davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-27
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. (AL)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with EXPERIAN XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( XXXX ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-27
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. (LA)

On XXXX XXXX XXXX XXXX responded to a complaint stating the account was terminated and not being reported to any bureau. I then filed a dispute with Experian to remove account from my consumer report because it is reporting inaccurately. Experian sent me an email today stating that the company XXXX verified the account. How was the account verified and it has been terminated. Experian is reporting inaccurate accounts to my consumer report. Experian is violating my consumer law rights by knowingly reporting inaccurate accounts to my report. I have enclosed copies of the letters to support my complaint.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I recently reviewed a an opt of my credit file and found information to be inaccurate, incomplete or unverified. XXXX investigated and deleted the account with XXXX XXXX. Account number XXXX. I provide a copy of the deletion results to Experian and XXXX but they refuse to follow the laws they have in place. If one bureau finds an account to be inaccurate, incomplete or unverifiable, they must share the information with all reporting agencies.
Consumer complaint received 2024-06-27
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


-- INQUIRIES -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-26
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. (FL)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681 c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681 c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX {$0.00} XX/XX/year> # XXXX
Consumer complaint received 2024-06-27
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)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (IN)

My information was found by m a 3rd party website called early warning signs. Per the FCRA, as a federally protective consumer, I am now opting out any and all authorization, I the consumer may have given you, written, unwritten, verbal and non verbal, per 15 USC 6802. THE PRIVACY ACT OF 1974. ( 15 USC 1611 ) Criminal liability for willfully and knowing violations. ( 15 USC 1681 ) Accuracy and Fairness of Credit reporting. IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information. ( 15 USC 6802 ) Obligation with respect to disclosures of personal information. ( 15 USC 6805 ) The enforcement of the regulations prescribed there under shell be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulator, the State insurance authorities, and the Federal trade Commission with respect to financial institutions and other person subject to their jurisdiction under applicable law.
Consumer complaint received 2023-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Newport Intermediate Inc. ()

I have 2 pre-paid digital credit cards with the company XXXX. The cards were provided with a short expiration date and are now expired while I still have funds on them. 
In order to be able to use my funds, the only option is to request a replacement card, however, the company is adding abusive barriers for that to be done : 1. The only way to do it is to print a form, sign it and post it to the company. If the form is not received in 30 days, it is not considered 2. One can not control the post times, specially when living outside of USA - there is no way for me to assure it will arrive on time. Not to mention that we are living in 2023 and there are better ( digital? ) ways to submit such request 3. Replacement fees are abusive, meant to consume your balance.

4. The balance I still have in one of my cards is not enough to pay the replacement fees, meaning my balance is " locked '' and ultimately lost due to lack of options to withdraw or transfer
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My account with XXXX 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 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 XXXX XXXX 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 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

My account with XXXX 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 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 XXXX  XXXX 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 2024-06-27
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. (WA)

I am contesting the information on my credit report that I believe is not correct. The information has not been proven to be true, correct, or verified. According to the federal and state laws that apply to me, you are required to report information accurately and completely. You should not keep or report anything that you know is not in compliance with the law or regulations. I am writing to let you know that you need to make sure everything in my credit report is accurate. If you can not provide proof that the information is accurate, compliant or valid I demand that you update to paid on time and never late. I would also like for you to mail me physical proof of the actions you have taken to correct my credit report and a new updated report. The following item on my report appear questionable! Please certify that all claims are true and accurate, complete and timely reported. If not, please update immediately. 

Under 15 USC 1666B- this is a billing error, it was always paid as agreed, and on time this is an error this account is in violation I also didnt receive a statement 21 days before the bill is due and this a billing error under 15 USC 1666b ( 4 ) ( 5 ) ACCOUNT - XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. 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 2024-09-17
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. (FL)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that XXXX. 



XXXX. XXXX XXXX - XXXX XXXX. XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX - XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX - XXXX XXXX. XXXX - XXXX XXXX. XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX  XXXX - XX/XX/year> XXXX. XXXX  XXXX  - XX/XX/year> Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

I have previously sent disputes regarding this issue numerous times. This issue is really causing me to have significant emotional distress. Experian and XXXX XXXX XXXX is failing to truly investigate and validate the information that's in my consumer report. It is illegal for the bureaus to report an active payment history when the alleged account is a charged off account. This inaccurate information falsely manipulates the statute of limitations. Their negligence has violated my rights. I AM DEMANDING A DELETION IMMEDIATELY! 

also, the alleged account states that it went into delinquency in XX/XX/XXXX. How is that possible when the original creditor ( XXXX ) was paid in full the month of XXXX of XXXX. Experian is NOT doing its due diligence and reporting correctly on my consumer report. 

DELETE ACCOUNT IMMEDIATELY!
Consumer complaint received 2023-11-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I recently discovered unauthorized credit inquiries on my report from XXXX XXXX  XXXX and XXXX XXXX on XX/XX/2022, which I did not authorize and do not align with the permissible purposes outlined in the Fair Credit Reporting Act ( FCRA ). As the FCRA permits credit inquiries only for a firm offer of credit, insurance, a court order, or employment purposes, I request the immediate removal of these unauthorized inquiries from my credit report, as they were not authorized by me. I appreciate your prompt attention to this matter and request that the necessary steps be taken to rectify this situation promptly. I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim.
Consumer complaint received 2024-06-27
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. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-26
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (NC)

I've contacted the property manager XXXX XXXX via email on XX/XX/XXXX about my concern for XXXX 's Rent. On XX/XX/XXXX I received a message from XXXX, their rent collector, saying theres a balance for {$1900.00} for the month of XXXX. I called the day before to see what the balance was about because from what is documented and signed on our lease agreement is that the last month of XXXX rent would be a prorated amount of {$1200.00} since the lease caps and ends on the XXXX of XXXX. Since we first moved in on XX/XX/XXXX, me and my roommate paid a prorated amount of {$600.00} via cashiers check so its documented that XXXX 's month would be the same instance since we did not stay for a full month technically. The lease documents state that XX/XX/XXXX is the official end of the lease so why are we being charged for a full months rent? it's not fair for us and its not fair to the XXXX XXXX XXXX XXXX  nor to the apartment management company ( XXXX XXXX  ). I then got followed up by XXXX XXXX who also confirmed that XXXX 's rent would be prorated to the amount of {$1200.00}. I have documents, emails, and screenshots of our conversations. After we had officially moved out we get an email saying that we owe {$3600.00} for the month of XXXX. I sent a email to XXXX XXXX asking if he ever looked into why we are being charged for the amount of {$3600.00}? When the amount was supposed to be prorated to {$1200.00} for the month of XXXX. I didn't understand why we were being charged double for a single month 's rent being that we did not even stay for a full month, we stayed til our last move out day on XX/XX/XXXX. It felt like I was being taken advantage of and they did everything in their power to get more money out of me and it set me back financially because It damaged my credit. They went from saying the rent will be prorated to {$1200.00} to then rent being {$3600.00}.
Consumer complaint received 2024-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX, I filed claims with Bank of America because I noticed unauthorized withdrawals from my checking account. These transactions were fraudulent, and money was sent from my account to someone elses XXXX account. One of the transactions was for {$6300.00}. Despite providing all necessary information, Bank of America denied my fraud claim. I need this money urgently, as I was recently laid off and can not afford this loss. My money was stolen, and I need to be protected and reimbursed for these unauthorized transactions. 

This description includes the necessary details without including personal information.
Consumer complaint received 2024-06-27
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. (NJ)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be deleted ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-26
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

Since XXXX I have been trying to get this account out of my credit report. Back in XXXX due to financial hardship I need to move with my ex-mother-in-law XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX TX. 

I have a XXXX  back then. Per their apartment manager at XXXX XXXX I needed to be added to the contract as a dependent not as rental independent since I didn't have a job at that time. 

Unfortunately, XXXX XXXX did not pay rent and we were evicted. Since then, I've been having hard time reaching out XXXX XXXX XXXX XXXX  and National Credit Systems who reported this in my credit. They are terrible! No one can help me. I have disputed this a million of times via XXXX and XXXX and nothing seems to change. 

This has been very frustrating, and I hope this company get hold accountable.
Consumer complaint received 2024-06-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: PLACID NK CORPORATION (TX)

I placed a transaction to transfer money to XXXX from my XXXX account to a relative in XXXX for family maintenance. After placing the transaction, every XXXX hrs, placid team started sending me emails asking for more and more information. After uploading pictures like DL copy, they texted me that they need more information and I have to call them and provide them more information. I asked them is this information needed by regulatory ( government ) or placid. I asked this question 5 times over XXXX phone calls and each time they responded this information is needed for Placid and not required by regulatory. When I denied additional personal information which is not required by regulatory, they cancelled my transfer without sending any communication. 
My Complaint is with Placid located @ XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX and their website is https : //www.placid.net