davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-29
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. (MD)

It has been drawn out into the open that you 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, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX 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 2024-06-19
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)

I recently reviewed with my credit report and noticed an account that was not reported accurately I had one XXXX  day late payment on an account that was in fact paid on time but consumer reporting agencies need to report all information with complete accuracy this account has not been late on payments. I've attached my credit report to this complaint on these date ( XXXX  2022 ). I'm now requesting you investigate this account and update this late payment to be paid on time immediately thank you for your understanding and prompt action.
Consumer complaint received 2023-03-16
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. (IL)

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX/Dept of EDXXXX 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 XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX INQUIRIESXXXX 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 XXXXXXXX XXXX XXXX XXXXXXXX I have disputed these accounts multip

le in an attempt to get them investigated or deleted . They have violated my rights numerous times. A

ccording to 15 U.S.C.1681 section 602 A states that I have a right to privacy. According to 15 U.S.C 1681 section 604, A section 2 states a consumer reporting agency can not furnish an account without my written instructions. They have not provided proof that I have provided written instruction because I have not. 
They also have violated 15 U.S.C 1681 section 603 ( 3 ) ( E ) which states ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I have also submitted a supporting document stating that the bankruptcy court do not report to the reporting agencies.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

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 2016-05-02
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION (FL)

We had {$8.00} in our personal checking account on XXXX/XXXX/2016 posted as available balance. We made a purchase for {$3.00} and {$4.00} the morning of XXXX/XXXX/2016. That night ( several hours later ) a charge came through from XXXX XXXX for {$140.00}. We knew this charge would put us negative and we knew we would have to pay a {$36.00} overdraft fee. This single fee was something we decided we would have to incur to get our bills settled. Regions Bank took it upon themselves to rearrange the transactions so the larger debit came out first. To me this is simply fraudulent activity. They arranged it so we would now have XXXX fees to pay. I called Regions customer service and told them I wanted to change my account number and opt out of overdraft protection so I could attempt to fix the damage done. The lady I spoke with assured me that since my account was already negative I would not have to change my account number. I was told Regions would not allow additional charges to be made to the account. At this point I was n't sure if the reason was because I told them I no longer wanted overdraft protection or the fact I was already negative. Either way, I believed what customer service had told me. Sure enough, XXXX/XXXX/2016, XXXX more charges were allowed to go through to my account. I have been in email contact with Regions customer service where they are trying to accuse me instead of taking responsibility for what their customer service told me. I called customer support and I was told the checks would be returned and a {$36.00} fee ( same as their overdraft fee ) would apply to my account for the returned checks. This is after I was told no more charges would be allowed through to my account. I wrote a responding email to customer support explaining to them their mistakes, again, and I will only be paying the {$140.00} and {$36.00} fee. They declined to offer assistance.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is my sixth 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 alleged fraud or extortion.XXXX XXXXXXXX Balance : {$2900.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

I am not aware of any such inquiries, thus it looks that this one is unauthorized and maybe false. Please act right now to resolve this problem. For more information, see the materials that are attached.
Consumer complaint received 2024-06-19
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. (OH)

I obtained a copy of my consumer report on the date of XX/XX/year> that is reporting numerous innacurate negative accounts. This has not only damaged my right to extend credit but it has made me loose hope and trust within the banking system. I have been denied for credit cards and home loans because of this and my character has not only been defamed but my mental and physical health have suffered greatly. There is no law that says a consumer reporting agency MUST furnish information about a consumer which is why congress made it very clear that your company ASSUMED this VITAL role pursuant too 15 USC 1681 ( a ) ( 3 ). Also, your company failed to be fair and respect my right to privacy according to 15 USC 1681 ( a ) ( 4 ). 

I am requesting valid proof and documentation that these negative items were investigated fairly and properly. Also please provide me with the system and details your company uses to determine if transactions took place or not. Your company is in violation of several federal laws including the responsibility you have to protect my privacy. 

I am giving your company the opportunity to make this matter right by way of the following : * REMOVE ACCOUNTS * REMOVE LATE PAYMENTS * REMOVE INQUIRIES
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (AL)

XXXX XXXX  acquired XXXX XXXX XXXX  in late XXXX. I had a HELOC with XXXX XXXX for over a decade. MY credit Union, XXXX  XXXX XXXX was set up to auto-Bill Pay my HELOC Bill in the amount of {$400.00} per month at the same time each month. This was never a problem until XXXX  acquired XXXX. I was informed in XXXX of XXXX  that I was three months past due. I immediate paid XXXX the {$1200.00} they claimed I was " past due '' due to a refinance I was going through with my Credit Union at the time. Afterwards I sought to find out what happened to the three {$400.00} payments my credit union was supposed to make for my HELOC but that XXXX claimed were never made. After many many months of getting the run around I provided XXXX with multiple documents including official communication and verification from XXXX  XXXX XXXX that the payments were made and were never returned or rejected by XXXX XXXX. I am now out {$1200.00} with no recourse despite all the evidence that shows the payments were made and never rejected. Additionally, XXXX ruined my credit by reporting my loan as being 3 months past due when in fact all the evidence shows that the three {$400.00} payments were not only made, but made in the same manner by the same financial institution and on the same dates of the month as they had been for over a decade before XXXX acquired XXXX. I wish to have my credit restored, the delinquent payments struck from my credit report and my {$1200.00} refunded as it now proven that I have now paid it twice while attempting to get this issue resolved by XXXX
Consumer complaint received 2024-06-19
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)

I have provided all XXXXour pieces of information and expect these listed accounts to be deleted and blocked within four business days of your receipt of this notice ; otherwise, you are in violation of my rights under the FCRA once again! If you do not initiate an investigation regarding my dispute and delete this information within 4 business days of receiving this notice per 15 USC 1681c-2, as is my right under the FCRA, I will have to take legal action to protect my credit rating and myself. Each violation of the FCRA allows for damages of {$1000.00} should this matter be brought to court. 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) essentially states that if a person willfully violates any requirement of the FCRA with respect to a consumer, they are liable to that consumer for any actual damages suffered as a result. If actual damages can not be determined, the consumer can still receive statutory damages ranging from {$100.00} to {$1000.00}. This provision ensures that consumers are protected and have recourse if their rights under the FCRA are willfully violated.
Consumer complaint received 2023-10-27
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. (IN)

Personal information was made public to 3rd party agencies as well as inaccurate information on my personal consumer report without my expressed written consent in writing. I also believe but can not verify that XXXX as well as other 3rd party agencies benefitted monetarily in sharing my restricted private information.
Consumer complaint received 2023-03-16
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This alleged debt holder has many violations, as mentioned before. XXXX XXXX XXXX XXXX has removed it, the others still need to. See attached for my recent communication.
Consumer complaint received 2024-07-09
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. (LA)

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 2024-06-19
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. (NH)

I am a federally protected consumer and I am aware of my rights laid out by the FCRA. Im aware that you as a consumer reporting agency must maintain accurate records at all times across all credit reporting agencies on consumers files. 
Please investigate the bellow accounts validity within my consumer report that you maintain under my name and update my report to your findings within 30 days of your receipt of this dispute notice as per FCRA guidelines. 

I have attached screenshots of the erroneous information within my report for this account. Please complete this account within 30 days and forward me the results. If this account can not be validated, DELETE from my consumer report. 

ACCOUNT : XXXX XXXX XXXX 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 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. 
I have experienced much mental hardship over this erroneous account as it is prohibiting me from refinancing my home. 
Standards established in the credit industry were created to ensure integrity of data and uniform communication between ALL credit-reporting agencies to maintain maximum possible accuracy. If these standards are broken then liabilities can arise. 
Your agency is obligated to conduct a thoughtful and fair investigation about this very important matter as I am attempting to handle this issue privately, now. 
I have attached the erroneous account ( s ) in question. This account ( s ) needs to be DELETED due to inaccurate information reported within my consumer report if it can not be 100 % verified/validated within 30 days of your receipt of this dispute notice. Failure to do so could constitute willful non-compliance. 
Please DELETE this erroneous, inaccurate information from my consumer report within 30 days of your receipt of this letter if this information can not be made complete. 

Thank you for your rapid response in this very important matter, XXXX XXXX.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Weimark (NJ)

To Whom it may concern, I am actively challenging the validity of this alleged eviction you have listed on my consumer report. In the recent months, I have challenged this same account with the credit reporting agencies and they came back stating that they have verified this alleged account with ( XXXX XXXX XXXX XXXX NJ XXXX To my complete and unbiased knowledge ( Weimark * ) has a responsibility to ensure accuracy and completeness on ANYTHING you are reporting on me pursuant 15 U.S.C. 1681.

Having the understanding and position, I am requesting that you forward me any supporting or justifying documents you have on my file allowing you to report this alleged eviction. I am expecting a response from you within 30 days from the dat you receive this letter.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

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 2024-06-19
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)

I cosigned for a vehicle lease for someone else. The account became delinquent and I was never notified by the company. When I found out, I contacted the company and I paid the full balance of {$1300.00} on XX/XX/XXXX. In XX/XX/XXXX, the company reported a charge off after I had paid the full balance. This was malicious and creates a false and unfair depiction of me. I have no other late payments on my credit reports yet I have been paying higher rates for an excessively long time ( 6 years ) because of something that was not my fault.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

I SENT IN A CERTIFIED DISPUTE AFTER NOTICING INCORRECT ACCOUNTS ON MY CONSUMER FILE. I ALSO SENT MY IDENTITY FRAUD REPORT AND INSTEAD OF EXPERIAN INVESTIGATING THE DISPUTE THEY CONTINUE TO SEND ME LETTERS TO VERIFY MY IDENTITY WHICH I HAVE SENT MY LICENSE, SOCIAL SECURITY CARD AND UTILITY BILL SEVERAL TIMES. MY RIGHTS HAVE BEEN VIOLATED AND IM GOING THROUGH HARDSHIP DUE TO THIS.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.