davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-09-24
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)

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 2021-02-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: BOEING EMPLOYEES CREDIT UNION (WA)

Boeing Employee Credit Union Home Equity Loan Account Number XXXX Subject Property : XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX In XX/XX/XXXX I started a refinance transaction on the subject property through XXXX XXXX XXXX in XXXX, WA that include paying off the 1st mortgage and this BECU home equity loan. 

In XXXX I was informed by my XXXX  loan officer that the refinance would not close until XXXX and I was advised to make my XX/XX/XXXX payment on the BECU home equity account. 

On XX/XX/XXXX I made a payment through the BECU bill pay service in the amount of {$220.00}. 

After making this payment, I received notice from BECU that the XXXX payment on the home equity loan has still due. I then contacted BECU customer service for assistance and provided documentation showing I had made the XXXX payment. 

BECU customer service informed me that I had submitted the home equity payment to their 3rd party mortgage loan servicer XXXX. BECU customer service did not offer me any assistance on getting the payment applied to the correct loan or information on how to get the money returned from XXXX. 

The {$220.00} was finally returned to me by direct deposit from BECU to my checking account on XX/XX/XXXX. There was no explanation provided by BECU on the delay in returning these funds, or why it never got posted to the correct account. 

The BECU home equity was paid in full at close of escrow on XX/XX/XXXX. 

I am now in the process of obtaining an additional mortgage loan with XXXX XXXX XXXX which is how I learned that BECU is reporting this home equity account as 30-days past due.

The credit report showing the 30-day past due was obtained by XXXX XXXX XXXX on XX/XX/XXXX. 

An attempt was made through XXXX XXXX XXXX credit report company, XXXX XXXX, to get BECU to correct the 30-day past due on my credit report and a conference call was made on Friday, XX/XX/XXXX to BECU with XXXX XXXX, my XXXX  loan officer and myself participating in the call. 

BECU is refusing to acknowledge the attempt I made in XXXX to make the payment on my home equity loan, is blaming this on me as a customer error and has refused to take any action to remove the 30-day past due on this account. 

My intent to keep the BECU home equity payments up-to-date until the loan was paid off is clear, and there has been no malice or neglect on my part on keeping up with my payment obligations. 

The 30-day past due reporting by BECU is creating an undue financial burden by lowering my credit scores to a level that will add significant cost to any mortgage transaction I attempt to make now, or in the future. 

Based on the inactions and poor customer service of BECU I was forced to make a formal dispute with each credit bureau in order to get the past due reporting status removed from this BECU home equity account and from my credit report. 

My goal now is to prevent BECU from reporting this account as past due in the future. 

Respectfully, XXXX XXXX XXXX
Consumer complaint received 2024-08-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. ()

Dear Sirs We are based in XXXX and doing import and export business. 
We sent XXXX to XXXX XXXX supplier in XXXX XXXX thru citi bank XXXX because supplier has account with citi bank XXXX. 
When supplier didnot ship our goods we suspected something wrong and we asked supplier to refund our payment of XXXX. 
They gave us agreement stating they will refund the money. 
We waiting XXXX month supplier said citibank XXXX is blocking the money. 
We contacted citibank XXXX they said we should send them recall swift messege thru our bank in XXXX. 
We did obtain recall swift messege from bank of XXXX and sent to citibank XXXX. 
Citibank XXXX giving excuses since XXXX month. 
Kindly look into this matter quite serious. 
Citibank XXXX protecting XXXX scammer but not helping us. 
We have all the documents to submit to you. Kindly take action and help us to get our payment. 

Best Regards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-26
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. (AZ)

My account with XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX 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 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 months that are reported late 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 2024-08-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MI)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Weltman, Weinberg & Reis Co., L.P.A. (TN)

My purse was stolen with my credit cards and socials security during my sons football game. I contacted the police department immediately. Weeks later I found out someone had been using my card some how putting me in debt of XXXX. The bank let me know they put a check in my account that bounced somehow.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I greatly value the relationship I have with the following creditors and have consistently made on-time payments forsuch a long time.This isolated incident does not reflect my overall commitment to honoring my financial obligations, and I have since taken steps to ensure this will not happen again. 

Given my otherwise positive payment history, I kindly request that you consider removing this late payment from my credit report as a goodwill gesture. I believe this adjustment would better reflect my responsible credit behavior and would help improve my credit standing.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Several dispute requests have been sent to XXXX, XXXX, and Experian with no responses at all. The Credit Bureaus are not processing these disputes at all. Every time, I send out dispute requests they are not investigating them at all. 

PLEASE CONSIDER THIS LETTER AS AN INITIAL COMMUNICATION DEMANDING ANY EVIDENCE OF MY OBLIGATION TO THE ABOVEMENTIONED ACCOUNTS. AS A REMINDER, ANY ACCOUNT THAT YOU CONTINUE TO REPORT WITHOUT BEING ABLE TO VALIDATE IS A DIRECT VIOLATION OF MY RIGHTS LISTED THROUGH THE FDCPA AND FCRA BOTH TOGETHER AND SEPARATE. 

My disputes are attached to my complaint, and I want all of them disputed with Experian, XXXX and XXXX and I also want to know the method of validation. 

Thank You,
Consumer complaint received 2024-06-26
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. (GA)

I would like to bring to your attention that I have sent multiple letters requesting this information, none of which were answered within the legally specified timeframe. This continued non-compliance is not only frustrating but also a violation of federal law. Your failure to respond appropriately within the specified period has left me with no choice but to seek resolution or remedy through alternative means to which I am legally entitled. This is a formal request under the FCRA, and I anticipate a response within two weeks. Non-compliance with this request within the specified timeframe will be regarded as a violation of federal law, necessitating further action, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal recourse.

I appreciate your prompt attention to this urgent matter and look forward to receiving a detailed method of verification for the disputed item ( s ) at your earliest convenience. 


Thank you for your cooperation. 

Sincerely,
Consumer complaint received 2024-08-08
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)

I am reaching out for your assistance about this incorrect account appearing on my credit report. I have highlighted this issue because it has damaged my reputation, and I require your help. Your poor handling of my credit report left me struggling because your false reporting ruined my reputation. You need to remove these mistakes so I can live comfortably with my family.
Consumer complaint received 2024-06-26
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. (UT)

I've disputed with all three agencies about these fraudulent addresses and I'm meet with refusal for addresses I never lived at! I dont receive no corresponding mail at either addresses. If any mail is going to these addresses that's reasons for anyone to cause malicious to me and my creditworthiness. TransUnion, XXXX, XXXX, dont have rights to tell me afraudulent addresses can't be removed off my credit report when I never lived there. This is a violation of my consumer rights. 18 U.S.C. 1028A : Aggravated identity theft, 15 U.S.C. 1681e ( b ) : Compliance procedures The following addresses that are reporting from TransUnion, XXXX, XXXX are listed below : Address XXXXXXXX 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 These are fraudulent addresses and I don't live at any of these addresses
Consumer complaint received 2024-06-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I want to XXXX that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-06-26
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. (AZ)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-09-25
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX  - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I dont recognize any of the hard inquiries on my credit report only recent ones i know of is for XXXX  on and for XXXX XXXX XXXX in. The last week, also a dismissed chapter XXXX bk from Illinois that isnt suppose to be on because never finished and reported incorrectly
Consumer complaint received 2024-06-26
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)

I am writing to you regarding discrepancies on my credit report that I believe are the result of unauthorized use of my social security number and card. Upon reviewing my credit report, I have identified several inquiries and accounts that I did not authorize, nor do they pertain to any activity that I have engaged in. I am unaware of any such activity associated with my name. 

I am formally requesting the deletion of these unauthorized items from my credit report. It is imperative that these inaccuracies are rectified as soon as possible, as they are having a detrimental effect on my creditworthiness. 

Please consider this letter as my third attempt to resolve this matter. I urge you to take immediate action to investigate and remove these discrepancies from my credit report. I am willing to cooperate fully with any investigation conducted by your organization or by the Federal Trade Commission ( FTC ) to resolve this issue promptly.
Consumer complaint received 2024-07-29
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (MN)

I want to receive pre-approved offers for credit cards and loans from Goldman Sachs via XXXX XXXX, XXXX Mail or email. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/year>, XXXX : XXXX
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.