davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-28
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-21
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 data was leaked through XXXX and these account need to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX " XXXX : XX/XX/2023 To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report are in violation of Federal Law. You are required under the FCRA to have a copy of the creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under 15 USC1681i ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance 15 USC 1681n if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. XXXX with account number XXXXXXXX XXXX with account number XXXXXXXX XXXX XXXX XXXX with account number XXXXXXXX XXXX XXXX with account number XXXX In addition, Delete all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re- investigation. 
Thank you, ''
Consumer complaint received 2024-06-28
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. (CA)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

On XX/XX/year> Credit Karma was showing XXXX XXXX XXXX instead of XXXX XXXX XXXX. 
My XXXX XXXX  showed XXXX XXXX XXXX without XXXX of the marriage being resolved. The XXXX and XXXX agency have fixed the error but the credit agencies have not. 

Evidence ss #, re marriage without motion of default and signed from both parties, XXXX XXXX XXXX XXXX XXXX XXXX stating my legal name to my husband by law
Consumer complaint received 2024-06-28
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: SANTANDER HOLDINGS USA, INC. (CA)

On XXXX I called Santander, the bank who was handling my personal loan, to inform them I was paying the account off, and sending a {$20000.00} check via XXXX the following day, XXXX. On that date, I mailed the check to the address stated on my monthly statement. A tracking number was given to us by the XXXX and it was followed, showing that the check arrived at that address on XXXX. On XXXX I called Santander back, wanting to make sure the account was closed, since the check sent was above and beyond what was owed. After talking with a representative, who seemed to give me a run around, telling me the check never arrived. I then asked to speak to a supervisor and asked her name. She responded XXXX. I told the situation and gave her the tracking number and she confirmed that yes, the check had arrived on the XXXX of XXXX, as the tracking number indicated. She told me not to worry, that the account would be processed within XXXX days, and that in fact the last payment, which was an autodraw, was reversed back to us, and that she also stopped any further autodraws from my bank. That was a lie. She also said we could call back the following Monday or Tuesday, to confirm account had been closed. I waited until XXXX to call back, giving them plenty of time to close the account. It was not. I had to talk to another supervisor by the name of XXXX, telling me she was from a XXXX XXXX  branch. She had no clue about this issue, to where I had to again give her all the information, ie ; tracking number, check number and amount, and so forth. She couldn't find anything. However, she said she would check on call me back on XXXX. I am waiting
Consumer complaint received 2024-06-28
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. (NY)

I recently checked my credit reports and noticed multiple billing errors. You are in serious violation of TRUTH IN LENDING ACT ( TILA ) 15 U.S.Code 1637 ( b ) ( 2 ) ( a ) and the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error
Consumer complaint received 2024-06-28
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. (NY)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-06-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XX/XX/year>, both my personal and business accounts were closed without warning after making a cash deposit at their atm. I called the bank and was told that it was a buisness decision to close my accounts. I have payroll and vendor accounts that will be affected by this random decision. All of my money and pending deposits will be held up until whenever they feel comfortable sending me my own funds. Its the first of the month and XXXX going to be in a bad situation
Consumer complaint received 2023-11-21
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. (NC)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant XXXX  and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-06-28
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. (DE)

I am writing to file a formal complaint and demand immediate action regarding the inaccurate reporting of a bankruptcy on my credit report by credit bureaus. Despite repeated attempts to rectify this issue, the credit bureaus have failed to provide verifiable proof of the accuracy of this entry. According to information obtained from the court, they do not report bankruptcy information to any credit agencies. Therefore, the credit bureaus ' assertion of accuracy lacks credibility and violates my consumer rights.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-28
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)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-29
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. (TX)

Every Inquiry in my Credit Report has violated my rights. 15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy. 15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedes 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 other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: VALLEY NATIONAL BANCORP (NY)

On XX/XX/year>, I opened a checking account online with Valley National Bank. The account was opened under a promotion offering a {$400.00} bonus if the account would receive two or more qualifying direct deposits with a cumulative total of {$7500.00} or more within 90 days of account opening. I immediately switched my payroll direct deposit to Valley, and between XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ( my latest biweekly paycheck ), a total of {$15000.00} was direct deposited into the account. On XX/XX/year> the bank sent me a letter by email stating that based upon information they received from XXXX XXXX XXXX XXXX, they will be closing my account as of XX/XX/year>. I called the bank to inquire about my bonus and was told that the bonus would not be paid. I more than fulfilled the requirements for the bonus and if they had issues with the information in the XXXX XXXX report they should have addressed this before or at the account opening. I therefore feel that Valley Bank should be compelled to honor the terms of their offer.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I am filing this complaint against the major credit reporting agencies ( Equifax, XXXX, and XXXX ) due to the reporting of a bankruptcy on my credit report. Specifically, the credit bureaus have listed the U.S. Bankruptcy XXXX XXXX XXXX XXXX XXXX as the data furnisher of this bankruptcy information. This is false, as I have received an official letter from the XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  stating that they do not furnish information to any credit reporting agencies or credit monitoring services. Furthermore, they have confirmed that they do not verify or validate any bankruptcy-related information for the credit bureaus. 

Despite providing this information to the credit bureaus and disputing the inaccurate reporting, the credit bureaus have failed to remove the erroneous bankruptcy from my credit report. This inaccurate bankruptcy listing has caused significant harm to my creditworthiness, including a negative impact on my credit score and potential denial of credit. It is crucial that this inaccurate information be corrected immediately.
Consumer complaint received 2024-06-29
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. (MO)

My account with 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX never sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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 2024-06-29
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 have inaccurate information on my credit report on XXXX, Experian and XXXX that I have XXXX closed Charge off accounts from XXXX  XXXX with reporting balance {$2300.00}, and XXXX XXXX XXXX XXXXXXXX XXXX XXXX balance of {$1100.00}. I never received a XXXX c form from the debt being paid off, and according to Law FRCA 605B it is illegal to report information on my credit report without my permission.
Consumer complaint received 2023-11-22
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. (NY)

I regret to inform you that your decision not to address my identity theft issue on the grounds of an alleged error or misrepresentation of material facts is deeply concerning. What authority do you possess to make determinations regarding material facts? You neither hold the role of a judge nor serve on a jury, nor do you possess any such entitlement. According to the guidelines of the Federal Trade Commission ( FTC ), when presented with an FTC identity theft report filed through a law enforcement agency ( which is, in this case, the FTC itself ), compliance with the law is mandated. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am extending one final opportunity for you to process my request concerning the identity theft incident. Failure to do so will leave me with no choice but to pursue legal recourse in a courtroom setting, wherein you will be held responsible for the damage inflicted upon my reputation, and credit, and the emotional turmoil I have endured due to this matter. It is highly likely that the true material facts will become evident, and you will be held accountable for your negligence. I implore you to ensure the resolution of this matter within the legally mandated 5-day timeframe. I trust that you will act in accordance with the law.
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

My XXXX loan account is reporting inaccurate late payments on the account. According to my XXXX, XXXX, and Experian The student loan company reported a one time 90 past due late payment on XX/XX/2019. How can the payment be 90 past due late on XX/XX/2019 but in XXXX, XXXX, XXXX, XXXX, XX/XX/2019 the 5 months before the so called late 90 day everything was reported as on time and Current/ terms met. It is not accurate and it should be removed from my credit file.