davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY (NY)

My name is XXXX XXXX, i am the consumer as well as the only one with personal knowledge in connection with the transaction. This company named XXXX, XXXX and XXXX XXXX has been repeatedly contacting me acting as debt collectors and its unclear whether they even have a license to collect alleged debts. please provide your agency debt collection license number. and please show cause of your authority to contact me about these matters concerning this debt. 

This is yet another notice of dispute. i am not making any settlements until this alleged debt can be verified. until this alleged debt is verified, i refuse to pay this alleged debt. as a consumer i am entitled to receive the name and address of the original creditor, verification or a copy of a judgement for this alleged debt from the creditor. if your agency is unable to produce such documents, it is advised that your agency cease all communications immediately. 

it is advised that all verifications need to be in the form of oath or affirmation and placed under the penalty of perjury. 

RE File Number : XXXX
Consumer complaint received 2023-05-24
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-24
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: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Upon checking my credit reports i have found multiples errors and inaccuracies on my report. I have tried multiples disputes letters and phone calls trying to get this resolved and gotten pushed to the side saying that everything they report is accurate which it is not. I have multiples different spelling of my names, numbers on me that's not mines, a spouse that definitely does not belongs to me and lets not get started on the addresses that are on file. By law they are required to have correct and accurate information and they do not this have cause a lot of trials in my life with getting things done in my name.
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

I reported and disputed to Experian about an account XXXX XXXX XXXX account number XXXX of the inconsistency and that this account is not 100 % accurate as required by the Fair Credit Reporting Act. Dates are inconsistent, Type of the account, as well as the amount, I've downloaded proof of this in the CFPB portable and Experian has failed to look at the proof, that was submitted on XX/XX/XXXX complaint number XXXX. This account XXXX was reported as an ( Auto Loan ) which is incorrect the true account type is a ( Retail Purchase Agreement ). Through XXXX of XXXX. also the purchase date being reported is XX/XX/XXXX that is also invalid and is a violation with Fair Credit Reporting Act. The true date all documents was signed on is XX/XX/XXXX. The inconsistency and Experian failing to do a thorough investigation is a violation of my rights. Again I have downloaded proof of this matter through the CFPB portal and expect a fair investigation. NOTE : I've downloaded proof of Date the account was opened, Proof of the true Balance and amount Paid, Proof of original Contract from XXXX XXXX XXXX vin ending in XXXX stating type of Sale ( Retail Purchase Agreement ). and a copy of Experian email that was sent me.
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Experian you are in violation of the FCRA for reporting an inaccurate account on my credit report. You are reporting that the account XXXX XXXX XXXXXXXX was charged off in XX/XX/XXXX  which is not true. This account was paid and closed. There should not be a delinquent reporting on this account. XXXX and XXXX has this account closed without any delinquent or payment history listed so how is it that Experian is reporting adverse information when all data furnished should be the same? I am requesting that this account is updated due to violation of 15 US Code 1681a ( 4 ) by reporting mis-information. I will upload the incorrect credit report and my proof of identity. This account should be updated within 15 days or I will be forced to take legal action becuase this incorrect information has hurt my credit profile far too long.
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX XXXX XXXX XXXXXXXX For years I have been asking the credit bureaus for assistance in the removal of inaccurate information from my credit report. I was a victim of misleading tactics by a dealer and ultimately predatory lending tactics by their lender. These tactics caused years of financial hardship all because I was forced into a loan for which I could not afford. Dealer personal not only made false statements to secure an approval but they provided in house down payments on my behalf and even made me believe I would get gainful employment, if I were to buy the car. All of which were lies. That's not why I am here. 

I made multiple dispute attempts and all of which were denied and I was again not given fair opportunity to address my case. I suffered years of financial hardships due to the malicious nature of the selling parties. Now as many years have passed I am once reminded of this event. That's not why I am here. 

This account mentioned about is aged over 7 years and should no longer be reported on my credit bureau. After multiple attempts to gain a solution Transunion and XXXX denied any and all of my attempts to exercise my rights under federal law. 
This is why I am here.
Consumer complaint received 2023-05-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (FL)

I've Had Two Accounts That Had Fraudulent Activity That Was Not Caused By Me Ive Also Disputed These Charges But My Accounts Were Still Closed Ive Recently Tried To Open A Navy Federal Account And I Was Able To Do So And One Day After I Received A Notification Saying My Account Was Closed Due To My Consumer Report And When I Called The Bank They Told Me My Account Had Been Closed Due To The Consumer Report & Was Instructed To Reach Out To The Consumers Report Agency But As It Stands Now Im Not Able To Open Any Bank Account With Any Financial Institution.
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX  XXXX Balance : {$1300.00} ; XXXX XXXX XXXXXXXX Balance : {$7500.00}.
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Trans Union failed to investigate my dispute properly pertaining to Inaccuracy that XXXX XXXX XXXX XXXX have been reporting and the validation request that I submitted. Trans Union Verified my disputed information as Accurate. How do you Verify a dispute that requests for Validation? 
XXXX XXXX XXXX failed to correct the inaccuracy they have been reporting. They report to Trans Union only and not to XXXX and XXXX. How can that be accurate information for starters? XXXX XXXX XXXX XXXX refuses to validate my dispute upon request. That is clear a violation of my consumer rights. Listed in my attachment shows proof that XXXX XXXX XXXX failed to correct the inaccuracy that they have been reporting to my credit report and refuse to validate my dispute requests.
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is the second complaint I am filing as they closed the first without answering and disregarding everything I said. Below is the original complaint. 

XXXX XXXX is incorrectly reporting my account with them as not paid and put a full balance back on there. When it was originally reported as 100 % paid a couple weeks ago onto my credit report prior. causing my score to rise exponentially. The account was paid off and I have correspondence and letters from the company saying that I completely paid the full balance. Even received a check in the mail a few days later for a refund of the money I overpaid on the full balance. Subsequently it was stated on my credit report as 100 % paid as well as my cosigners. Almost a month go by, and they tried to say that all that was false and that I still owed the complete balance. That is fraud. As I went through all the correct and proper channels to pay. Sent them a letter REGISTERED MAIL notarized JURAT and sworn by me, asking why they say I still owe and explaining if that's the case how did I get a check in the mail or why it was listed as 100 % paid off. They never responded and kept harassing me with phone calls, letters, texts and emails. I just wanted them to prove what they claimed, and they did not and refused to respond. I will attach the certified mail I sent to the company in the attachments along with other documentation. 

Their response was that the was not processed and rejected and it takes 3-5 days to reflect. It reflected after 4 and that's when all the information saying I paid the loan completely off because payment went through. They refuse explain why my account was closed if it was allegedly rejected in the system and the subsequently reopened months later. This is fraud. I sent notice of error and affidavit via certified mail. Which they ignored. And never even after the written instructions to. Just blatantly disregarded my certified mail which they received which had to be signed for. They have not proven once that the money was returned. Because it was not returned to me. This is my word versus their word at this point and they are trying to silence me and get away with fraud.
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

I hav had a TransUnion credit reporting membership for approximately three plus years. Nevertheless, since XXXX of XXXX, I have stopped getting credit alerts and my account just lies dormant with an occasional credit score change. The only way that Im aware of this is by going into my account via the app. I pay {$26.00} per month for nothing more than a credit score change and to lock my report. TransUnion is just collecting my money without offering me any of the promised services for the account. I have called several times about this and each time I am hung up on when I continue to ask, Why am I not receiving credit alerts about basic information regarding new accounts that have been opened, credit line increases, payment status, credit score updates, etc. In addition, Customer Service is horrendous. Its so bad that it makes me reluctant to even call because the customer service representatives are so unprofessional, incompetent and inefficient.
Consumer complaint received 2023-05-17
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

bank of america thinks they can steal my negotiable instruments and say there invalid, they had a blank indorsement, and idk why they are not letting me bank when all debts are prepaid.. and no one can pay anything only discharge and set off .. the fdic throws around XXXX of dollars at banks and i cant get a secured credit card.. 

how can i alter a postal money order when i purchused them also they must not know about the box rule, theres a box around the the purchase price .. means its not there.. also i submitted a claim for an expidited reclaim and they just ignore me. they said we had a contract and per the terms
Consumer complaint received 2024-08-26
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: EQUIFAX, INC. (FL)

Following 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, the accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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. 

Please delete the accounts listed below : - Creditor name : XXXX XXXX XXXX. Date of the inquiry : XX/XX/2023. 
- Creditor name : XXXX XXXX. Date of the inquiry : XX/XX/2023. 
- Creditor name : XXXX XXXX XXXX. Date of the inquiry : XX/XX/2023. 
- Creditor name : XXXX XXXX. Date of the inquiry : XX/XX/2023.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

My account with DEPT OF ED/XXXX  was never late! I have had exceptional payment history with DEPT OF ED/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 paymen t reported in 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. 


DEPT OF ED/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 2024-09-17
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. (CA)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX
Consumer complaint received 2024-09-09
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)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

Fraudulent address and two files for debt collection were reported on my XXXX credit report. Investigation has been filed with XXXX as of XX/XX/XXXX. 

Fraudulent address as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 

Fraudulent Collection 1 as follows : NATIONAL CREDIT SYSTEM, Original creditor : XXXX  XXXX XXXX, reported amount owed {$11000.00}, account # XXXX opened on XX/XX/XXXX. 

Fraudulent Collection 2 as follows : NATIONAL CREDIT SYSTEM, Original creditor : XXXX XXXX XXXX, reported amount owed {$6500.00}, account # XXXX. 

National credit system contact info : XXXX XXXX XXXX XXXX  XXXX, GA XXXX. Phone number ( XXXX ) XXXX
Consumer complaint received 2023-05-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

I recently discovered that someone had stolen my identity and used my personal information to open fraudulent accounts and make collections on my credit report. It has been a challenging experience that has had serious consequences on my credit score and financial well-being. I have taken immediate action to dispute the fraudulent accounts and collections, and I have reported the identity theft to the appropriate authorities. This has involved working with credit bureaus, banks, and law enforcement agencies to investigate the fraud and restore my credit report. It has been a stressful time, but I am doing everything I can to protect my identity and recover from the damage that has been done.