davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (FL)

IN THE MATTER OF XXXX XXXX XXXX NOTICE AFFIDAVIT OF FACT : NATIONALITY STATUS AND IDENTITY THEFT For the record, I am XXXX XXXX XXXX XXXX, a natural person, in full life, in propria persona, XXXX XXXX. My nationality/ citizenship is XXXXXXXX XXXX, being an aboriginal and XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, and a foreign national inhabitant near corporate XXXX XXXX, Florida republic. I come now making, a special appearance as an authorized representative, ex-rel.of the artificial corporate person nom de guerre XXXX XXXX XXXX XXXX XXXX 
NOTICE OF FACTS I am a XXXX XXXX  XXXX, domiciled at XXXX XXXX XXXX XXXX XXXX XXXX Florida republic [ no zip code ] My date of birth is XXXX. The Social Security Number ( XXXX XXXX ) has been made public without my consent, constituting a severe breach of my privacy and potential identity theft. I have filed a report with the Federal Trade Commission ( FTC ) regarding this identity theft. The FTC Report number is [ FTC REPORT NUMBER ]. On XX/XX/year>, I sent a letter to XXXX XXXX XXXX XXXX acting as Chief Executive Officer ( CEO ) of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, requesting the blocking and removal of fraudulent information from my consumer report. I have explicitly requested the removal of the following fraudulent account from my credit report :
Consumer complaint received 2023-09-06
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. (GA)

This is my 11th 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 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 2023-09-06
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)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX  {$16000.00} ; XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX XXXX XXXX  {$0.00} ; XXXX XXXX XXXX  : {$8400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED.JXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (FL)

My fianc and I closed our smallbusiness at the end of XXXX. So in the last week of XXXX ( XXXX ), I went to my neighborhood Chase branch and asked for them to close all my accounts affiliated with my business. This included my business checking account and credit card. The manager of the branch kindly helped me and confirmed that all accounts were closed after calling corporate to close them. From then on, I did not receive any professional notifications about my accounts until in XX/XX/XXXX I checked my credit score and saw it dropped over XXXX points. I called chase worried about fraud only to find out my credit card was reopened because companies like XXXX and XXXX accidentally renewed our contract. Due to that my bill went two months unpaid and the credit card went delinquent. Chase was able to refund all late fees and dispute the charges ( which we won ), but unfortunately my credit score would not be able to be fixed. I asked the branch to give me a letter saying it was a banking error and they kept leading me on and directing to different people, branches and corporate departments. The only message I ever received from Chase involving my business account was a text message that said your business credit card needs action. It did not mention Chase nor did it come from their text message line so I ignored it thinking it was spam ( especially since were warned of targeted messages like this and I was under the impression my account was closed ). I would like to get their attention to please fix my credit. I took the necessary immediate actions to resolve this including reaching out to credit bureaus like XXXX. Chase has not been helpful to revert the score and this is not the first story Ive heard like this.
Consumer complaint received 2023-09-06
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Universal Account Servicing, LLC (MD)

Payment for the outstanding balance ( {$3300.00} ) on the loan was mailed on XX/XX/XXXX, via check ( # XXXX ). This was expected to arrive no later than XX/XX/XXXX according to the USPS XXXX expectation for first class mail delivery. 

For some unknown reason, XXXX Account Servicing did not deposit this check until XX/XX/XXXX. This was 9 days after it was mailed. I was then charged {$1300.00} because the payment was processed after the promotional date of XX/XX/XXXX. The circumstances which led to this delay is highly unusual. This could have resulted from a number of issues totally outside of my control but under yours, such as delays in processing mail at your office location or a deliberate delay. 

I called your office on XX/XX/XXXX and spoke with a supervisor. His focus was on what evidence I had that it was received before the deadline. Do I have a signed receipt showing someone in your company received it? I do have circumstantial evidence check # XXXX was written on the XXXX along with check # XXXX which was dated XX/XX/XXXX. I dated # XXXX XX/XX/XXXX because I needed to add money to the account which I did XX/XX/XXXX. However, I mailed it Sunday XX/XX/XXXX to arrive on time. 

Evidence is not one sided - My question to you is what evidence do you have that it was mailed late? The envelope you received had a postmark. That is the evidence you would need to prove it was mailed late. 

Even if there was an unusual delay in your local postal system it is customary to waive fees and not play what evidence do you have game because it points to unethical business practices. 

I am including the Consumer Financial Protection Bureau. Please provide the evidence ( postmarked envelope ) that the check was mailed out late to justify your charges. If you can not provide it then you have no evidence, and it points to a deliberate delay in processing with a self-serving interest. Please remove this debt from my account and close it.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

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

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

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2023-08-30
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)

COMPANY XXXX XXXX IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 6802 BY CONTINUING TO REPORT NON PUBLIC INFORMATION. ON XX/XX/XXXX, IN WRITING, I OPTED-OUT OF REPORTING FROM XXXX XXXX XXXX AND SAID COMPANY IS STILL NOT RESPECTING MY CONSUMER RIGHT EVEN AFTER OPT-OUT NOTICE. 

XXXX XXXX IS VIOLATING MY RIGHT TO PRIVACY PURSUANT TO THE FOLLOWING : -PRIVACY ACT OF 1974 GUARANTEES PROTECTION OF MY PERSONAL INFORMATION -CODE OF FEDERAL REGULATION TITLE 16 CHAPTER 1 SUBCHAPTER C PART 313 GRANT ME THE RIGHT TO OPT OUT.

-TITLE 15 UNITED STATES CODE 6802 PRESCRIBES CONSUMER PROTECTION FROM AFFILATE AND NON AFFILIATES OF XXXX XXXX. 
.
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. (AR)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AR, XXXX XXXX XXXX XX/XX/XXXX Charge-off Dispute for Account XXXX I am writing to formally dispute the charge-off status of my account, XXXXXXXX XXXX XXXX which is currently listed on my credit report. I believe this entry is inaccurate and would like to request a thorough investigation into this matter. Details of the Account : - Account Holder Name : XXXX - Account NumberXXXX - Creditor Name : XXXX XXXX XXXX  Date of Charge-off : XX/XX/XXXX- I request that you verify the accuracy of this charge-off with the creditor. If you find that the information is inaccurate, I ask that you correct or remove this entry from my credit report as required under the Fair Credit Reporting Act. I appreciate your prompt attention to this matter and look forward to your response within the 30-day investigation period as stipulated by the Fair Credit Reporting Act. Thank you for your assistance. Sincerely,
Consumer complaint received 2023-09-06
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: EQUIFAX, INC. (CA)

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 XXXX XXXX  's customer service representative.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, 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
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. (MD)

I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Experian 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MD)

For the past several years my credit score has been averaging at XXXX. Recently, I was informed that my credit score has been reduced to XXXX and that this action can affect my ability to acquire loans. 

For the past several years I've been debt-free and paying my utilities and credit card bills on time. I'm left with the understanding that an XXXX credit score is a scheme used to keep consumers in debt while burdened with high interest rates. 

I've worked hard to acquire an XXXX credit score only to be XXXX by credit reporting agencies and their banking buddies. If I don't pay large interest payments on credit cards, one of my banks [ XXXX ] will ensure that I receive a credit score penalty. 

On the other hand, if I fail to pay my debts to [ XXXX ], I will receive a credit score penalty, damaging my ability to acquire credit. 

Nothing in life is free. The elusive XXXX credit score is a money-making scheme. The pay to play relationship between banks and crafty credit reporting agency XXXX  must stop. 

I would ask that credit reporting agencies be desolved and that honest brokers like CFPB replace XXXX, Experian, and XXXX.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NJ)

Kindly dispute the XXXX that appears on my credit report, I'm writing. I have a court letter stating to the fact that this XXXX should not to be published. This situation gets worse by the involvement of an unauthorized third party.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (AL)

Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error, and I just would like for it to be corrected.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

I have sent multiple letters to XXXX for the last year. I have made numerous amounts of phone calls to them about updating my credit report. Removing inaccuracies and accounts that violate FCRA laws and 15 U.S. Code 1681c2 - Block of information resulting from identity theft. They have no removed any debt at all or none of the personal information I requested to be removed. 

Also, for them to update my credit report accurately, they want me to get a membership with them to update my credit report and allow me to see an accurate report with them. This is a scam set up to steal money from the consumer. And not allowing me to see an accurate credit report or update my credit report so I can pursue buying a home or getting a car loan. I am asking to resolve this issue with them multiple times before proceeding to federal court.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

XX/XX/XXXX, XXXX date I requested my reports from each bureau. 

I requested my credit report from XXXX, XXXX, and Transunion and I noticed that there were several misspellings of my name, non-mailable addresses, non-working phone numbers, and variations of my employer and position, as well as hire date. I called each bureau on XX/XX/2023 and asked for this information to be removed. None of the mentioned bureaus have removed any of the incorrect information as of XX/XX/2023. 
I have been denied credit due to the lender not being able to identify me due to the incorrect information in my credit file.
Consumer complaint received 2023-08-30
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 DO NOT RECOGNIZE ANY OF THESE HARD INQUIRIES OR ACCOUNTS : HARD INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX {$460.00} XXXX XXXX XXXXXXXX {$280.00} XXXX XXXX XXXX {$640.00}
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to file a formal complaint against the 3 Credit Bureaus , a credit reporting agency that has reported new collection accounts, late closures, charge-offs, repossession and inaccurate personal information entries on my credit report. I believe the account 's information is inaccurate or unfair, such as incorrect account statuses, wrong dates, or any other discrepancies. I had attached copies of supporting documents that support my claim that the reported account information is inaccurate or unfair. These documents may include payment records, correspondence with the creditors, repossession records, and any other relevant evidence. I have previously disputed these inaccuracies with the credit reporting agency or the creditors. I believe that the inaccuracies and unfair account 's information on my credit report are causing significant harm to my creditworthiness and financial well-being. I kindly request that the CFPB investigates this matter and takes the necessary steps to ensure the accuracy and fairness of my credit report. The following fraudulent accounts and inaccurate personal information in question and needs to be removed are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX {$6800.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX {$830.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX XXXX {$6800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX XXXX {$830.00} XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023.