davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING 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.

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

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Consumer complaint received 2023-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo is holding my money without giving me access to my funds or my account in general. This was after I have made a claim with them and received a resolution to my claim. Now they are not allowing me to gain access to my account or funds. This is so frustrating because they have had a closure date to my account for XX/XX/XXXX, and now pushed it for the 3rd time now to XX/XX/XXXX. I need my money and they are holding my money unjustly after calling them over XXXX times they still are not doing anything to help with the ongoing issue. I keep calling and telling them the situation and every agent keeps telling me a different thing. One agent mentioned to me to go to the branch and call the loss prevention phone number and I would be released the funds. The next says nothing will happen with funds till the closure date. Yet nothing is changing and I need my money.
Consumer complaint received 2024-07-26
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. (TX)

I am writing to formally request the removal of inaccurate items from my credit report. 
This is my attempt to rectify this issue, and I am becoming increasingly frustrated by the lack of response and action on your part. It is crucial that these items be removed immediately to reflect my true credit standing. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate or outdated information on my credit report. These accounts are either beyond the statute of limitations or contain erroneous information. Despite my previous attempts, these items remain uncorrected. I have included copies of my previous correspondence as well as supporting documentation to expedite the review process. Please help me conduct a thorough investigation of these items and provide me with written confirmation of their removal within 30 days. The following items should be removed as soon as possible : XXXX XXXX Balance Owed : {$6100.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX  XXXX Balance XXXX : {$6100.00} ; XXXX XXXX ( Original Creditor TEXAS XXXX XXXX ) XXXX XXXX Owed : {$980.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX ; XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Owed XXXX {$0.00} ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

According to consumer law, FCRA 15 U.S. Code 1681s-2-Responsibilities of furnishers of information to consumer reporting agencies ( a ) ( 1 ( A ) must provide accurate information and yall job to prohibit information with actual knowledge of errors and ( B ) keep reporting information after notice and confirmation of errors. IT MUST BE DELETED According to consumer law, FCRA 15 U.S. Code 1681i ( 5 ) Procedure in case of disputed accuracy. If a credit report has inaccurate, incomplete, or unverifiable information then it must be removed from my credit report.

This is a federal unethical practice which can lead to a litigation according to 15 US Code S 1681n Civil Liability for willful noncompliance. {$1000.00} per violation, you know the law. 

Company : XXXX Account # XXXX Violation XXXX Uploaded original contract from XXXX that verified my terms, they refused to delete the inaccuracy. 

Violation XXXX Last reported does not match XXXX say XXXX & Experian says XXXX Violation XXXX Date last active XXXX says XXXX & Experian says XXXX I have proof of all the errors. 

Per IdentityQ a trusted source for all XXXX credit bureaus I have blacked out certain items because these credit companies will copy and paste from my investigation rather than doing their job in investigations and fulfilling the law of consumer reporting I even reached out to the Attorney General concerning this matter of unethical consumer practices with legitimate factual reporting of errors of this account. 

XXXX has deleted this account due to the inaccuracies.
Consumer complaint received 2023-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} WHILE TRYING TO PURCHASE MY FIRST HOME I REALIZED I HAD DAMAGES ON MY CREDIT REPORT. ACCORDING TO THE 15 U.S.C. 1681 LAW, THERE SHOULD NOT BE ANY DAMAGES ON MY CREDIT REPORT. IT IS A DEFAMATION OF CHARACTER.
Consumer complaint received 2023-11-12
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)

Child Support should not be on my credit report. XXXX, XXXX, and Experian sent a notice to child support enforcement/OAG over 20 years ago stating that it is unlawful for Child Support to be on my credit report. This has been unlawful for over 20 years. This did not start from a credit transaction.
Consumer complaint received 2023-11-12
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)

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Consumer complaint received 2024-07-26
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. (FL)

i never applied for this card its not mine Reported balance {$2300.00} Actual payment amount Date of last payment XX/XX/XXXX Past due amount {$2300.00} Account status Closed Date reported XX/XX/XXXX Payment details Last reported Review your last reported payment information and click FILE A DISPUTE to continue. 
Account type : XXXX XXXX  Help mark icon Whats this? 
Account owner Individual Account Loan type Credit Card Creditor classification Revolving credit limit {$2200.00} High credit amount {$2300.00} Term frequency Monthly Term duration Activity designator Date opened XX/XX/XXXX Date reported XX/XX/XXXX Date of last activity Payment Details Months reviewed XXXX Date of last payment XX/XX/XXXX Deferred payment start date Scheduled payment amount Date closed Actual payment amount Charge off amount {$2300.00} Delinquency History Balloon payment date Date of first delinquency XX/XX/XXXX Balloon payment amount Amount past due {$2300.00} Date of major delinquency reported XX/XX/XXXX Comments Consumer Disputes After
Consumer complaint received 2024-07-26
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. (IL)

I am seeking your assistance with this erroneous account appearing on my credit report. This issue has negatively impacted my reputation, and I urgently need your help to have it removed and blocked as soon as possible.
Consumer complaint received 2024-07-26
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. (CT)

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 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-12
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. (RI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  A car dealership kept running my credit for vehicles I did not want or authorize my credit to be ran on. I got denied for the car I wanted and they kept running it for similar ones without my knowledge. I tried to call and complain to the dealership and they did nothing. I texted and called the finance manager and they did not respond or return my calls. I was taken advantage of and want these removed from my credit.
Consumer complaint received 2023-11-12
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. (RI)

I am trying to have a closed account removed from my credit. It has been a few years and it has negatively effected my credit. I have sent letters, emails and made calls to XXXX XXXX XXXX XXXX. The past due amounts are incorrect as well. This account needs to be removed from all XXXX credit bureaus.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

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.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NH)

Secured Credit Card bank name : XXXX XXXX XXXX XXXX ORIGINAL STARTING BALANCE ( INCORRECT/NOT POSSIBLE - READ MESSAGE BELOW ) {$22.00} THIS DROPPED MY XXXX CREDIT REPORT BY ALMOST XXXX POINTS SECOND BALANCE REPORTED ( INCORRECT/NOT POSSIBLE ) {$170.00} THIS DROPPED MY XXXX CREDIT REPORT AGAIN BY ALMOST XXXX POINTS THESE TWO BALANCES WERE REPORTED TO XXXX  BY XXXX XXXX  AND XXXX XXXX XXXX WITHIN LESS THAN 2 WEEKS APART CAUSING SEVERE DAMAGES TO MY CREDIT SCORE NOT ONLY ARE THEY REPORTING THESE FALSE BALANCES TO XXXX, THEY'RE ALSO REPORTING IT TO XXXX AND EXPERIAN HERE IS A MESSAGE I SENT XXXX XXXX  VIA LIVE CHAT : I'm having serious issues with the credit card builder and it's reporting practices to credit bureaus. XXXX has been making errors in its reports claiming that I have a balance on my account, which is impossible since I have safe credit building on and with that any balance every month is automatically taken out of my XXXX account. This issue has caused my credit score to drop over XXXX points in two weeks. I am very pissed off, unhappy. This is totally unprofessional and reckless and my credit information is being manipulated and XXXX is making false reports and amounts which is illegal under the Fair Credit Reporting Act. This needs to be addressed as soon as possible by the escalation team. If it isn't I'm going to report this information to XXXX reviews, XXXX reviews, XXXXXXXX XXXX app reviews, going to make a complaint to XXXX and going to contact the agency that handles the FCRA. You are causing me damages by destroying and lowering my credit score with false reports and information. WHAT THEY ARE REPORTING AND THIS FALSE INFORMATION IS ILLEGAL AND IS CAUSING ME PERSONAL LOSSES AND DAMAGES
Consumer complaint received 2023-11-12
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)

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: KEYCORP (WA)

Due to a clerical error with coding my Social Security XXXX check stop coming in from XXXX to XXXX. I was unable to make timely payments on my Key Bank Credit Card. Key Bank called and harassed me with about 6 calls a day. When I finally got the back pay from Social Security I made two payments on my credit card ending in XXXX. The first payment was XX/XX/XXXX for {$440.00} which was the full past due amount. Then on XX/XX/XXXX I paid the card off and made a payment of {$1800.00}. I had previously had fraudulent charges on the account and had asked for it to be closed. They said they could not until it was paid off. This was about a year ago. I forgot all about that when paying this card off and stupidly gave them every dime I had to pay this off thinking I could use it again. 
So I paid the card off and then BOOM they immediately closed the card leaving me with nothing. Then to make matters worse they lied to the credit bureaus and made false claims when I disputed the amount owed on the card. I filed a dispute because I paid off the card. After the dispute was over they lied again and never updated or corrected that I had paid the card off. I also called Key Bank to reopen the card several times and they refuse.
Consumer complaint received 2024-07-26
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. (MI)

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.