davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-03
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)

Experian credit card servicing has violated the Consumer Legal Remedies Act, the False Advertising Law, Business & Professions Code 17500, and the Unfair Competition Law, Business & Professions Code 17200. Payment was made XX/XX/XXXX XXXX but failed to report account as paid but instead marked me late. Additionally, I have the right to privacy according to 15 U.S.C 1681 section 602 A. Moreover, 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. Also, 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. I have tried to dispute this account with Experian over 20 times and they have yet to change the late mark for XX/XX/XXXX on my credit reporting. Remove any late or negative remarks for account. As you can see by the impeccable payment history there is in deed a mistake made by credit servicing team and failed to provide accurate reporting data after 20 times trying to fix the issue.
Consumer complaint received 2023-11-03
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. (NV)

Fraud and identity theft. Police report and FTC report submitted several times XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (GA)

I am complaining about the company Cash App. On or around XX/XX/2023 they unexpectedly closed my account without explanation. The only thing that was mentioned was that " Your account has been found to be in violation of our Terms of Service ( https : //cash.app/legal/us/en-us/tos ) and/or Acceptable Use Policy ( https : //cash.app/legal/us/en-us/acceptable-use-policy ) and has been closed. '' Notice, they send a general list of violations, nothing specific to my account at all. When contacting support for clarification, they reference the same thing. This is in direct violation of my consumer rights as any action taken may be supported by proof and/or a valid explanation. Instead, they ask me what my account is used for, I reply, " Exchanging money between family and friends. '' Which says, that if they had to ask, then that means they are truly unclear on what the violation is if any at all. If we let institutions just shut down our accounts and give blanket statements as to why the shutdown occurred, this gives them unchecked authority to do what they will. This is unacceptable. 

Cash App Handle : XXXX XXXX
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Re : This serves as my official notification to you, or any company ( ies ), concerned that I here now quarrel versus the reportability of your claim ( s ) until it's definite that privilege to report was executed adequately and in a validated and chronicled testimonially compliant manner, even to the mandates in accordance with the CDIA required XXXX described Metro 2 data-filled field formatted reporting standards, of which there can be no deviation for retaining of that aforementioned assumed privilege to report any claim.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In the past year, I experienced identity theft and was notified in a very timely manner by XXXX, with whom I have a credit monitoring contract. I also filed a notice on TransUnion, and checked XXXX. My complaint is that I froze my files on XXXX- why wasn't than extended automatically to the other two credit agencies? It is a burden on taxpayers like me to have to make sure that all three agencies contain the same information, and that my files are locked on all three. Given the increase in credit card fraud, It would be prudent for you to look at consolidating some of the features across the board, and it would benefit the users of credit cards. Thank you!
Consumer complaint received 2023-08-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (CT)

I received a letter dated XX/XX/XXXX from Phoenix Financial XXXX XXXX XXXX, IN seeking to collect {$69.00} from me for services rendered back on XX/XX/XXXX - almost 10 years ago. I had paid my medical bill in full. This issue also past the statute of limitations for medical bills in XXXX Phoenix was told to cease and desist this practice back in XXXX, but continues to try top take advantage of senior citizens. Thank you for your work to combat these deceitful practices!
Consumer complaint received 2023-11-03
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)

I believe the following account on my credit report is reporting inaccurately and is incomplete. I believe history and balance is reported inaccurately/incompletely. I ask that you investigate this account for completeness and accuracy and notify the furnisher that this item of information is being disputed. 

Pursuant to 15 USC a consumer has a right to privacy. 15 USC 1681b Allows you to furnish a consumer report with my written instructions, however it does not grant consumer reporting agencies permissions to include any indication that they were granted that permissions on a consumers consumer report. 15 USC 1681 ( a ) ( d ) ( 2 ) provides that these types of transactions which are between the consumer and the persons making the report are PRIVATE and to be EXCLUDED from a consumer report. including this private information without lawful authority or consent of the consumer constitutes identity theft pursuant to 15 USC 1681. 

If you determine that this dispute is frivolous or irrelevant, please provide me with the notice of determination within 5 business days containing the reason and information required to investigate the disputed information. Otherwise, please delete or modify this misleading information, notify the furnisher, and send me an updated copy of my credit file within 5 business days after the completion of your investigation. 

Upon completion of your investigation, I am also requesting the business name, business address, and telephone number, if available, that was used in connection with this investigation. 

Lastly, please provide a description of the procedure used. If this investigation results in a deletion, please provide notification to all persons who pulled my credit report within the last 6 months.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

I sent a letter requesting the assignment contract and a wet signature for debt validation Certified mail, and after more than 30 days, I was ignored. According to Consumer Law 15. USC 6801-6802, it is illegal to put anything on my consumer report without my permissionXXXX XXXX XXXX  DIDN'T HAVE MY WRITTEN CONSENT TO REPORT ANY NEGATIVE ITEM ON MY REPORTS.THIS IS UNVERIFIABLE DATA. Our personal information isn't supposed to be shared by a third party. by law No financial institution can share my NON PUBLIC information with a third party entity. I am a victim of identity theft, and demand for immediate action that this Collection be removed at once from all three Credit Agencies. According to FCRA Section 605 B, it is illegal to report information on me credit report without my permission. Please remove this inaccurate information from ALL THREE Credit reporting agencies.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

Experian has decided to not update my XXXX XXXX  XXXX  XXXX  account, which has caused me harm. 

I paid off my XXXX XXXX  XXXX  balance of {$390.00} on XX/XX/. XXXX XXXX  informed me they reported a XXXX balance to Experian, XXXX and XXXX on XX/XX/. XXXX and XXXX updated this balance on XX/XX/, however and suspiciously Experian has not as of XX/XX/. 
I am requesting for Experian to confirm they did get the Update XXXX XXXX  provided them on XX/XX/XXXX  and explain to me why that account has not been updated as reported. 
Through my research, it seems Experian stalls the reporting of accounts which show a positive update in order to keep my score lower. This practice benefits the financial industry so they can charge me higher rates. 
I have printed out examples of this practice over the last 12 months.
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXXXXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TrueAccord Corp. (SC)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-09-05
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (GA)

National Credit system is the debt collector over the account and has been contacted twice about the matter and failed to remove the item even though it showed in the rental application that rep XXXX looked at that it is in fact another social used on the application. There was also another collection for the same ssn XXXX in there for another apartment that was applied for.
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: EQUIFAX, INC. (LA)

I have contacted Equifax on several different occasions and provided them copies of my passport, social security card, and drivers license. I have also written a letter which was included with these documents letting them know the birthday listed on my report is not correct. I have provided them with the correct birthday and they keep refusing to change it. They keep telling me to send in more documents which i have already done. They have it listed as XX/XX/XXXX  which is not correct. My correct birthday is XX/XX/.
Consumer complaint received 2023-11-03
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. (MI)

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 Account Number:XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a 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 2023-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NC)

I called into American Express. I got an email saying I still owed this months payment. I found that odd because I logged in 2 weeks earlier and set up the Post dated payment to pay off the balance in full on my due date. When I called in the account did not have that payment posted and the late fee was billed. I called in and paid off the balance in full ( like I have done every month since opening the card ) and asked for the late fee to be removed. The agent refused and said that a manager couldnt fix the issue either because her system determined I wasnt eligible for the removal. I informed her that I set it up online through their system and the payment didnt post so this is a bank error not mine. She said there was nothing to do. I asked for a complaint to be submitted and requested a return phone call back with the resolution. She said that department cant be reached and doesnt return phone calls. As of today I still have not been reached out to
Consumer complaint received 2023-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: REGIONS FINANCIAL CORPORATION (TX)

regions XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX I have never given this company written consent or permission to access my consumer profile. i would lke them to remove immediatly requested my consumer report without my written consent/permission..
Consumer complaint received 2023-09-05
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Bridgecrest Acceptance Corporation (GA)

I have reached out to XXXX in the compliance department on several occasions, left multiple voicemails with no returned calls. I have reached out to XXXX since around XX/XX/XXXX. XXXX XXXX I reach out to check on the status of the settlement of the debt and I was told that the vehicle has been sold. The vehicle was repossesed on XX/XX/XXXX and Bridgecrest sent a letter to me well after XXXX business days informing me that the vehicle has been repossessed. Bridgecrest is aware of how the debt is being settled and have yet to reach out to me. I also discovered that Bridgecrest received a GA title on XX/XX/XXXX from the Georgia XXXX and transferred the title to Arizona on XX/XX/XXXX. Bridgecrest did not allow me a full 30 days to settle the debt which are the terms outlined in the letter from Bridgecrest dated XX/XX/XXXX. There was only a lien on the vehicle for 21 days and they never had a title in the state of Georgia until XX/XX/XXXX.
Consumer complaint received 2023-08-30
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. (FL)

On XX/XX/2023 The Credit Bureaus stated XXXX XXXX XXXX XXXXXXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I havent given these accounts written permission to furnish these accounts on my credit report as well.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am writing to express my disappointment and concern regarding Bank of America 's lack of response to my dispute letter dated XX/XX/2023. The purpose of my correspondence was to bring to your attention an account that is inaccurately reporting on my credit report and to request validation of the account 's accuracy in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

My specific concern is that it is not reporting 100 % accurately on my credit report. I had requested in my letter that Bank of America validate this account to ensure its accuracy and completeness, as I believe there may be discrepancies in its reporting. I also stated my expectation that, should the account not be reporting accurately, it should be removed from my credit report as mandated by the FCRA. 

It is now evident that Bank of America has not fulfilled its responsibility to respond to my dispute within the required time frame, thereby violating the FCRA 's regulations. As of today 's date, I have not received any investigation results or correspondence from Bank of America regarding the accuracy of the account in question. 

This failure to respond not only disregards my consumer rights but also contributes to the ongoing presence of inaccurate information on my credit report. The FCRA is designed to protect consumers from such circumstances and mandates that accurate and verifiable information be reported by creditors and credit reporting agencies alike.
Consumer complaint received 2023-08-08
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)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 

XXXX XXXX