davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

My account with ( DEPTEDXXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 ( MONTHS REPORTING LATE ) 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. 


( DEPTEDXXXX  ) 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 2021-04-05
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (WI)

On XX/XX/XXXX, I booked a trip with The XXXX XXXX. I paid XXXX. I paid the remainder of the balance on XX/XX/XXXX, XXXX. 

Due to the global pandemic, my travel which was scheduled for XX/XX/XXXX, was obviously postponed. when the company contacted me, they issued me a refund credit note which was set to expire on XX/XX/XXXX. I instead asked for a full refund, which they told me there were unable to issue. 

On XX/XX/XXXX the XXXX based company alerted me that they were going bankrupt ( insolvency ) and suggested I file a dispute with my credit card company. 

According to the Fair Credit Billing Act it is me legal right to claim a refund when the service I paid for is not received due to a company 's bankruptcy. 

Since XX/XX/XXXX, I have been attempting to get my money refunded from Capital One. They have continued to deny my attempts, at times, stating they needed information that I had previously submitted. At other times siting the length of time since the charge was disputed ( despite contributing to delays now adding 5 months of delayed time ). Most recently them are sighting the time. However, the time limit for my claim should start from the date I was expecting to receive the service, not from the purchase date, which in this case with be XX/XX/XXXX. 

It is worth noting that I have spend over 6 hours on the phone with capitalone, as well as hours compiling the requested information. 

I spoke with XXXX at capitalone on XX/XX/XXXX, she assured me I would receive a refund. On XX/XX/XXXX, I spoke with XXXX on XXXX who told me there was issues with the timeline, the refund notice, etc.
Consumer complaint received 2024-09-10
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. (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-08-30
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)

Recently I look at my credit report and noticed several on my account. this account is hurting my ability to obtain credit Its my understanding that Transunion and XXXX will investigate this account for me to ensure accuracy here is the account. I am asking you to verify as accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-26
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. (TX)

I am writing to formally report and request the removal of fraudulent items from my credit report, which are inaccurately reflecting my credit history due to identity theft. I have thoroughly reviewed my credit report from your agency and have identified instances of fraudulent reporting that I believe require immediate attention and rectification. I have taken immediate steps to address this situation, including filing a police report and notifying the relevant authorities.I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. I kindly request the removal of the fraudulent items associated with the mentioned items, as it is negatively affecting my credit history and financial well- being. Kindly help me remove the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-26
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)

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. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-26
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. (NM)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-07-26
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. (FL)

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.

and list of Inquiries.

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 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2020-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

MY XXXX XXXX  CREDIT CARD stated to me that they report to the credit bureau daily yet the CREDIT bureaus have no consistency in how they report balances it seems as if they report whenever they choose ... ..my balance with XXXX  in XXXX was XXXX but the bureaus reported it at least 3 times throughout the month ... reported XXXX dropped my score 50 plus pnts and then reported it at XXXX and it dropped more because it reported the usage as high ... ..MY BALANCE IS ONLY XXXX!!! and I want this corrected immediately and my account re-scored immediately!! 


XXXX XXXX CREDIT CARD ACCOUNT # XXXX $ XXXX they also continue to report inquiries that I have no knowledge of : XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX  XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020
Consumer complaint received 2021-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EVERBANK, NATIONAL ASSOCIATION (FL)

Because of XXXX, we entered into a forbearance period with XXXX Bank on XX/XX/XXXX. At the end of the forbearance period, XX/XX/XXXX, we were required to respond to their offer of a mortgage payment trial period. Our response was affirmative and we began to make on time payments, XX/XX/XXXX. On approximately XX/XX/XXXX XXXX reported us as being in arrears to the following credit agencies : XXXX, XXXX, and XXXX, resulting in our credit scores plummeting. After speaking to XXXX, I ascertained that this action is in violation of the CARES Act that governs mortgage negotiations as the result of XXXX, and credit reports are, in the words of the Act, " the furnisher shall ( I ) report the credit obligation or account as current. '' Further, and importantly, we were never informed that during the forbearance period or the mortgage modification period, we would be reported as delinquent. 

Finally, TIAA Bank sold our mortgage to another furnisher and when I call to find a resolution, the bank hangs up on me. I was fortunate to have a number I could call and obtain an email address. The bank is not responding to my emails.
Consumer complaint received 2017-08-21
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. (MS)

In XXXX of 2017, I contacted XXXX XXXX XXXX XXXX XXXX to retrieve furniture from a lease to own program. I was told to wait for a call from a manager to have the furniture picked up and lease ended. This never occurred. I was also told that I could not bring the furniture back to store ; it had to be retrieved by XXXX 's. I continued to call XXXX 's over the course of the next four months to have the furniture retrieved, which did not occur. Eventually, I had to move the furniture in order to keep it from being taken by the apartment in which I lived, as my lease ended. Finally, once I told XXXX 's I had moved this furniture, they came to the new address to retrieve it, and reported me as having a paid charge-off on my credit. I spoke with the customer service folks, and was told that they would not investigate the information. If I was to dispute this through the credit bureau, they told me they would simply send it back because they say it is accurate rather than looking the information up and providing the evidence. I have not disputed this with the credit bureaus at this point as a result of what the XXXX 's representative said about not investigating and simply returning it back to the credit bureau.
Consumer complaint received 2024-11-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-07-26
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. (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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-26
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. (GA)

Account # : XXXXXXXX XXXX XXXX Request for Deletion of Unauthorized Late Payment Account from Consumer Report** Dear Experian Consumer Relations, I am writing to formally dispute an unauthorized account that has been continuously reported on my consumer report by your agency. I have previously requested documentation as required by law, but have not received a satisfactory response. According to the law established by Congress, this account should not be included in my consumer report. 

XXXX XXXX : ** Under **15 U.S.C. 1681a ( 2 ) **, the term consumer report does not include information solely regarding transactions or experiences between the consumer and the person making the report. My transactions or experiences with your company are, by law, excluded from my consumer report. Therefore, I request that this unauthorized account be deleted immediately from my report. 

**Late Payment Reporting : ** I further question the legality of reporting a late payment without proper compliance with **15 U.S. Code 1666b**. This statute stipulates that a payment can not be deemed late unless reasonable procedures ensure that each periodic statement, including the information required by **Section 1637 ( b ) **, is mailed or delivered to the consumer at least 21 days before the payment due date.
Consumer complaint received 2017-08-20
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. (FL)

I disputed an invalid account on my credit report with all 3 bureaus. They claim to have initiated an investigation into the account from XXXX XXXX, whom I have never done business with. I requested proof of account per the FCRA guidelines including any signatures our contracts. None of the bureaus marked the account " disputed '' as required. All 3 bureaus did however remove the account from my report within 60 days, not 30, after XXXX XXXX failed to validate it.
Experian has now allowed XXXX to reattach the account to my report, still with no proper validity. I made a complaint via phone X/XX/17 & was informed that I would have to start the dispute process all over again while this incorrect, damaging account stays on my report. I have contacted XXXX which I am waging a separate complaint about.
Consumer complaint received 2024-10-02
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE (TX)

I applied for a new Barclays XXXX XXXX XXXX XXXX XXXX credit card online on XX/XX/year>. The application ID # assigned by Barclays Bank is XXXX. 

This application was approved by Barclays Lending department over the phone with {$2000.00} credit line assigned to this new card. However, before the new card was released to me, Barclays Security department requested me to submit a number of documents including the copies of my drivers license, social security card, and utilities bill. I have extremely high credit score and outstanding credit history. I never experienced such strange requirement to submit those documents for new credit card applications with any banks in the past. 

I still submitted all the required documents via fax to Barclays Bank on XX/XX/XXXX. Then I called Barclays Security Department and was told that those documents will be reviewed and my application will be fully approved within 48 hours. However, it has been more than 3 days, but my application is still pending. I called Barclays Security Department multiple times, but was told that they have not processed or reviewed my submitted documents yet. 

I am extremely disappointed with Barclays Bank. I request Barclays Bank to review my submitted documents and fully approve my application immediately without any further delay.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Pursuant to 15 USC 1681c-2 please delete the fraudulent inquiries that I have listed. Also, Pursuant to 15 USC 1681e ( b ) you must maintain accurate records at all times within my credit file. Please update my personal information to match accurate records within my personal credit file. Thank you.
Consumer complaint received 2020-06-30
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. (FL)

I submitted all of my information over to Transunion to correct the inaccurate information and they have yet to do so. Ive submitted the documents twice and still nothing. They were sent beginning of XXXX.
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. (SC)

TO WHOM IT MAY CONCERN, I AM A VICTIM OF IDENTITY THEFT THE ACCOUNTS LISTED BELOW ARE NOT ANY COMPANIES THAT I HAVE APPLIED FOR CREDIT FROM. THEY ARE ALL ACCOUNTS OPENED WITHOUT MY KNOWLEDGE OR PERMISSION. THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED IMMEDIATELY. I HAVE FILED THE PROPER DOCUMENTS WITH MY LOCAL LAW ENFORCEMENT AGENCY AS WELL AS THE FTC. I AM PROVIDING YOU COPIES OF THESE ITEMS TO SUPPORT MY CASE. SO WITH ALL THAT I HAVE MENTIONED, AND THE SUPPORTING DOCUMENTS, YOU MUST FOLLOW THE LAW AND REMOVE THESE ITEMS.