davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I noticed my consumer credit file was incorrect and incomplete, related to the XXXX XXXX account. XXXX  XXXX is in violation of the FCRA in regards to the information furnished to the consumer reporting agencies, whom are non affiliated third party companies. XXXX XXXX has incorrectly reported my credit card account as a flexible spending account, which it is not. XXXX XXXX also reported my account as being late in XX/XX/2022, there was never an investigation done by the CRA 's prior to reporting this incorrect information because pursuant to 15 USC 1666b- no creditor shall treat an account as late. 

I have tried to rectify this issue with XXXX XXXX and the CRAs as this is causing me major financial damage and has caused me to not be approved for an apartment. In disclosing this information my right to privacy was violated. XXXX XXXX 's terms and conditions clearly state that they will not sell my information to a third party, and they did just that in selling my personal financial information to the credit reporting agencies. 

In addition, I have looked over everything that was given to me upon opening this credit account, and the Gramm Leach Bliley Act Disclosure was never given to me, violation of federal law.
Consumer complaint received 2023-05-06
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. (PA)

I noticed my consumer credit file was incorrect and incomplete, related to the XXXX XXXX accountXXXX XXXX XXXXXXXX is in violation of the FCRA in regards to the information furnished to the consumer reporting agencies, whom are non affiliated third party companies. XXXX XXXX has incorrectly reported my credit card account as a flexible spending account, which it is not. XXXX XXXX also reported my account as being late in XX/XX/2022, there was never an investigation done by the CRA 's prior to reporting this incorrect information because pursuant to 15 USC 1666b- no creditor shall treat an account as late. 

I have tried to rectify this issue with XXXX XXXX and the CRAs as this is causing me major financial damage and has caused me to not be approved for an apartment. In disclosing this information my right to privacy was violated. XXXX XXXX 's terms and conditions clearly state that they will not sell my information to a third party, and they did just that in selling my personal financial information to the credit reporting agencies. 

In addition, I have looked over everything that was given to me upon opening this credit account, and the Gramm Leach Bliley Act Disclosure was never given to me, violation of federal law.
Consumer complaint received 2021-11-10
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: Carvana Group, LLC (GA)

I leased a vehicle from Carvana in XXXX, I was making my payments fine. It came time for me to get my hard tag and I was told that it was a delay. They provided me with a temp tag that was registered in the state of Arizona. I got pulled over by XXXX County Sheriff, they accused me of stealing the car and presenting false documentation. They ended up giving me a ticket for no tag and told me not to ever present that tag again. I then reached out to the XXXX XXXX who informed me that Carvana never finished the paperwork to even begin the registration process. Come to find out they put the wrong state sales tax on the paperwork according to them. I informed them then that until they make this right, I would not make another payment to them. The temp tag they provided me with expired XX/XX/XXXX I was then told by Carvana that they were not going to do anything about the tag until I paid, but even once I do that, it would be 1-3 months before they may be able to still get the car registered and they would end up taking the car back and swapping it, or taking the car back and giving me my money back. I then told them why not come pick up the car now and give me my money back now because code enforcement came around and was going to cite me for that vehicle being in my yard with no tag. They sent me a another temp tag Tuesday registered in Arizona again, but then came and towed the car last night. Please help me, or point me in the direction of someone who possibly can.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

My account with EXPERIAN 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 ( XXXX XXXX XXXX ) 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 XXXX  days before the payment due date. 


EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 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 2021-11-09
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. (GA)

To Whom It May Concern : I have recently been informed again that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. I challenge the accuracy, compliance and reportability of this listing on my credit reports. 

XXXX XXXX XXXX {$850.00} XXXX XXXX XXXX {$82.00} XXXX XXXX XXXX  {$120.00} There are no contracts, no valid claims ... account was settled with creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Consumer complaint received 2023-05-06
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: Experian Information Solutions Inc. (AL)

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 XXXXXXXX XXXX XXXX  XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$920.00} ; XXXX XXXX Balance : {$12000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$77.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$2200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

This CFPB complaint is filed pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) to request that you, Experian, block information appearing on my credit report that is the result of XXXX XXXX  and fraud. 
Details of Fraudulent Activity : The fraudulent information includes : A personal credit card account opened at XXXX on XXXX XXXX, 2021 under account number XXXX. 

I have attached a copy of my credit report maintained by you which shows the aforementioned fraudulent items. 
XXXX XXXX  Verification : I have filed an XXXX XXXX  Report with the Federal Trade Commission ( FTC ) with Case Number XXXX. A copy of the report is attached as proof of identity theft. 
Demand for Relief : I request that you, [ Name of XXXX XXXX XXXX ], block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving this complaint, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ). 
Contact Information : Please send all written confirmation regarding this CFPB complaint to my email address : XXXX XXXX
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Reported late payments XX/XX/XXXX and XX/XX/XXXX when this was on autopay as part of payment arrangement. Payment could not have been late All other payments from XX/XX/XXXX through XX/XX/XXXX were fine. It does not make sense
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. (CA)

BACK ON XX/XX/XXXX I a Requested that there were Fraudulent negative items appearing on my EXPERIAN CONSUMER credit report in addition to filing a CFPB complaint I ATTACHED an affidavit from the FTC concerning these accounts. Instead of honoring the FCRA UNITED STATES CODE FCRA 605B ( 15 U.S.C 1681 c-2 ) Experian Took into their own process of verifying accounts listed under the FTC affidavit and determined these said accounts were Validated and instead of removing these accounts they corrected false information that was previously reported on the EXPERIAN investigation they did not fully investigate all the accounts located on the FTC affidavit only one fraudulently reported account investigated and unlawfully deemed VERIFIED and EXPERIAN returned false information that the other two accounts located on the FTC affidavit were not on my credit report which they are currently reporting these accounts
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Capital Accounts, LLC (NY)

This account was written off. As Stated on the report. And sold to a 3rd party company. 
It is against the law to sell or share info. 
This debt was excused as a collection, then Put back on the report as. Charge off. 
According to the law on credit this information Should be wiped off all id the major credit Bureau. If not I will start sueing for every Violation.
Consumer complaint received 2021-11-10
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: JPMORGAN CHASE & CO. (WA)

Did a timeshare tour in XXXX in XX/XX/2021, declined the timeshare, they wouldnt allow us to leave until we spoke to an exit agent who then sold us a travel club promised hugely discounted travel around the world in 2 bed accommodation for $ XXXX- {$490.00} per week. During the sale they did not show us the product just promised lots of things. Paid via Chase Visa card, was nervous but knew I have credit card protection if it was a scam. The company XXXX  XXXX violated my legal rights to cancel by not furnishing me with the log in details to the travel club until way past the time period. Received log in after a month. Once received, it was clear that the whole travel club is a scam and a fake front for discounted travel. Disputed the charge with the bank 3 times, provided solid evidence that it was a scam /breach of contract - goods not delivered as per contract /substandard. Bank rules in the favor of the merchant just by the merchant merely submitting a copy of the contract. The bank did not protect its consumer from a scam and not did the merchant provide evidence that they fulfilled the contract. The merchant did not deliver what was in the contract and paid for. Request full credit for {$4800.00} ( {$4300.00} & {$590.00} ) also some action needs to be taken so this come can not be scamming consumers, maybe their credit card status should be frozen. Their current XXXX XXXX XXXX rating is an F.
Consumer complaint received 2024-08-21
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. (AK)

I am lodging this complaint against the credit bureaus due to their continuous failure to address my dispute letters regarding inaccuracies in my credit report. Even after several attempts to resolve the matter through the correct channels, the credit bureaus have not fulfilled their obligation to acknowledge or investigate my disputes as mandated by the Fair Credit Reporting Act ( FCRA ). 

Despite these numerous submissions, the credit bureaus have not responded, confirmed an investigation, or corrected the disputed information. This non-response is a clear breach of the FCRA, which requires credit bureaus to investigate disputes and reply within 30 days. 

.
Consumer complaint received 2021-11-10
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. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX Inquiry Date XX/XX/2021
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)

My account with XXXX XXXX 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 those account 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. 

XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


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

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-07-26
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. (LA)

I have looked over my credit report and notices some errors. I sent a letter to Experian, XXXX and XXXX and have not hear anything back and it is beyond 30 days. I also noticed on my XXXX report I have a duplicate collection. I have sent in several letters to investigate and I have not been getting a response. please look into this matter as it is crucial to me as I am buying a home. I have attached some letters I have sent XX/XX/year> I also sent direct letters to creditors.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of identity theft, and unauthorized credit inquiries have been made on my credit report without my permission. Specifically, the following inquiries were made without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries were not authorized by me, and I did not apply for credit with any of these companies. I am concerned that my personal information has been compromised and is being used fraudulently. 


These unauthorized inquiries have negatively impacted my XXXX XXXX and have caused me significant stress and concern. I am worried about the potential financial harm that could result from this identity theft. 

I am requesting that these unauthorized inquiries be removed from my credit report immediately. I also ask that these companies take steps to ensure that no further unauthorized actions are taken using my personal information. 

Please acknowledge receipt of this complaint and provide me with an update on the actions taken to resolve this issue.
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. (GA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. (PA)

Hey there my name is XXXX XXXX XXXX I noticed these inaccuracies on my credit report. All must be remove right away. I am a victim of identity theft and these inaccuracies arent mine. Please remove! Ive provided copies of my FTC report. Thanks.
Consumer complaint received 2017-10-03
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. (IL)

XXXX XXXX XXXX is currently reporting an account that I am not responsible for to Transunion that needs to be removed.