davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-07
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. (GA)

I AM A VETERAN AND XXXX XXXX XXXX. I DO NOT HAVE A DRIVERS LICENSE, THEREFORE I HAVE NOT APPLIED OR HAD ANY AUTO LOAN IN MY NAME. I HAVE COSIGNED FOR FAMILY MEMBERS BUT HAVE NOT HAD ANY ACCOUNT WITH XXXX XXXX. I RECENTLY DISPUTED WITH EXPERIAN EXPLAINING THE FRAUD AND PROVIDING PROOF OF IDENTITY AND RESIDENCE. 
I HAVE BEEN INFORMED BY CONGRESS THAT THEY passed the Fair and Accurate Credit Transactions Act of XXXX ( FACTA ) to add identity theft protection. I have the right to include a fraud alert on my credit report if I have a good-faith suspicion that I am the victim of identity theft. The fraud alert is suppose to notify users of victim of Identity Theft. Fraud alerts are suppose to be free. I also have the right to have a CRA block information related to identity theft from being on my credit report. For example, if an identity thief has used my information to open an account and never paid the bill, I can have this blocked from my credit report. Though I must meet some conditions. If the conditions are met, the CRA has XXXX business days to block this information from being viewed by potential users of your credit report. I have supplied appropriate proof of your identity to the CRA. I have supplied the identity theft report from a federal, state, or local law enforcement agency. I have identified the faulty information on the credit report. I provided a statement to the CRA explaining that you werent connected with the transaction ( XXXX ) involving the identity theft. EXPERIAN has failed to follow these regulations set by the Federal government. 

THIS GOES FOR EXPERIAN, XXXX AND XXXX.
Consumer complaint received 2023-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Good Afternoon! I XXXX XXXX I am trying to dispute these closed account on my credit report because I sent them a letter regarding my dispute XXXX and XXXX. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protect consumer rights to privacy and confidentiality under XXXX XXXX XXXX contacted the collection agency during XXXX and XXXX for all these closed accounts 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 Account # XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to be removed off my credit report.

15 U.S.C 1681 section 602 A. States I have 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.

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 of has a reasonable cause to believe that the information is inaccurate.

They sent me this letter stated that this has been verified.Therefore I would like these account to be removed off my XXXX, Equifax and XXXX account. This company is violating my consumer right to privacy pursuant to 15 U.S.C 1681b 2. Company has also No permission to report anything using my info pursuant to 15 USC 1681 4.
Consumer complaint received 2016-03-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: ESCALLATE, LLC (NY)

Called repeated all day long from XXXX-XXXX, the phone rang at least 10x a day. This has gone on for months and months. I called to payoff the medical debt, however, they collected it, but my phone still rings via robocall. I have excellent credit, but the calls started after one month of a doctor 's office visit. 

Escallate LLC Professional Services Address : XXXX XXXX XXXX # XXXX, XXXX XXXX, OH XXXX Phone : ( XXXX ) XXXX
Consumer complaint received 2023-08-06
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CA)

I ordered a couch and ottoman from Wayfair in XX/XX/2021. I got a Wayfair credit card only because of their 0 % interest promotion ( which they're still advertising https : /XXXX ). I set my account on autopay, which has been in place since the beginning. When I logged in to pay off the balance before the XXXX year XXXX interest period ended, I realized they never applied the 0 % interest promotion to my account at all. They had been charging me over 30 % interest the whole time. I called to have them fix their error and they said because I didn't alert them within 60 days, there's nothing they can do. 

First of all, it's THEIR error, not mine. Therefore, their responsibility to catch, not mine. In fact, I don't believe it was an error at all. I think they do this as common practice to everyone who gets a credit card from them and unless the customer catches the interest charge, they do not apply the promotion.
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

My credit report is showing late payments to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditors customer service representative.
Consumer complaint received 2023-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Greetings, I have a payment scheduled for XX/XX/2023 of XXXX. On XX/XX/2023 I get an email from Capitol one stating I have not made a payment even though I have it scheduled to come on out XX/XX/2023. This led me to make another payment so I would not get a late fee. 

I think in this day and age that a credit card company can track when future payments are being made and not send out erroneous emails saying I have not made my payment.
Consumer complaint received 2023-08-11
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: EQUIFAX, INC. (MO)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, 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)

TransUnion LLC is guilty of multiple violations of the Fair Credit Reporting Act ( FCRA ) regarding my XXXX XXXX XXXX and XXXX ( XXXX ) XXXX XXXX XXXX accounts. 

In detail, TransUnion has : Included my entire transaction history with XXXX XXXX XXXX  and XXXX ( XXXX ) XXXX XXXX XXXX on my credit report dated, such as account numbers, payment dates, loan amounts, balances, etc. This violates 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) which prohibits including transaction details that are solely between me as the consumer and XXXX XXXX XXXX  and XXXX ( XXXX ) XXXX XXXX XXXX as the furnishers. 
Furnished my consumer report to parties I have not authorized. The FCRA under 15 U.S.C. 1681b ( 2 ) states TransUnion can only provide my report with my written instructions. I did not provide such instructions.

Failed to keep my personal financial information secure and private per 5 U.S.C. 552a. The presence of my transaction history shows lax protocols regarding consumer data protection.

Acted willfully and is therefore liable under 15 U.S.C. 1681n ( a ). The magnitude of transaction data included demonstrates knowing disregard for 1681a ( 2 ) ( A ) ( i ) 's exclusion.

Acted negligently and is therefore liable under 15 U.S.C. 1681o. If TransUnion claims it did not knowingly violate the FCRA, then it negligently failed to understand its obligations under 1681a, 1681b, and 552a.

In summary, TransUnion has clearly violated its duties under multiple federal laws and will be held accountable through civil liability. I ask that the CFPB investigate TransUnion and take appropriate enforcement action to stop these violations. I will also file a complaint with the FTC to notify Transunion of their illegal activities and violations of Federal law. I also request compensation for damages caused by TransUnion illegally accessing and furnishing my private data without consent.
Consumer complaint received 2023-02-18
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Williams, Alexander & Associates, Inc (DE)

After failing to provide written notification of an attempt to collect on incorrectly billed medical debt, the company began harassing me on a daily basis and is continuing to demand payment on a bill they agree was misfiled. I submitted a dispute letter in writing to which they acknowledged receipet and continue to threaten me with legal action suggesting that simply paying this misfiled debt will make everything go away and be easier in the end.
Consumer complaint received 2023-07-27
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NJ)

Received XXXX Credit card statement with bill close date XX/XX/XXXX. With return and payment all amount due on that bill was paid before due date of XX/XX/XXXX. New bill came in with closing date of XX/XX/XXXX which included a purchase on XX/XX/XXXX ( after the XX/XX/XXXX closing date ), Was charged a XXXX late fee for the purchase that was made after the XX/XX/XXXX closing date of the previous bill. Called and complained and they said would do me a one time favor of deleting the late fee. Called a second time and they still believe it was correct and would not understand how it could be late if you only billed me on the XX/XX/XXXX bill and the previous bill was paid in full. 
In all my years experience with store, bank credit cards this is never done and I believe XXXX Department store is doing something that is illegal.
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My credit report is showing late payments to XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXXXXXX XXXX customer service representative.
Consumer complaint received 2023-08-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is XXXX of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX ( Original Creditor XXXX ) XXXX. Please delete this account ASAP.
Consumer complaint received 2023-08-07
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. (LA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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/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/XXXX.
Consumer complaint received 2023-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately. Thank you. 
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 2023-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Subject : Request for Removal of Late Payment from Consumer Report Dear Sir/Madam, I hope this letter finds you well. I am writing to bring to your attention a matter concerning a late payment on account number XXXX from XXXX XXXX XXXXXXXX that is currently appearing on my consumer credit report. Based on my understanding of the law, as stated in 15 U.S. Code 1681a - Definitions ; rules of construction, I believe that this late payment should be removed from my credit report.

According to the aforementioned section of the U.S. Code, the term " consumer report '' does not include a report that contains information solely as to transactions or experiences between the consumer and the person making the report, except as provided in paragraph ( 3 ) and subject to section 1681s3 of the same title. As such, I contend that the inclusion of this late payment on my consumer report violates the exclusion outlined in the law.

I kindly request that you review my account and remove the late payment from my credit report in accordance with the aforementioned legal provision. As the late payment falls within the category of a transaction or experience between myself and XXXX XXXX  XXXX, I believe it should not be considered part of my consumer report. 
I understand that accurate reporting of credit information is vital for maintaining the integrity of credit reports and ensuring fair assessments of consumers ' creditworthiness. I trust that Transunion, as a responsible and reputable financial institution, shares these principles and will take appropriate action to address this matter. 
I kindly request that you provide written confirmation of the removal of the late payment from my consumer report within [ 30 days ] of receiving this letter. Additionally, I would appreciate your assistance in ensuring that any necessary updates are made to the credit reporting agencies to reflect this change accurately. I am documenting this notice as evidence that I brought this to your companies attention just incase I have to sue in court for violations that is being committed.
Consumer complaint received 2023-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

Experian continues to report inaccurate information. My name is XXXX XXXX. My address is not XXXX XXXX XXXX XXXX XXXX, MI XXXX. I have asked Experian to stop reporting this information. 

Under the Privacy Act I am entitled to privacy. 

I am now opting out of any information reporting except XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX.
Consumer complaint received 2024-07-18
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. (NJ)

Recently I checked my credit report and I noticed that I have been a victim of identity theft I have no knowledge of these accounts XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/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 XXXXXX/XX/XXXX
Consumer complaint received 2023-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Dear XXXX, We want to know how the Bank of America allowed the XXXX XXXX XXXX XXXX to transact XXXX XXXX XXXX, XXXX XXXX Michigan in XX/XX/2017 given that the Bank of America had first lien position on the property. 

According to the XXXX XXXX XXXX of Deeds, the XXXX  XXXX XXXX XXXX still has not released its lien position which contradicts the title work that I and my wife XXXX XXXX XXXX XXXX were given at closing on XX/XX/2017. 

We had tried to address this issue with both banks but nobody has replied and details are outlined in the attached letter. 

Thank you, XXXX XXXX, XXXX XXXX
Consumer complaint received 2023-08-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused XXXX injury and defamation of character along with XXXX plus days of no response.
Consumer complaint received 2023-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX Balance : {$470.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$530.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX