davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-09-29
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. (NY)

I just reviewed a copy of my credit report and i found this fraudulent account. Please remove these account. This is hurting my ability to obtain credit. 

XXXX XXXX XXXX - Account # XXXX
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Personal information associated with my name need to be removed Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX. 
I am no longer associated with this address and need it removed immediately According to the FCRA I as a consumer have the right to report and asked to be removed any inaccurate information on my credit report
Consumer complaint received 2024-03-24
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. (NY)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Transunion : [ XXXX ] XXXX
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

My report is not accurate and incomplete. Payments show delinquent for XX/XX/year> and XXXX of 2024 Account # XXXX XXXX XXXXXXXX XXXX according to the fair credit reporting act whenever a consumer reporting Agency prepares a consumer reporting it shall reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates to. 15USC 1681 ( c ) ( b ) and according 15USC 1681 I5 They are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information. ( A ) In general after reinvestigation under paragraph ( 1 ) of any information diputed. 
Please also see attached invoice provided by XXXX XXXX wich shows the inaccuracies on reports.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My account with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AND 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 2019-11-27
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. (AL)

Hello I'm reaching back out because I have again tried to use my credit and was not approved because of things on my credit that is not mine. I contacted the FTC and my local police. There are even several bankruptcies on there that are not mine. I we.s advised by the Bankruptcy Court that do not verify bankruptcy and advised me to contact another company called XXXX XXXX. I spoke with them and they also verified that I do not have any bankruptcy. The other accounts on there that is not is Chapter XXXX and XXXX Bankruptcy, XXXX  XXXX and XXXX XXXX XXXX
Consumer complaint received 2024-09-04
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. (IL)

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that Experian, upholds the law. This section of the law mandates that credit reporting agencies, upon receiving appropriate proof of identity theft, such as an FTC Identity Theft Report and an official police report, must block the reporting of information that the consumer identifies as resulting from identity theft within four business days. Experian has refused to promptly remove these fraudulent accounts. I spoke with a representative from Experian who informed me that this account would be blocked and removed. As an active member of the military, it is critical that these fraudulent accounts, which are the result of identity theft, be removed and blocked from my report immediately. My roles, especially those requiring security clearances, involve thorough background checks, including a review of my credit report. These fraudulent accounts could raise concerns about my financial stability, potentially jeopardizing my clearance and performance.
Consumer complaint received 2024-08-26
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (CA)

IN XX/XX/XXXX, I filed my tax for XXXX asking for the rebate, and The IRS said They don't owe me I don't owe them a letter XXXX. They send the XXXX $ to Netspend on XXXX XXXX, XXXX I called Netspend to tell them that I did not receive the XXXX $ I called Netspend after 3 days on XX/XX/XXXX, and they told me to file a dispute i told them that ok to transfer me to a dispute l explained everything they told to give them XXXX business days but mid time they going to send me some paper on the mail in XXXX On XX/XX/XXXX I called back and they told me to call again on XX/XX/XXXX I called that day and stayed on the phone for XXXX hours they kept saying to call back I asked them to transfer me to a supervisor they held the phone for over XXXX minutes no pick I hang up next day I call they can't find my claim for longtime they transfer me to dispute channel. They told me there was no error from Netspend I transferred the XXXX to my card I said I did not and did not know XXXX was at Netspend and I did not know how to transfer I did not receive any notification for the XXXX any funds I received from Netspend, you guys send me a notification and help me load to mine. I did not transfer the XXXX I did not know it was a deposit Netspend sent me XXXX ago a statement to show me how I spent the XXXX and the statement was fake it was my tax money on the statement and it was altogether my tax XXXX $ The card ending in XXXX Netspend over the phone helped in XX/XX/XXXX. Netspend helped me over the phone load XXXX after I received a notification from Netspend.on the card ending XXXX there never be XXXX transfer on my card. 
Pls I did not receive it I need help Thank you
Consumer complaint received 2024-07-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (PA)

Dentist charged {$6500.00} for a XXXX XXXX that I had cancelled XXXX weeks before my appt. Symphony Bank would not hear my complaint my Lawyer wrote them they would not answer her. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Even after I kept disputing it and went to another dentist ( XXXX XXXX XXXX XXXX XXXX XXXX ) and had a XXXX XXXX made. Symphony Bank sided with the XXXX XXXX XXXX XXXXXXXX XXXX XXXX Because The dentist did not send all the money back to Symphony Bank . They keep going up in late fees and wont assist in any correspondence that has been mailed to them.
Consumer complaint received 2024-06-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (UT)

In XXXX of this year I decided to cancel my American Express card because I no longer wanted to pay the annual fee. I called American Express to cancel. They sent me a refund check for the annual fee and sent me an email saying that my account had been cancelled. I received the email on XX/XX/XXXX. After that I didn't think about the account. But I received a bill statement in XXXX for subscriptions that were charged to the account. I thought it was odd since I cancelled the account and called American express to see what had happened. 

The customer service representative said that something odd had happened and the account was never closed even though he could see that I had called to have it closed. So he said he would launch an inquiry into why it was never closed. He told me not to worry about the charges or late fees and that everything would be fixed anywhere from XXXX weeks to a month. That same month I receive an identical email to the one I received in XXXX saying that my account had been canceled. But in XXXX I got another billing statement with more late fees. So I called American Express again in XXXX and asked what was going on. They said they would launch another inquiry and gave me another GC code for my inquiry and told me to just be patient and they would figure out why it didn't cancel. 

Skip to XXXX and I receive another bill with extra late fees and constant calls. This time when I call they say I canceled in XXXX and that I now need to pay anything from XXXX and XXXX including the late fees. I felt like this was wrong since I canceled in XXXX received a refund for my annual fee in XXXX, payed off my remaining balance in XXXX, and received an email confirming my cancellation again in XXXX. All the while my XXXX XXXX has been damaged due to delinquent payments. The representative tell me to not do anything and they will launch another inquiry and gives me another GC code for my newest inquiry and again tell me to just wait until the inquiry is complete. I called after XXXX weeks and they hadn't finished so they tell me to wait at least a month. I do and again my XXXX XXXX goes down due to more delinquencies and I receive extra late fees. 

Now in XXXX. After waiting to receive calls that never came. I call and they tell me they still aren't sure why it says I cancelled in XXXX but nothing happened and they can't help me with the delinquencies or the affect on my XXXX XXXX. Even though they told me to wait to do anything until after my many inquiries/investigations were completed. Inquiries that I never heard from again. I never got an explanation as to why my account wasn't cancelled. I never got an explanation about what had happened with my inquiries and I never got a call back when trying to figure out what was happening with my account.
Consumer complaint received 2024-03-01
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 have a 90 late on my 8 student loan. I was never late on these accounts they have been in deferment for years. I asked Experian and XXXX to show me documentation showing proof of a transaction showing I was ever late to support their inaccurate reporting on these accounts and they could not supply any documentation to support these inaccuracies so I asked them to please delete these alleged late payments from my credit report based of the law ( Per U S 15 1666B a creditor may not treat a payment on a credit card as an open ended consumer credit plan ). They havent delete them as of today which is the reason for my complaint.
Consumer complaint received 2024-09-29
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. (PA)

I have been dealing with a situation for several months now. There are numerous inaccuracies in my credit report, and it has reached a point where legal action will be taken in the next few weeks. I filed for bankruptcy two years ago, and according to the proceedings, everything was supposed to be removed after the two-year mark. However, this has not been done. There are also inaccurate accounts being reported, and the credit agencies are claiming to have verified my bankruptcy with the courts, which is not accurate as courts do not verify such information. Additionally, they are falsely reporting that I am deceased, which has greatly affected my ability to obtain credit. I have made multiple attempts to rectify these issues, and if they are not resolved within the next three weeks, I will be filing lawsuits against Trans Union, XXXX, and the Consumer Financial Protection Bureau ( CFPB ).
Consumer complaint received 2023-12-26
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. (NY)

After my lease was returned to XXXX XXXX on the return date ( XXXX ), the dealer rep told me everything was taken care of with my lease return and nothing needed to be done. 

XXXX claimed I contacted them to notify the lease was returned in XX/XX/XXXX. 

XXXX claimed to send me settlement letter to my address which I never received- mail was the only contact method claimed that they used, but I received no notifications of this. 

Received notice that my credit score dropped over 100 points and that there was a charge off on my account around XXXX XX/XX/XXXX, I immediately paid this charge that I was just notified of. 

Received a claim response from XXXX with XXXX XXXX which was very thorough but incomplete, when trying to contact her or her team to provide the odometer statement for proof I have been unsuccessful. 

XXXX XXXX is a terrible company to deal with and it has been very frustrating and time consuming.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NC)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Old card from Bank of America expired and another card was issued but to the wrong ( old ) address. When I request the card to be send to my current address they sent a new one with a number different from before.

The different number is not a problem but now every transaction gets blocked by fraud department. I've contacted the bank three times, they unlock it but it locks again at the next transaction. 
When I try to contact the bank they keep doing the same process over and over again but it doesn't solve the problem. The last time I contacted them ( today at XXXXXXXX XXXX ) I told the operator the previous guy did exactly the same thing and he said that there's really nothing much else they can do. 
I tried to find a different channel to address this issue but couldn't find one on the website. 
I'm complaining here so that the complaint can get to the correct department to solve the issue ; the regular phone doesn't work and the operator also can't provide more information than the one already available to me.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Consumer complaint received 2024-09-29
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. (OK)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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.