davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

What happened? 
XXXX XXXX has made fictitious 30-day late reportings violating consumer protection laws. I have provided proof of the payments yet the credit bureau insists on reporting incorrect information affecting my livelihood. Additionally, proof off payment has been submitted for XXXX XXXX, XXXX XXXX and XXXX XXXX all with incorrect reportings. Further, XXXX frivolously ignored the requirement to notify my eligibility for participation in the State of FL lawsuit ordering relief to include forgiveness, and/or balance waivers resulting from deceptive practices in violation of Consumer Protection Laws. I request this account be deleted due to this violation and noncompliance.
Consumer complaint received 2024-08-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: GLOBAL SOLUTION BIZ LLC. (NY)

Due to unforeseen circumstances from health issues I defaulted with what is being described as being a personal loan. On or about XX/XX/year> I was contacted by Global Solutions. I was confused being I was working with resource recovery. XXXX XXXX called to collect on money owed. I told XXXX XXXX that I needed some form of proof of who she was and that the company was legitimate. I was copied into an email that she sent to a lawyer as proof. I then requested a debt validation letter because the amount did not seem accurate nor was I comfortable with this person being legitimate. I never received anything by postal mail as requested. I sent my request with return receipt. I think this person may work for a company that can possibly collect the funds but I still have no solid proof. I refuse to give a debit/credit card or pay with XXXX to someone that cant provide accurate information. There was a returned email from an assumed attorney that was threatening to take my personal belongings, freeze my bank account, all my personal property and the list goes on including additional legal remedies.The generic email suggests settling for less than the full balance. While still waiting for a letter I tried to negotiate what I think is owed. It was denied. Another person then contacted me, XXXX XXXX and the email was titled notice of bank levy. I returned her call as I did all others but they claimed I didnt. I have proof. XXXX XXXX said the bank accepted the request and my account would be froze. I called my bank, no such paperwork was received. XXXX XXXX treated me terribly. She said people would be coming to my home and place of business and to notify anyone there. There was no appointment because I denied the request. Nobody ever contacted me. I told my children that if they see strangers to let me know. They are still scared. They were going to come and seize my assets. I got the same generic emails copied to and from an attorney. The woman was rude. She yelled at me. Treated me as if I was XXXX. Was treating me like an XXXX when I said I never heard back from the last lady and I didnt reach out yet because I was grieving the death of a very young friend. Its as if she joked about it. She was nasty then hung up on me. I searched a number to call a supervisor. This alleged supervisor said he would settle the debt for half the amount asked for with a agreed payment. I again asked for paperwork. I got a generic email letter that had me repaying double the agreed upon amount. I asked that XXXX XXXX never contacted me again. She did again informing me that I have until the XXXX then the lawyer was going to start freezing accounts and taking assets. The threats of sending people to my my home etc is to much. I have never been treated so poorly nor should I be. There is much more information and proof to back my claims.
Consumer complaint received 2024-09-19
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: EQUIFAX, INC. (FL)

Each credit bureau is not reporting accurate information. The creditors are reporting this as charged off but they are showing a balance due no 1099 was ever received even though they reorted this as a bad debt none of the last dates active is the same XXXX has the account listed twice as a repo but started reporting in XXXX of XXXX  as a charge off Equifax has thus account listed as a charge off but has been reporting as a paid as agreed
Consumer complaint received 2019-11-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Data Corporation (NY)

I've made several attempts to resolve this with company but was ignored. I asked them to send proof that the debt was mine, which is impossible because I was out of the country when the claimed purchases occurred, which means there was no way for me to make those claimed purchases. They did not send proof, anything with my signature on it, nor did they send any original copies of the checks they claimed that I wrote. At this point it's impeding on my life and I'm fully prepared to go to court for this.
Consumer complaint received 2024-07-05
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)

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. 

Account Name : XXXX Account Number : 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
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX  : I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

The following inquiry was not authorized and should not be reporting : - 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 Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please forward me an updated credit report after you have completed your Investigation and corrections. I have sent numerous prior requests to your organization asking you to check into the validity of inquiries that I believe are incorrectly reporting with you and asked that you remove them from my credit report. Enclosed is a copy of my Identity Theft Report supporting my position. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Your cooperation and prompt attention are greatly appreciated.
Consumer complaint received 2024-09-19
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. (PA)

Consumer formally request the ability to opt out of the below accounts on EQUIFAX consumer report, in accordance with the provisions outlined in 15 U.S.C. 6802 ( b ), 16 C.F.R. 313.7 ( a ), and 12 C.F.R. 1016.7 ( a ) ( 1 ) ( 2 ). 

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 As a consumer, I understand that I have the right to control the sharing of my nonpublic personal information with nonaffiliated third parties. Specifically, 15 U.S.C. 6802 ( b ) mandates that financial institutions must provide a clear and conspicuous notice to consumers about their right to opt out of such information sharing. Additionally, 16 C.F.R. 313.7 ( a ) and 12 C.F.R. 1016.7 ( a ) ( 1 ) ( 2 ) further detail the requirements for financial institutions to provide consumers with an opportunity to opt out of the disclosure of their nonpublic personal information to nonaffiliated third parties. 
Request : I am requesting that EQUIFAX, as a financial institution subject to these regulations, prove EQUIFAX provided the consumer the ability to opt out of the inclusion of certain accounts on my consumer report. This request is made to ensure that my nonpublic personal information is not disclosed to nonaffiliated third parties without my explicit consent. 
Justification : 1. Notice and Opt-Out Rights : According to 15 U.S.C. 6802 ( b ), I am entitled to receive a notice that clearly explains my right to opt out of the sharing of my nonpublic personal information. This notice should include a straightforward explanation of how I can exercise this right.

2. Regulatory Compliance : Both 16 C.F.R. 313.7 ( a ) and 12 C.F.R. 1016.7 ( a ) ( 1 ) ( 2 ) require financial institutions to provide consumers with a reasonable means to opt out of the disclosure of their nonpublic personal information. XXXX must comply with these regulations by offering an opt-out mechanism that is easy to understand and accessible.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

The credit reporting agencies have asserted that these accounts underwent thorough investigation and were verified as accurate. However, this assertion conflicts with the multiple inaccuracies clearly evident on my credit report. 

As a consumer, I am deeply concerned and request a detailed explanation of the steps your agency undertook to ensure the accuracy of these items, as mandated by 15 U.S.C 1681i ( 7 ) Method of Verification. It is perplexing and frustrating to see discrepancies persist despite your confirmation of verification. 

I urge you to provide me with comprehensive documentation outlining the specific methods and criteria used in the verification process. I expect transparency and accountability in accordance with the Fair Credit Reporting Act to resolve these ongoing issues promptly. 

Please address these concerns promptly and provide me with a clear path forward to correct these inaccuracies on my credit report.
Consumer complaint received 2024-07-05
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. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year>, XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year> & XXXX Date of Inquiry XX/XX/year>
Consumer complaint received 2024-07-05
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)

The account name : XXXX XXXX the Amount of {$1000.00} has attempted to collect a debt that is not mines. 

I have asked Experian to provide a method of verification but I have not yet to receive my method of verification 's. 

Under the 15 U.S. C CODE1681 ( b ) and 1681c-2 I never gave a written consent to report accounts that are identity theft. 

I have attached my FTC report stating these accounts were open by fraud and made a police report as well.
Consumer complaint received 2024-07-05
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. (AL)

My account with 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 in 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 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 2023-05-22
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: SANTANDER HOLDINGS USA, INC. (NC)

I took out an auto loan through Chrysler Capital in XX/XX/XXXX. I have paid monthly installments ( {$350.00} ) over the last 4 years and on XX/XX/XXXX I sent my final installment via a guaranteed cashiers cheque to settle my auto loan to the value of {$13.00} XXXX. My balance was due on the XX/XX/XXXX The cheque was sent via registered mail and as a result I received confirmation that the check had been received and signed for. 

on XX/XX/XXXX I called to follow up on my payment, a Chrysler Capital customer services agent informed me that they had lost the cheque and requested that I send the front and back of the cheque as well as the confirmation of delivery. This information was sent on 3 separate occasions and I have called weekly to follow up on the status of my payment. 

on XX/XX/XXXX I received a letter in the post dated XX/XX/XXXX stating that I need to return my vehicle to the dealership as I have not settled my auto loan, it outlined that I need to return the vehicle within 10 days of the date of the letter ( XX/XX/XXXX ) to avoid my vehicle being repossessed On the XX/XX/XXXX I called Chrysler Capital to follow up on the letter as I wanted to outline that my check was in query. I was assured that there were notes within the system outlining that they were in the process of locating my check furthermore they requested that I resend a copy of my check via fax once more to stop further action from being taken. They also outlined that it would take 24 - 48 hours for my fax to be available for their view on my file. this was outlined each time I sent a fax on the XX/XX/XXXX I called as a follow up to ensure once more that they had received proof of my check as well as proof of the check being delivered however this time after having sent them the information three times they outlined that the information that they had requested three times prior was in fact not sufficient enough. 

they outlined that I need to contact the bank to determine in Chrysler Capital had endorsed the check, I followed up with my bank who outlined that due to the funds being in Chrysler Capitals name, and technically not in my account they could not provide me with that information. They outlined that 90 days would need to lapse from the date of the check being issued to provide any information about a potential endorsement or reissue. for all intents and purpose the funds are in Chrysler Capitals name and in the instance they have lost the check, they would need to declare that to the bank for the release of the funds available to them. 

I currently have received notice based on the letter that if they have not yet located or cleared my check and I have not yet returned my vehicle that they will recover my debt by means of repossessing my vehicle despite having sent a check and issued payment at my end.
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX The information listed below, that is currently listed on my credit report is a result of thaXXXX XXXX  Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXXXXXX XXXX XXXXXXXX, GA, XXXX Employer - XXXXXXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, AL, XXXX Incorrect Name : - XXXX XXXX Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, AL, XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX IN PERSONS OR XXXX XXXXXXXX XXXX. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX XXXX XXXX XXXXXXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX XXXX REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

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

Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX ( CLOSED ) XXXX Account Name : XXXX XXXX  Account Name : XXXX XXXX XXXX ( CLOSED ) XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX 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 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently reviewed my credit report and noticed an account that was not reporting accurately! I had 2 Late payments on an account XXXX that it was in fact paid on time. The consumer reporting agency need to report all information with complete accuracy. this account has not been late on payments. I have attached a copy of my report to this complaint on the following dates XXXX XXXX and XXXX XXXX I am now requesting you invetigate the account and update this payments to on time immediately thank you for your understanding
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

My account with 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 in 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 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