davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Checkr, Inc (AR)

We received a bill from XXXX XXXX XXXX requesting payment for a debt that CHECKR INC had turned over to them. When I spoke to XXXX XXXX with that company. I informed her that it was not my company 's debt and that we had never requested services from CHECKR. The invoices she sent me began XXXX and went through XXXX. 2024. The contact name that was on the statement was a person that had not been with my company for over XXXX years, was a contract worker, and had no authority to authorize services. I am still waiting on a copy of the contract. In the mean time I tried to call CHECKR INC., there was a recording that said to contact their support team through email. I did and was I asked was I sure the bill was from them. I was sending them the copies of the invoices within XXXX minutes and I received an email saying the support email address was no longer monitored and to start over. 

XXXX XXXX XXXX bill is for {$1000.00} dated XXXX
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2023-09-26
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. (TX)

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 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 2023-09-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.
Consumer complaint received 2024-10-25
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 XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA, XXXX
Consumer complaint received 2024-09-11
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: PNC Bank N.A. (PA)

I called PNC XXXX Card Services on XXXX XXXXXX/XX/XXXX to let them know that I wound get paid until the XXXX ( due date is the XXXX ) ask them can they waive my late fee. I was advised when I made the payment to call back. I made the payment & I called back & they never waived the fee. Now my minimum due is {$130.00} & that's is not normally I have called got laughed at and hung up on. Please assist if you can. Thank You for your time.
Consumer complaint received 2024-10-25
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. (IL)

These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed.. thanks hard inquiry 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 2024-10-25
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)

When I checked my credit report this morning, I was stunned to find inaccurate accounts on it, and I cant figure out how they got there. I always check my report, and nothing like this has ever happened. I refreshed my browser, thinking it was a glitch, but the accounts were still there. I need the documents I submitted to be carefully reviewed so that this situation doesnt keep haunting me.
Consumer complaint received 2023-07-18
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. (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. 

Account Name : XXXX XXXX  Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX has violated my rights. Or list of inquiries 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 2023-09-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

They have failed to report the on time pay history for the months of XXXX XXXX XXXX XXXX XXXX, even after I have made numerous phone calls to rectify the problem. After my 3rd request, they when in an reported XXXX 's payment and still dint report the month 's preceding that payment. They were all to quick to report the debt, and charge 19 % interest, while they neglectfully negate the reporting the timely payments thereof. My credit score is suffering severely as a direct result in the holes of this pay history.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

My account with this company 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.

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

I have requested proof that this information was mailed or delivered 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 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (OH)

I have been unable to obtain my free Experian credit report through XXXX for over a year. I have had to purchase a XXXX membership through Experian to obtain my Experian credit report. According to Federal Law, I should be able to obtain a free credit report weekly. I am able to obtain a free weekly credit report from XXXX and XXXX through XXXX ; however, due to an " error '' in the Experian website, I am not able to obtain my Experian Credit Report.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

They have failed to report the on time pay history for the months of XXXX, XXXX & XX/XX/2023, even after I have made numerous phone calls to rectify the problem. After my 3rd request, they when in an reported XXXX 's payment and still dint report the month 's preceding that payment. They were all to quick to report the debt, and charge 19 % interest, while they neglectfully negate the reporting the timely payments thereof. My credit score is suffering severely as a direct result in the holes of this pay history.
Consumer complaint received 2024-10-25
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)

XX/XX/2024 Subject : Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am filing a formal complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX with XXXX XXXX. 
Despite multiple requests for correction through letters dated XX/XX/2024 and XX/XX/2024, my disputes have been ignored or mishandled. This ongoing issue represents a violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations According to 15 U.S. Code 1681i, credit reporting agencies must ensure the accuracy of information in consumer files. In my case, this requirement has not been upheld, as the inaccurate late payment reporting has persisted across multiple disputes.

Additionally, under 15 U.S. Code 1666b, creditors must send periodic statements at least 21 days before the payment due date. The inaccurate reporting of late payments suggests a failure to comply with this requirement, contributing to the errors on my credit report.

TILA Violations The Truth in Lending Act ( TILA ) emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has harmed my creditworthiness and violated these provisions. 
Protection Against Non-Payment of Obligations Act ( PAANL ) Furthermore, under the Protection Against Non-Payment of Obligations Act ( PAANL ), creditors are responsible for providing timely statements to prevent unfair penalties to consumers. The errors in late payment reporting on my account indicate that this obligation has not been met, resulting in undue damage to my credit score. 
Pattern of Non-Compliance The persistent late payment errors across XXXX, Experian, and XXXX demonstrate a pattern of inaccurate reporting, causing undue harm to my credit score despite my previous disputes. 
I formally request that the incorrect late payment notations be removed from my credit report immediately, and that the account status be corrected across all three credit bureaus. Failure to address these inaccuracies will result in further escalation, including legal action and additional complaints to relevant regulatory agencies. 
Desired Resolution : Immediate removal of the late payment notation from my credit report. 
Written confirmation of the correction. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-09-26
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. (NV)

Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.
Consumer complaint received 2024-10-03
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: EQUIFAX, INC. (FL)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-26
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. (MA)

XXXX Account Number : XXXX - Please delete because of inaccuracy since the dates last activity is shown differently on the report ; XXXX shows XX/XX/2022, XXXX claims it was XX/XX/2022 while Equifax reports XX/XX/2022. Additionally, this charge-off account shows a {$440.00} balance. The balance should not be reported after it was a charge-off. This is clearly inaccurate. As per 15 U.S. Code 1681e, consumer reporting agencies are required to take reasonable measures to ensure the highest level of accuracy possible when preparing consumer reports. This means you must employ proper procedures to minimize errors and ensure that the information pertaining to the individual in the report is as accurate as possible.
Consumer complaint received 2024-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA (AL)

On XX/XX/year>, First National Bank of Omaha ( FNBO - BP ) sent me a letter thanking me for my expedited payment. However, the letter stated that my bank said the account information I submitted was invalid. I submitted this payment on the FNBO phone automated system. I was issued a confirmation number and money was taken from my bank account. 

On XX/XX/year>, First National Bank of Omaha ( FNBO BP ) sent me another letter stating that my bank returned my payment and marked the account as no account found. I was charged a {$25.00} 'payment dishonored ' by FNBO XXXX 

What I don't understand is : 1. If the account I entered was invalid, why did FNBO issue me a confirmation number?

2. How was FNBO able to take the money from my account and put it back into my account if the account was invalid. 

This same issue happened earlier this year. I may be completely wrong, but I believe that FNBO does not want me to pay on my account early or pay the minimum payment plus the interest on my account because they are not able to make any money on my account if I continue to do this. Basically, I am being penalized for paying early and paying the minimum payment plus interest.
Consumer complaint received 2023-09-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

XXXX Account Number : XXXX - Please delete because of inaccuracy since the dates last activity is shown differently on the report ; Transunion shows XX/XX/2022, XXXX claims it was XX/XX/2022 while XXXX reports XX/XX/2022. Additionally, this charge-off account shows a {$440.00} balance. The balance should not be reported after it was a charge-off. This is clearly inaccurate. As per 15 U.S. Code 1681e, consumer reporting agencies are required to take reasonable measures to ensure the highest level of accuracy possible when preparing consumer reports. This means you must employ proper procedures to minimize errors and ensure that the information pertaining to the individual in the report is as accurate as possible.
Consumer complaint received 2024-09-23
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. (MO)

XXXX, Transunion and especially XXXX I've been filing disputes via online, over the phone and sending dispute letters since XXXX of XXXX, XXXX of XXXX, up to the present day of XX/XX/XXXX. Every time I filed disputes for inaccuracies like Charged off accounts which the company must file a 1099-C debt cancellation reporting it as income in the amounts of {$230.00} ( XXXX XXXX ) XXXX {$350.00} ( XXXX ) XXXX {$530.00} ( XXXX XXXX XXXX XXXX {$250.00} ( XXXX  ), {$280.00} ( XXXX XXXX ) which was a {$2000.00} secured card, {$450.00} XXXX XXXX XXXX XXXX  XXXX {$26000.00} was a breach of contract coercing me to sign the contract they way they wanted me to or else they wasn't going to sell me the vehicle knowing I needed one for my personal, family and household needs. And since the companies in question are reporting these charged off accounts as income they no longer should be on my credit report. and so the credit bureaus refuse to correct these errors as if they are deliberately ignoring my request. They never in the history of me filing disputes sent me verifiable and validated proof of any debts and will not even remove them one time in good faith. I've experienced severe financial hardships I suffered constant denial of credit because of this unresolved matter over the years of communicating with these bureaus Especially Experian. I've also requested them to remove non-mailable addresses from my credit report and they said they would but when I went back to check my report the address were still there, so they lied to me. That's why a question their motives, authenticity and what they stand to gain or lose by making these simple corrections on my report. It even got to a point where I wasn't allowed to dispute some inaccurate any further. I think they are engaging in unfair and deceptive practices and have violated my consumer rights time and time and time again. I've pointed out to them that they have violate the FCRA, FDCPA, ECOA and the CCPA and they seem to be unfazed by these violations. A few of these third party debt collectors I have absolutely no business or contract with. And I don't have the time to go back and forth with these bureaus. That's why I'm filing this complaint because I NEVER got ANYWHERE corresponding with these credit bureaus. I feel targeted and discriminated against. I also put the parties involved on expressed notice that I had a priority lien and beneficial security interest in the Debtors property including my Trade Name. They ignored everything I conveyed to them verbally and in writing. see attached.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NV)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.