davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-18
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. (NE)

My account with XXXX XXXX XXXX, XXXX XXXX was never late! I have had exceptional payment history with 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 those accounts 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 XXXX ( 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 2024-06-18
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)

PLEASE BLOCKED AND REMOVED I want to stress that I did not authorize these accounts, and their existence is causing me significant distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued.
Consumer complaint received 2024-06-14
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. (MI)

Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer
Consumer complaint received 2024-06-18
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. (CA)

Account # XXXX This complaint is a REBUTTAL to a response from XXXX XXXX XXXX  dated XX/XX/year> regarding a dispute on the above account & also previous disputes regarding this account. 

You've responded to my previous DISPUTES with a statement stating that you have reported accurate information to the credit bureaus. First of all I have never asked if you are reporting accurate information! The LAW in 15 U.S.C. 1681a ( d ) ( 2 ) ( a ) ( 1 ) is very SPECIFIC. You are reporting a transaction or transactions on this account that CONGRESS defined in the consumer report where TRANSACTIONS or EXPERIENCES are NOT included in the consumer report. I never asked about ACCURACY, please stop providing me with information I did not ask for. 

''15 U.S.C. 1681a ( d ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; " This is a specific section of the LAW that speaks SPECIFICALLY that TRANSACTIONS or EXPERIENCES between the CONSUMER ( I, XXXX XXXX ) and XXXX XXXX XXXX are NOT included on the CONSUMER REPORT. Maybe you will need to re-read this section of the LAW or send this over to your legal department immediately. 

" 15 U.S.C. 1681n ( a ) In general. Any person ( CORPORATION ) who willfully fails to comply with any REQUIREMENT imposed under this title with respect to any CONSUMER is liable to that consumer in an amount equal to the sum of " - XXXX XXXX XXXX is a CORPORATION -15 U.S.C 1681a ( d ) ( 2 ) ( a ) ( 1 ) is a REQUIREMENT This is my FINAL dispute/rebuttal or letter of communication regarding this matter. If you persist to report information on my consumer report that is NOT included in my consumer report based on the guidelines of the FCRA, I will have no choice but to SUE you under section 1681n for CIVIL LIABILITY for WILLFUL NON COMPLIANCE. 

I DO NOT CONSENT TO THE REPORTING OF SUCH UNLAWFUL INFORMATION TO MY CONSUMER REPORT
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. (WA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (ID)

I am writing to file a formal complaint against XXXX XXXX XXXX XXXX, XXXX XXXX, and Experian XXXX XXXX Assistance XXXX. These XXXX credit reporting agencies have failed to rectify an inaccurate bankruptcy entry on my credit report, despite clear evidence of its inaccuracy and non-compliance with the Fair Credit Reporting Act ( FCRA ). 

Despite my repeated attempts to dispute the inclusion of this bankruptcy on my credit report, XXXX, XXXX, and Experian have each responded by claiming to have verified the accuracy of the bankruptcy through XXXX. 

However, my extensive research clearly indicates that the bankruptcy in question has not been present on XXXX 's report for several months. As a result, the continued reporting of this bankruptcy on my credit report is both misleading and detrimental to my creditworthiness. 

I have also sent each credit bureau XXXX XXXX XXXX, citing the FCRA and providing evidence of the bankruptcy 's absence from XXXX 's report. However, they have not taken any appropriate action to investigate or correct the inaccuracy within the required XXXX timeframe. 

This failure to comply with the FCRA has caused significant distress and harm to my financial well-being, as I have been denied access to credit opportunities and subjected to higher interest rates due to this erroneous bankruptcy entry.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This creditor KING OF CREDIT FINANCIAL is constantly putting back unverified on authorize remarks to my credit report, & the reporting agency XXXX XXXX keeps reporting false information which has brong my credit report down XXXX points in one day, I am looking for legal actions because this has been going on for about three months and when I contact them theres no resolution they just tell me they have to report whatever the creditor reports to them and then when I contact the creditor they never respond
Consumer complaint received 2024-06-25
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. (IL)

Noticed a collections account listed on my credit report that is under XXXX XXXX XXXX. They would not tell me who the original creditor is. They asked me to pay a dollar to get a free credit report. This makes no sense, Ive never had a legitimate business do this. They asked for my personal info but still would not give me info on who the original creditor was to this account and insisted I pay the {$1.00} fee to get access to my credit report to have this item removed and asked for my credit card information. They were unable to provide me with account information to verify this account belonged to me and I do not recognize this account. It seems to be fraud or a scam.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

I am writing to express my frustration and concern regarding the ongoing issue of fraudulent items on my account. Despite this previous attempts to resolve this matter, the fraudulent items remain unaddressed. Please prioritize the removal of these items from my account and take necessary measures to prevent such incidents in the future. I would appreciate your prompt attention to this matter. These are the following fraud items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AZ XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX
Consumer complaint received 2024-06-18
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)

When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I contacted USBK Court Northern Georgia who says they don't report information to credit bureaus nor do they find any information regarding myself. I contacted Trans Union in regards to this information, but yet it still remains on my credit file inaccurately. I asked that it be removed on several occasions to no avail.
Consumer complaint received 2023-06-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (CO)

National Credit systems nor the original creditor XXXX XXXX XXXX  ever sent me anything in the mail in regards to this debt. I never knew about these alleged charges until they appeared on my credit report. National Credit systems won't investigate this debt thoroughly. The supposed Itemized list sent to the collection agency was never given to me nor was I ever aware or notified of a balance owed. I did not get the opportunity to speak with the original creditor about this alleged debt or why I was being charged anything. I never got the chance to dispute this with the original creditor or even try to go to court for this alleged debt. I never received any pictures documents etc before it just appeared on my credit report. Had I have not tried to dispute this information I would have never knew it was allegedly owed. The original creditor XXXX XXXX XXXX  had my forwarding address email as well as my phone number. And they never tried to get in contact with me for this alleged debt so that I can try to pay it off or dispute it directly with them. Before we'll rain from this unit. I was required to fill out a notice with my forwarding address as well as email and phone number. So they do have those documents on file. National credit systems just keep sending an itemized list provided by the original creditor however, as I stated before, I was never given that information. It has also been passed the time frame in which this debt can be collected via the Colorado security deposit law. Overall had I have known about this debt before hand I could've had a better opportunity to get a handle on it.
Consumer complaint received 2024-07-11
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: EQUIFAX, INC. (FL)

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 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 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (IN)

I have been receiving calls from Credence for months. They use different numbers but have never sent me anything in the mail. I would respond to a letter but I am not going to give personal information over the phone or even pickup a call when I'm at work. 
This is a list of the phone calls by phone number and the dates. There are more but I deleted them. 
XXXX XX/XX/year> XX/XX/year> XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Consumer complaint received 2024-06-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

This happened with Bank of America. I had about XXXX in my checking account. I setup a autopay for credit card from checking account for XXXX. I was charged twice for autopay. So my balance became XXXX. Now since the daily balance is below XXXX, i was charged a monthly fee of {$12.00}. The bank then returned the XXXX they debited by mistake from bank 's end. 
I contacted the bank multiple times and they said they will look into it but i never got my money back.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (CA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.
Consumer complaint received 2024-06-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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 2024-06-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX  XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-18
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (NV)

I was shocked to receive an alert from XXXX stating that my scores had plummeted from over a XXXX down to the low XXXX. 
I reviewed my report and saw that my brand new lease with Toyota Motor had reported my account past due. I was perplexed because I knew my account had been set up on automatic payments and there is always plenty of money in my account for recurring payments. 
I immediately contacted Toyota Motor Finance, paid whatever balance they stated was owed, and began the process of unraveling why Toyota had reported me late and why I had not received any dunning letters, calls, or emails. 
As I continued my investigation, I discovered that whoever did the paperwork at the dealership had entered an incorrect phone number and email address on my file! 
I also discovered that the post office had stopped delivering mail to the address Toyota had on file due to there being a dog at the residence and the post office didn't inform me of this change until months later! 
It appears that I am a victim of other people 's mistakes, and I don't think that it is fair that my credit has to suffer and potentially be impacted for the next 7 years because someone at Toyota didn't do their job properly!
Consumer complaint received 2024-06-18
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. (MA)

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 Account # : 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. 16815-2 ( 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. I request these accounts be deleted off my consumer report.
Consumer complaint received 2024-07-11
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. (GA)

I appreciate your efforts to help me to correct the previously reported misleading information on my credit file. However, I am not satisfied that you have fully complied with the guidelines of the Fair Credit Reporting Act ( FCRA ) in conducting this examination. I believe that further action is required to ensure maximum possible accuracy on my credit file. Please help me check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was paid as Agreed and I never missed a payment. If your investigation can not confirm the validity of the account 's information, I believe this indicates it is inaccurate. Additionally, I request a description of the procedure used to determine the accuracy and completeness of the information. Therefore, I am requesting another investigation with you of the account detailed below. 
XXXX XXXX XXXX XXXX : {$3300.00} - Please correct this immediately