressed and corrected or removed. I expect written confirmation of the resolution within 30-45 days of receiving this letter. 
Please be aware that if my request is not addressed within the stipulated time frame, I am prepared to take legal action to seek damages. As per the FCRA, I am entitled to claim {$1000.00} in damages for each inaccuracy on my credit report. Additionally, I may seek legal remedies for the harassment experienced under FDCPA regulations XXXX
Consumer complaint received 2024-10-15
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)

There is a collection account named " Conserve '' on my credit report. This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide a purchase agreement to show my ownership of such account. I have never sign or enter into a purchase agreement with them. I request the account be removed from my credit.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-10
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. (MI)

Bankruptcy is a legal process designed to help individuals or businesses manage insurmountable debt, and while it has significant financial implications, it is not intended to remain on a credit report indefinitely. Under the Fair Credit Reporting Act ( FCRA ), negative information such as a bankruptcy filing is subject to time limits, typically 7 to 10 years depending on the type of bankruptcy. The purpose of these time limits is to ensure that individuals who have gone through bankruptcy can eventually rebuild their credit without being permanently penalized for past financial difficulties. If a bankruptcy remains on a credit report beyond this allowed period, it is a violation of the law, and individuals have the right to dispute and request its removal.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

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 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OR)

My account with 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 60 days 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