davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

My account with XXXX was never late! I have had exceptional payment history with 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 XX/XX/year> to XX/XX/year> 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 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 2024-06-14
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. (MI)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-08-07
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. (AL)

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 XXXX 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 2023-11-06
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. (GA)

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

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 2024-07-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

On XX/XX/year>, I bought a lamp that was never deliver. I open a dispute immediately since that I have been month discussing the dispute with Citi bank because they resolved the issue on my behave but they continue to reverse the credit. {$1400.00} credit from XX/XX/XXXX was reversed again on XXXX. I will not pay for goods that were not delivered, especially since I have provided proof of this. I requested an audit to be sent to me a month ago, but I have yet to receive it. If Citicard affects my credit, I will escalate this matter further. This issue requires urgent attention. Despite calling every week, the audit promised by Citibank has not been sent to me. I am growing increasingly weary of this situation.
Consumer complaint received 2023-11-06
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: SYNCHRONY FINANCIAL (AZ)

Synchrony bank. Opened account with a {$100.00} opening balance. The account was placed on restriction. The restriction has not been lifted. The information needed to lift the restriction has not been provided. This has been going on for over 10 months. Notes on file say money will be returned to originating bank. This has not been done. No satisfactory information is being provided. I want to close the account and walk away.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CT)

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX  ), you may be liable for your willful non-compliance.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/XXXX of XXXX, I mailed a letter to XXXX, XXXX, and Transunion to update my personal information, removing old and unfamiliar addresses, employer information, and incorrect spellings of my name and to send me an updated credit report once completed. Neither reporting agency has followed through with my request which is a violation of 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2024-06-14
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. (MI)

Subject : Formal Notice of Multiple Unauthorized Credit Inquiries To : XXXX, XXXX, and Experian This serves as my Second Request in relation to the Unauthorized Inquiry mentioned herein, prior to commencing legal proceedings. 

I hereby assert that I did not provide consent to any entity to access my personal consumer information protected under the Fair Credit Reporting Act ( FCRA ). No permissible purpose has been established for the aforementioned inquiries. 

Pursuant to FCRA 616, titled " Civil liability for willful noncompliance '' [ 15 U.S.C. 1681n ], I bring to your attention the following provisions : Any individual who, under false pretenses or knowingly without a permissible purpose, obtains a consumer report from a consumer reporting agency shall be held liable for actual damages sustained by the consumer reporting agency or a sum of {$1000.00}, whichever amount is greater. 

Moreover, in accordance with the Fair Credit Reporting Act, 617, titled " Civil liability for negligent noncompliance '' [ 15 U.S.C. 1681o ], I wish to highlight the following : ( a ) In general, any individual who negligently fails to comply with any requirement imposed under this title with respect to any consumer shall be liable to the affected consumer for an amount equal to : ( 1 ) the actual damages incurred by the consumer as a result of the failure; and ( 2 ) in the event of a successful action to enforce this liability, the costs of the action, including reasonable attorney 's fees as determined by the court. 

I hereby request that you furnish evidence demonstrating that you possessed a permissible purpose to access my credit information. Failure to do so will necessitate the payment of {$1000.00} to the individual named in this correspondence. 

I anticipate a prompt and amicable resolution to this matter. However, should this not be the case, I shall be compelled to initiate legal proceedings against your respective entities. 

Yours sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-14
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. (NY)

I checked my credit profile and came across inquiries that do not belong to me. On XX/XX/year> I checked my report and noticed an inquiry from XXXX XXXX that i did not request. Date of inquiry XX/XX/year>
Consumer complaint received 2024-06-14
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. (GA)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-08-07
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 currently have two student loans in the amount of {$67000.00} and {$30000.00} which have been consolidated into XXXX loan for {$98000.00} by XXXX. Since XX/XX/2024, I have been going back and forth between XXXX and Experian, who is reporting my loan balance at a higher balance than what is owed. My credit report shows that I owe the combined amount of {$98000.00} and it is also reporting that I owe {$30000.00}. I have filed about XXXX or XXXX disputes with Experian to fix this. However, they continue to close my disputes without solving the issue or they say its an issue with XXXX despite me submitting documents of my balance as proof of my actual balance. I have also contacted XXXX to fix the issue, and they continue to blame Experian and not help me resolve the issue. This is affecting my credit report because Experian is stating I owe about XXXX more than what I owe.
Consumer complaint received 2024-06-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I have XXXX credit cards with bank of america. 

XXXX was opened in XXXX and has a very low balance. 

They have never added it to my online profile, and have never sent any statements or correspondence. 

Attempts to contact them are pointless as hold times on every single line is over XXXX minutes. Going to a local branch results in that banker having to call the same number and waiting XXXX minutes. 

They do not have any options to email, or chat with them. 

All I want to do is make a payment and have access to the account on the website so that I can monitor it and ensure it does not go delinquent. It is absurd that they are allowed to have constant hold times of XXXX minutes. If we were a developed country this would be regulated by the government to ensure that this does not happen.
Consumer complaint received 2024-06-14
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. (OH)

XXXX ( XXXX ) years ago on XX/XX/XXXX, I purchased my vehicle financed from XXXX, but on XX/XX/XXXX only over a month later, I had problem with engine light which was then turned off But no replacement, or repair offered, nor was warranty with regard to Federal Law Madison-Moss warranty Act. From XX/XX/XXXX - XXXX XX/XX/XXXX., I had to continually do repairs Then finally my vehicle broke down from XXXX XX/XX/XXXX. Amid XXXX XXXX pandemic I was given a forbearance, modification Deferred payment plan by XXXX But in XX/XX/XXXX, it was cancelled without noice, making all payments current again, then sent me a 120 days late notice. I was told to go to XXXX XXXX to pay {$400.00}. On XXXX.Even though, my vehicle did not run. So I made the payment. Then the following week XX/XX/XXXX. XXXX illegally repossessed my nonoperable vehicle. Then they closed then agreed to closed the account on XX/XX/XXXX and again on XX/XX/XXXX. I do not owe XXXX.
Consumer complaint received 2024-07-20
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. (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.

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 conv
ictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-14
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)

My account with XXXX XXXX XXXX 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 me 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. 


XXXX XXXX XXXX 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 2024-06-14
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)

My account with XXXXXXXX XXXX XXXX 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 me 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. 


XXXX XXXX XXXX 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 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

I am trying to obtain ELECTRICITY with XXXX XXXXXXXX and I was told Equifax had no information on my file. I've sent updated information as far back as a few months ago and I faxed over information on XX/XX/2022. Called back and was told I was fine, blocks were removed. Called XXXX XXXX  to get my utilities on and was told blocks are still in place. Called back to Equifax only to be told I needed to resubmit and they have XXXX business days. I don't have five days and I'll literally be in the dark because they're reporting me as unidentified. Although I can verify myself to speak with them but no one knows how to expedite a process that I didn't trigger or cause AFTER I've tried fixing it with them.
Consumer complaint received 2024-06-14
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. (IL)

PLEASE BLOCKED AND REMOVED.

The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Consumer complaint received 2024-08-07
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. (AL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.