davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AR)

Please take a look at the attached letters and ID docs for verification that it is 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 2024-06-19
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. (FL)

I am writing regarding the regulations outlined in 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies. It has come to my attention that you have neglected to fulfill the requirement to indicate that a specific account was under dispute within the stipulated 30-day timeframe. This omission constitutes a violation of this provision.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 2024-08-30
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. (CA)

I, XXXX XXXX, am personally handling this complaint and there are no third parties involved. Enclosed are letters that explain the inaccuracies reported on my credit report. The information from XXXX, XXXX, and Equifax is incorrect, inconsistent, and outdated.
Consumer complaint received 2024-06-20
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 initially attempted contacting the credit reporting agency to remove late payment that has a derogatory effect on my credit and also was not authorized by me and also is against the law per Consumer law-15 U.S. Code 1681a. The changes that were made was not an actual correction to my credit reportXXXX XXXX XXXX ( XXXX ) is reporting a late payment on my credit report. Please remove late payments off of my credits report, this information is not correct and violates my right as a consumer, Per Consumer law-15 U.S. Code 1681a. any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility. This is reporting as derogatory on my consumer report and is not authorize by me please remove derogatory information per consumer law 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information. 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; This is the creditor of payments that should be reversed or removed.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I 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 2024-06-20
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. (OH)

Collection account from XXXX XXXX with account # XXXX and a balance of {$0.00}. The original creditor is THE GENERAL IN COMPANY. 
I previously disputed this account stating : ''I am a victim of identity theft and this debt is not mine. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. 
Collection account from XXXX XXXX with account # XXXX and a balance of {$0.00}. The original creditor is XXXX. 
I previously disputed this account stating : ''I am a victim of identity theft and this debt is not mine. ''. I don't agree with the results of your investigation.
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. (TX)

I am submitting this complaint on my own behalf to address an issue concerning late payments reported on my credit record. After reviewing my records, I found these late payment entries. However, despite sending letters regarding this matter more than 30 days ago, I have not received a response, and the creditors have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
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. (CA)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX section XXXX A. XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
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. (CA)

Upon review the files, it comes to the attention that there is an Error of FALSE information about a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with the balance of {$5100.00}. I have No acknowledgment nor given consent permission to anyone in the institution to use my personal information to obtain or open the account to made unauthorized charges. I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. As a Matter of rights under FCRA law to be in compliance, furnish-er of False information must provide any documentation that bears its original owners signature within 5 business days, failure to do so in the essence of time period must have the false information delete or remove before the matter is taken to the court because of Predatory Practice by the institution and the furnish-er of False information. Please taken step necessary to remove and delete prevent any account opened under owners personals information without permission nor consent.
Consumer complaint received 2023-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (DE)

My identity was stole and account was hacked didnt have access to my funds to pay any of my bill I notified Chrysler capital and they still reported my payment late to the credit bureau after I explained I was a victim of identity theft back in XXXX of 2022
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. (TX)

I have made repeated attempts to address the fraudulent, inaccurate, and misleading information present on my consumer report, but the issue remains unresolved. The inclusion of these erroneous items has had a profound impact on my life, causing significant stress and anxiety. It is crucial to emphasize that I did not authorize or consent to the association of this information with my name, as I have been a victim of identity theft.
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. (NC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2018-08-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

During the year of 2013, I called Sallie Mae customer service to ask for options about repayment. I do not make enough money to complete the $ XXXX monthly payment option, and at that time I was unemployed. I called Sallie Mae customer service about deferment, and they refused, stating that " due to the nature of the loan, your payments are due regardless of whether you have the ability to pay them or not, and will keep accruing interest. ''
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. (CA)

I am submitting this complaint on my own behalf. After reviewing my credit record, I discovered the presence of reported late payments. Despite sending letters requesting validation over 30 days ago, I have not received a response, and the creditors have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2024-06-20
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/year> it was brought to my attention I forgot to make a credit card payment and a {$29.00} fee was assessed. On XX/XX/XXXX I called to request a one-time waiver of the late fee but instead went into a 6 month XXXX interest program to help me pay down the balance. On XX/XX/year> it was brought to my attention Bank of America charged me another late fee in the amount of {$28.00} for XXXX. Essentially, Bank of America has reported to the XXXX credit bureaus ONLY for late fees rather than principal and interest payments that were paid each month. I request this 30 day late to be removed as they are late payment fees.
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. (CA)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option 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, XXXX, and XXXX data breach.
Consumer complaint received 2024-06-20
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)

I recently noticed that XXXX XXXX XXXX XXXX had used my Copy Written material without authorization. I sent them a cease and desist again to see if they will take care of this matter without involving legal action. I have attached a copy of the letter and the Common Law Copy Write along with proof of mailing.
Consumer complaint received 2024-06-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (OH)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-07-05
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: AMERICA FIRST FEDERAL CREDIT UNION (UT)

My husband and I went into America First Credit Union XX/XX/24 ( XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX ) to open up a business account. We are already established members of the bank ( have been for several years ) and already have multiple business accounts with said bank. The employee who helped us set up the account was XXXX XXXX. XXXX ran both of our credit ( hard pulls ) without our consent/knowledge/approval. Upon finding this news out a couple hours after we left the bank, the employee ( I believe her name was XXXX, direct number is XXXX ) I spoke to over the phone called me to inform me we were not going to get approved for our business account because we weren't established members, which is incorrect and that also our credit had been ran. Upon further investigation that XXXX made, she found the employee ( XXXX ) incorrectly filled out our business application and was NOT supposed to run our credit. My husband and I are in the middle of buying a home right now and close on the home on XX/XX/24, so as you can imagine we were incredibly upset to find out our credit was pulled as this is going to lower our credit score and look negatively to the underwriters on our home loan. 

We went to the bank again the next day to speak with the bank manager ( XXXX XXXX ) and told him the story. He did not seem to care at all that our credit was not supposed to be pulled and especially without our knowledge or consent. We expressed our concern and frustration to him and at the end of the conversation he said someone from the bank would be sending us a letter to give to the underwriter doing our home loan ( that says our credit wasn't supposed to be pulled ) as well as proof that they will submit to the credit bureau that it was also pulled in error- so it goes off our credit report. Of course, we have seen no such documentation and upon countless follow ups no one will get back to us or send us the promised documents.
Consumer complaint received 2023-10-28
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. (VA)

XXXX XXXX XXXX XXXX XXXX. 
XXXX, VA, XXXX XX/XX/2023 Experian Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, TX XXXX Re : Dispute of Inaccurate and Incomplete Accounts on My Credit Report Dear Experian Dispute Department, I am writing to formally dispute the accuracy and completeness of certain accounts that are currently being reported on my Experian credit report. The accounts in question, along with their respective account numbers, are as follows : 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 XXXXXXXX ( In Collection Status ) I believe that the information being reported on these accounts is in violation of the Fair Credit Reporting Act ( FCRA ) due to its incompleteness and inaccuracy. Specifically, the discrepancies I am disputing include incorrect balance amounts, payment history inaccuracies, and a lack of proper validation of the debts.

Under the FCRA, it is essential that the information on my credit report is both accurate and complete. The inaccuracies and omissions regarding these accounts are detrimental to my creditworthiness and financial standing. As such, I am formally requesting that Experian investigate and rectify these issues by removing the disputed accounts from my credit report immediately.

I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and the Attorney General 's office if these inaccuracies and omissions are not promptly addressed. Please consider this letter as a formal dispute under the FCRA and initiate an investigation into the disputed accounts immediately. In addition, I request that you provide me with written confirmation of the actions taken within the timeframe required by law.

You may contact me at XXXX or via email at XXXX to discuss this matter further. All correspondence related to this dispute should be sent to the address provided above.I look forward to a swift resolution of this matter and the removal of the inaccuracies from my Experian credit report! 
Sincerely, XXXX XXXX
Consumer complaint received 2024-06-20
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. (CA)

Experian is reporting fraudulent items to my credit report. I have been a victim of identity theft for the past XXXX years and there are fraudulent accounts that were open in my name that appears on my credit report. The following fraudulent accounts that appear are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX ( BALANCE : {$470.00} ) /I am not liable for this debt with XXXX XXXX and I do not have any contract with XXXX XXXX XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX ( BALANCE : {$1500.00} ) /I am not liable for this debt with XXXX XXXX XXXX and I do not have any contract with XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ( BALANCE : {$5700.00} ) /I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX XXXX and I do not have any contract with XXXX XXXX. I have never had an account with none of these companies. Cease the reporting of the fraudulent items being reporting immediately. I am not liable for this debt. Please remove the fraudulent accounts listed above upon receiving this document. I have attached a copy of my complaint and letter that I have sent out to XXXX XXXX, a copy of my id and FTC report. ( Please See Attachments ).