davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-08
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 those creditors 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 in those account 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.

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 2022-02-14
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. (MI)

Please Remove all Fraudulent accounts and inquiries as i have no knowledge of any of these accounts they are being investigated by the FTC, According to FCRA 605B this information must be blocked immediately until the investigation is over.
Consumer complaint received 2024-08-08
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. (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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed inquiries I didn't consent to and personal information I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I never consented to these inquiries and did not provide written consent to report them List all inquiries : Here is the personal information that I never consented to or provided written consent to report : List all personal information want deleted :.

Please investigate and provide proof with statements showing that I authorized or consented to these inquiries or personal information and proof that I authorized the reporting of this information. If proof can not be provided I demand these inquiries and personal information be deleted.

Adjust accordingly if there is no inquiries or personal information to be deleted "
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( XXXX  ) appropriate proof of the identity of the consumer ; ( XXXX  ) a copy of an identity theft report ; ( XXXX  ) the identification of such information by the consumer; and ( XXXX  ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$670.00} XXXX XXXX XXXX XXXX Balance : {$9500.00} XXXXXXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2024-06-04
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. (NY)

I am writing once more to express my bewilderment at your credit bureau 's handling of the investigation into the accounts, as I continue to dispute the presence of fraudulent accounts on my credit report. As you are aware, I have submitted the required FTC report regarding these fraudulent accounts. Following my submission, both XXXX and XXXX removed these accounts from their records. 

I have also directly contacted the banks associated with these accounts, and they have confirmed the removal of the accounts. Therefore, I am puzzled as to why these accounts are still being reported by your bureau. 

It is imperative to recognize that as a credit bureau, you are legally bound to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only violates this obligation but also exposes me to further harm. 

XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX ...., XXXX XXXX XXXXXXXX XXXX ....
Consumer complaint received 2024-06-04
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)

I reviewed my consumer reports and noticed that I had two late payments on an account that I was never late for consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account : ( XXXX XXXX ) : ( XXXX ) please investigate and provide proof with statements showing that these payments were late.if proof can't be provived I demand these payments be updated to on time as they should be as I was NEVER late. thanks
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I sent credit dispute letters to Experian, XXXX, and XXXX on XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. I have not received documentation providing the results of these investigations into the inaccurate items I disputed.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act, Bills Of Exchange Act, Federal Reserve Act, 18 usc 241/242, Truth & Lending Act, CDCA, HJR -192, ECOA ( Equal Credit Opportunity Act ). The list of accounts from all 3 credit BUREAUS, reported on XX/XX/XXXX, below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, Federal Reserve Act ( Section 16 part 2 ), and Bill of exchange Act, Metro2 compliance, Regulation V, and GAAP. They also knowingly and willingly conspired to deprive me of human rights under color of law title 18 usc 241/242, while committing securities fraud. FACT : 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate. There are inaccuracies and discrepancies in the PAYMENT HISTORY, ACCOUNT NAME, OPEN/CLOSED ACCT, ACCOUNT TYPE & ACCOUNT #. THESE INACCURACIES ARE CAUSING HARM/INJURY TO MY WELL BEING, PLEASE DELETE FROM ALL CREDIT REPORTS IMMEDIATELY. 

XXXX has already verified and deleted all accounts from credit report, but XXXX and Experian are still reporting accounts. Attachments show that XXXX has deleted the account via disputes CFPB.gov. ( Submitted on XX/XX/XXXX, complaint # : XXXX ) LIst of Accounts deleted via XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2024 a Credit Card was opened in my name that I didn't apply for or have possession of. I have since then disputed the account and put a credit freeze on my Experian. On XX/XX/XXXX I got a letter from a XXXX XXXX XXXX XXXX 's for a late Rental Charge. The name on the letter is XXXX XXXX who I have found online is using my name and birthday because she has my name listed as a Aka. The creditor is XXXX I have not been able to contact because they are only by mail.
Consumer complaint received 2024-06-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX and XXXX XXXX XXXX, XXXX, CA, XXXX.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CT)

I am appalled that you have refused to block my identity theft claim, citing an error or misrepresentation of material fact. What gives you the right to determine material facts? You are neither a judge nor a jury, and you certainly do not have the authority to make such determinations. The FTC mandates that if you receive an FTC identity theft report, which is filed with a law enforcement agency, you must comply with the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

Please take a look at the attached letters and ID docs for verification that it is XXXX 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 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$1000.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-09-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (MN)

I attempted to call and inform the fraud liaison with the US Bank that a transaction took place on XX/XX/XXXX of XXXX  that I was unaware of until tonight. On XX/XX/XXXX of XXXX  there was a withdrawal at a US Bank ATM, the XXXX XXXX location in XXXX XXXX XXXX  for {$2000.00}. At this point, I understand that theyre not willing to give any money back or provide much information as I was hung up on XXXX times. I just believe that any and all information pertaining to my identity theft, and the fraud thats taken place over the years is important for me and probably for them as well. I would just like to know why the fraud department would not want to talk to me about this and or investigate the matter, as its such a large withdrawal. The reason XXXX dont think it was me because I was in XXXX at the time.
Consumer complaint received 2024-05-30
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (MI)

I am having issues logging into my account at XXXX XXXX XXXXXXXX I have been trying to retrieve the virtual gift card details in order to use the cards, which end in XXXX and XXXX. However, it keeps showing me the error " There was an error signing in. Please try again later, '' as shown in the attachment.
Consumer complaint received 2023-11-16
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)

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 2024-05-29
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Arcadia Holdings, LLC (OH)

AR XXXX XXXX ( XXXX ) XXXX contacted me on XX/XX/XXXX about a debt I supposedly owe in XXXX from a company I do not remember using. She told me its was for a {$500.00} loan but with interest and penalties it was over {$2000.00}. They will settle for {$310.00}. I asked for them to send me documents about the debt and what company this was from and she told me she could not. I had to settle now and if not it would go on my credit report and expect a summons to court in XXXX business days. She said her supervisor told her she cant give that information out. Then hung up on me.
Consumer complaint received 2024-04-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (ME)

I am XXXX XXXX XXXX and do not have payments due at this time. On occasion I do try to make small payments as my original loans have ballooned from XXXX - XXXX in the last couple of years and recently noticed these payments are not being applied to my account. The money has been removed from my bank account so I can see the payments were made from my bank but they have not been applied to my account and do not show up in my transaction history on EDfinancial
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CNG FINANCIAL CORPORATION (OH)

This company XXXX XXXX continues to inaccurately report my past two loans as open or unpaid. For 5 months now I have requested through all credit reporting agencies and XXXX XXXX  to fix the inaccurate information, as soon as it is fixed XXXX XXXX illegally reports as unpaid the following month. I feel they continue to do this month after month to prevent me from getting loans at a decent rate due to it negatively affecting my credit score. This is illegal and I have proof they continue to report to the credit bureaus month after month inaccurate balances to lower my credit score. Even after it is fixed they follow up with inaccurate information, this is illegal, this is fraud, this is damaging my credit! My account has been closed since XX/XX/year> and XX/XX/year> and they continue to falsely report a balance. This is fraud!
Consumer complaint received 2024-03-19
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pendrick Capital Partners (CA)

XXXX XXXX XXXX XXXX is saying I owe {$2300.00} when i already paid off my medical debt. I looked online and apparently they're known to send out fake debt collection letters and action has been taken against them. I want them to stop their harassment
Consumer complaint received 2023-12-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-03-06
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Pendrick Capital Partners (NC)

They have been harassing me by calling incessantly since XXXX XXXX. They do not leaving a message, and I do not take calls from strangers or companies with whom I have no business. 

Today, I received a text message from them indicating that they are a " Debt Collector '' and using my daughters name in the body of the text. 

They harassed me and violated my adult daughter 's right to privacy. There is no point seeking resolution from them because the damage is already done. They can not undo it.
Consumer complaint received 2023-03-14
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: Experian Information Solutions Inc. (NY)

FIRST OFF, I have provided you with thorough documentation that the data furnishers DO NOT have accurate records. SECONDLY, I have shown they are not responding to MY REQUESTS FOR INFORMATION, which is a LEGAL REQUIREMENT. And LASTLY, I continue to get CANNED RESPONSES from you WHERE YOU CLAIM YOU VERIFIED THE BELOW LSTED ACCOUNTS. Where is the verification? I have NEVER seen any documentation which proves I'm the legitimate author or responsible party to these accounts. Since it's not verified nor have I seen any proof how can you make the claim you've complied with FCRA law? Im giving you one last chance to rectify this situationThe following accounts are reporting inaccurately and I NEED THEM REMOVED IMMEDIATELY. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. 

XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$14000.00} Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to E-OSCAR or any means of automated verification.

Lastly, these accounts being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & created unwanted stress in my home life. I need them removed at once.
Consumer complaint received 2024-07-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A. (IL)

I was negative XXXX when I had a positive balance of XXXX so I canceled a charge from amc of XXXX to cover the negative and when it posted I'm still negative XXXX which made me invested in learning how much more money is being stolen from me and the amounts don't add up in the app at all