davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-18
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. (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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 2023-05-18
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. (TX)

In accordance with Fair Credit Reporting Act, XXXX Account XXXX XXXX account number XXXX ( {$5800.00} ), Has violated my rights. 15 U.S.C. 1681 section 602 ( a ) : states I have a right to privacy. 15 U.S.C. 1681 section 604 ( a ) 2 : states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-05-18
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. (IN)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX  account ( Account Number : XXXX XXXX ) Thank you for your previous response on XX/XX/2023 for the above account, however I am still in disagreement with the results of the investigation into the inaccurate items reporting on my credit file. I have yet to receive any verification or documentation proving that my payment history is being reported accurately, specifically in regard to the late payment. As per the Fair Credit Reporting Act ( FCRA ), it is your responsibility to investigate any dispute I bring to your attention and to correct any inaccurate information on my credit report. The FCRA requires that you provide me with the results of your investigation in writing, including a description of the nature and substance of the information received from the original source, and a notation that the information is being disputed. I would also like to bring to your attention that the late payments that have been reported on my credit report are in violation of 15 USC 1666 b. This law requires that creditors report accurate and complete information to the credit reporting agencies. Additionally, under the FCRA, you must provide me with all relevant information used in reaching the conclusion of the investigation, including any documentation or verification from the original source. This is to ensure that I have the opportunity to review the information and determine if it is accurate. Given the provisions of the FCRA, I expect that you will have no choice but to update my payment history to current and my status to paid as agreed and never late. I look forward to your prompt resolution of this matter.
Consumer complaint received 2023-05-18
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: EQUIFAX, INC. (MO)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

On XX/XX/2023 I received a copy of my credit report from XXXX, Equifax and XXXX. After receiving my report, I noticed that there were inaccuracies on some of my accounts. I sent letters to XXXX, Equifax and XXXX on XX/XX/2023 asking them to investigate the accounts and ensure that they are 100 % accurate ( see attached documents for tracking numbers and letters ). Equifax received my letter on XX/XX/2023 at XXXX. XXXX received my letter on XX/XX/2023 at XXXX. XXXX received my letter on XX/XX/2023 at XXXX. I received letters back from Equifax and XXXX showing that they had completed their investigations into the accounts. I did not receive a letter back from XXXX. I received a new copy of my credit report from XXXX, Equifax and XXXX on XX/XX/2023. This is 30 days after my letters were received. Upon looking at my reports, I noticed that there were still inaccuracies. 

On XX/XX/2023 I submitted a complaint to the CFPB about the inaccuracies. Experian Complaint ID is XXXX. Equifax Complaint ID is XXXX. XXXX Complaint ID is XXXX. XXXX Responded on XX/XX/2023. Equifax Responded on XX/XX/2023. XXXX Responded on On XX/XX/2023 I pulled new copies of my credit reports AND THERE ARE STILL INACCURACIES. This will be my THIRD TIME trying to resolve these issues. I do not understand why I am being pushed around by the credit bureaus. I do not understand how the credit Bureaus are able to tell me that ALL INFORMATION IS CORRECT, but report completely different information! This is my last time trying to resolve this issue before seeking financial compensation FOR EACH INACCURACY. 

According to the FCRA a credit reporting agency 's role in a dispute is to review accuracy and completeness of any disputed item. PLEASE EXPLAIN WHY THERE ARE STILL INACCURACIES BEING REPORTED IF YOU ACTUALLY REVIEWED MY DISPUTE! 

On XXXX XXXX XXXX XXXX Account Number : XXXX or XXXX, Worst delinquency is inaccurate. Payment history is inaccurate. Derogatory events is inaccurate. Closed date is inaccurate. Last activity is inaccurate. High balance is inaccurate.
Consumer complaint received 2024-09-13
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)

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

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

I demand the late payment reported to be removed.

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

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

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

Delete the late payments from my consumer reports
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2023-06-26
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Westlake Services, LLC (CA)

Called many times hung up on I paid off my vehicle loan before it was due. Never late. Paid double payments. 
Negative late payments on credit reports Never late Over 7 years XX/XX/
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following account has been paid but XXXX has been reported as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXREPORTED AS CHARGE OFF UNPAID. 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ideal Collection Services, Inc. (FL)

On XX/XX/, I received a letter from Ideal Collection Services ( Ideal ) alleging that I owed {$710.00} to XXXX XXXX Apartments ( XXXX XXXX ), which I had moved out of nearly a year prior. 

On XX/XX/XXXX I sent a letter to Ideal disputing their claim and advising them that XXXX XXXX had failed to comply with Florida Statute 83.49 ( 3 ) when they did not send notice to me of their intention to impose a claim for damages against my security deposit within thirty days of the end of my tenancy. Per Florida Statute 83.49 ( 3 ) ( a ), their failure to comply with said requirement precludes them from pursuing a claim for damages unless they first return the full security deposit to me. To date, neither Ideal nor XXXX XXXX  has returned my security deposit to me, despite being informed of my new address upon the end of my tenancy and having set up mail forwarding with the United States Postal Service. 

On XX/XX/XXXX, I received a letter from XXXX XXXX, Manager for Ideal Collection Services. XXXX XXXX letter included documents and pictures, but at no point did she address her clients failure to comply with the Florida Statute. XXXX XXXX letter went on to state that if I did not begin making partial payments by XX/XX/XXXX, she would forward my account to the national credit bureaus. 

While I have engaged in good faith dealing with both XXXX XXXX and Ideal, I am not receiving the same treatment in return. XXXX XXXX XX/XX/XXXX letter appears to be a clear attempt at coercing me into paying a claim that they do not have the legal right to collect under threat of damage to my creditworthiness. 

My preferred solution is for Ideal and XXXX XXXX to drop their claim against me and allow an amicable end to our business relationship. However, if XXXX XXXX/Ideal wish to pursue their claim against me, I demand that they return my {$250.00} security deposit before doing so, as required by Florida Statute .
Consumer complaint received 2023-04-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC (FL)

After reviewing my credit report and doing some research l 've noticed that as a consumer my rights are violated by your company. Please take the time out and fix these issues.

In violation of FCRA 15 US Code 1681b ( a ) ( 1 ) ( 2 ) permissible purpose In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

In accordance with the written instructions of the consumer to whom it relates.

Violation number # 2 FCRA 15 US Code 1681a ( 2 ) ( B ) Violation number # 3 FCRA 15 US CODE 1681e ( b ) Violation number # 4 FCRA 15 US CODE 1681a ( 2 ) ( A ) ( i ) This Is a violation of the FCRA and Is also in violation of requisite METRO 2 Compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CR5A enacted CDIA XXXX XXXX COMPLIANCE regulations. This letter will ALSO be sent to CFPB, FTC, XXXX PLEASE REPLY IN A TIMELY MANNER WITHIN 30 DAYS THANKS. Also a past due balance is reporting how can it be in collections reporting a past due amount inaccurate.
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AR)

As I investigated my credit report, I found out that some of the information was erroneous.The XXXX credit bureaus are required to authenticate these accounts under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ), please investigate the unverifiable accounts I mentioned : XXXX XXXX Balance Owed : {$2000.00} ; XXXX XXXX Balance Owed : {$2000.00}.
Consumer complaint received 2023-05-19
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: Zions Debt Holdings (MD)

Some used my name to open up account that aren't mine and do not match my address, phone number, or even the state I live in. Please note My suffix is Sr. I tried to contact the company but they say my information doesn't match and they can't pull up the account but it's showing up on my credit report.
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person .... In the recent investigation brought upon XXXX, I found that my consumer file is being irresponsibly tampered with. Over the past 6-12 months I made several attempts remind them of there duty pursuant 15 USC 1681. I feel they are intentionally and willfully being neglectful in my request. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my consumer report based on Federal law. This is another attempt to have these errors corrected. 15 USC 1681i ( A.5 ) states after the reinvestigations all of the unverified information must be promptly removed and blocked.
Consumer complaint received 2023-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (NY)

My original complaint which photo will be attached i was told by the Board of governors of the federal reserve to submit my complaint here. I am writing in concern to an assessment due on CFO XXXX XXXX of AMERICAN EXPRESS COMPANY XXXX XXXX XXXX, XXXX XXXX XXXXXXXX for breach of fiduciary obligations. I have written the CFO three times in relation to adverse action on my credit card account and he has consistently ignored my letters. I would like for review and for resolution.This egregious error by CFO XXXX XXXX has held me from performance of the contract in which I have a secured interest. I would like for him to properly do his job so I can do mine. If I am unable to get resolution in 10 business days I will take action to court for breach of contract. Attached will be a photocopies of the documents sent mail with tracking numbers & signature as proof of delivery to his office. Some photos reference previous letters tracking number
Consumer complaint received 2023-05-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Neon Newco Corporation (OH)

On XX/XX/2023 I received in the mail a prepaid card with my XXXX XXXX XXXX sons name on it. Mailed to our home. The company was Netspend. I called the customer service of this company to close the account and find out how they received my minor childs name and address. To which I was told they needed to speak with the account holder. My XXXX  son. I told her that she would not be speaking with him. That he was a minor child. That I am his guardian. I gave the customer service representative my name and address. As well as the card number to verify who I was. And reiterated that I did not order a card in his name. She refused to close the account without speaking with him. Stating that they have many minors with accounts. That I needed to check things on my end because someone ordered this card for him. I became very upset at this point. Telling her that obviously someone ordered this card and I wanted to know what information they had and how they obtained it. She then again refused my request without first speaking to my XXXX XXXX XXXX son whom she referred to as the account holder. I then asked to speak with a supervisor. I was placed on hold for forty minutes. Then transferred back to the automated menu options. Still with no answers as to how they received my sons information or what personal information they had about him. I have also sent an email to their customer service.
Consumer complaint received 2023-04-24
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: Nelnet, Inc. (CA)

The response you sent is not sufficient for evidence that a clear and conspicuous disclosure was given to the consumer about reporting to third party CRA 's. According to 15 USC 6802 ( b ) you are required to provide a clear and conspicuous disclosure to the consumer of your intention to share private information with a third party. In addition to this an option for the consumer to opt-out must be provided. Based on the documentation you have provided, neither of these things was provided. In addition to this you have not provided a wet signature contract signed by the consumer. Please review the letter submitted again because what was asked for was not received.
Consumer complaint received 2023-05-18
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. (NC)

Transunion is reporting fraudulent accounts on my consumer report. XXXX and XXXX have removed these fraudulent items but Transunion has not and continues to report inaccurate/fraudulent accounts. These accounts need to be removed immediately as Transunion is in violation of numerous consumer reporting laws.