davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

My account with XXXX, XXXX, XXXX, XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX, XXXX, XXXX, XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 8
Consumer complaint received 2024-08-16
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. (GA)

I have been a victim of identity theft. I've reached out to the bureaus around XXXX or XXXX about this issue. I have also sent my appeal and dispute letters via mail as requested but when I call, some representatives would say they see them, some say they don't. Please help me reach out to the bureaus and kindly delete the following fraudulent accounts and inquiries from my credit reports. I attached my FTC reports, ID, proof of address, and Social Security card to this complaint. 

Here are the fraud accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2017-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

To Whom  It May  Concern   XXXX    XXXX .  XXXX   XXXX   XXXX , CA  XXXX    XXXX     XXXX .  XXXX   XXXX   XXXX , TX  XXXX  Equifax  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , GA  XXXX   XXXX ,  XXXX   SOC  #  XXXX  DOB  XXXX / XXXX / XXXX   XXXX    XXXX     XXXX   XXXX   XXXX   XXXX ,   XXXX    XXXX  To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item  ( s ) lis ted below are as follow : Have enclosed a copy of my Id and  XXXX  bills ***PLEASE UPDATE MY CURENT ADRESS ADDRESS :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX  BEEN LIVING THERE SINCE  XXXX / XXXX / XXXX  THESE ADRESSES ARE MY OLD ADRESS :  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  Old number and is no longer mine :  XXXX  *****MY CORECT NUMBER  XXXX  CELL Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance w ith 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I req uest that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.     Furthermore, pursuant t o 15 U.S.C. 1681i ( b ), I  request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.   Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past  six  months.     Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item  ( s ) in q uestion, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required b y 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the  above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my state issued ID and a paystub statement with my Name and current address.      XXXX ,  XXXX  SOC #  XXXX  DOB  XXXX / XXXX / XXXX   XXXX    XXXX     XXXX   XXXX   XXXX   XXXX ,   XXXX    XXXX
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

there are inaccurate information such as accounts and debts reporting on my credit report. all credit bureaus have NOT sent any proof showing and proving that any account is mine and is accurate. I need every single account that has NOT been sent proof showing that these are indeed accurate to be REMOVED! THE NEXT STEP IF PROOF IS NOT PROVIDED IS suing.
Consumer complaint received 2024-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NC)

I have a monthly XXXX direct deposit made each month to insure my benefits are available by the XXXX of each month the payer will make the deposit accordingly to make sure Wells Fargo has it in the two business day required to have the fund the XXXX or the day before. Wells Fargo places ahold on it and some months it takes up to 6 business days for me to access my money. I filed a complaint in XXXX and didnt have access to my funds until XX/XX/XXXX causing several bills to bounce but it had been direct deposited on Friday XX/XX/XXXX so it was held 6 business days the month of XXXX my payer deposited it on XX/XX/XXXX to make sure it was available by Friday XX/XX/XXXX and it was available on XX/XX/XXXX the bank held it for 3 days this month I was told it may be available by XX/XX/XXXX but by XX/XX/XXXX it will be available thats another 6 day hold. This is not a new direct deposit it has been processing since XX/XX/XXXX the only difference is instead of a smaller weekly amount it is one monthly payment for XXXX meaning that money is required to be available by the determined day of the XXXX of each month the day of or day before but Wells Fargo holds it and occurs interest for up to six days and doesnt give me that earned interest that is against the law for XXXX payments I filed a complaint XX/XX/XXXX and 31 and was told 48 hours Wells Fargo would contact me no one contacted me I filed another today XX/XX/XXXX and was told it will be 48 hours before the executive office reaches out to me.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

I live in XXXX, XXXX. I moved into an XXXX  XX/XX/2024 ( the date my lease began. ) I received a bill from XXXX XXXX XXXX ( XXXX ) for XXXX through XXXX XXXX XXXX under my name. I was not living at the residence at that time and the lease was not under my name during those dates. 

I called XXXX and they reported that Experian ran a credit check on me in XX/XX/2024 when I signed the lease for the apartment, although it was not set to begin until XXXX. 

XXXX reported that when Experian ran this credit check, I was signed up for service with XXXX at that time. I was signed up without my knowledge or consent. 

I am concerned about the privacy and usage of my personal data and identifiers without my permission. 

I am unclear if this is the fault of Experian or XXXX. 
I have filed a dispute with XXXX but am unable to get in contact with a representative at Experian.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

Tonight, I was dismayed to find unauthorized inquiries on my credit report, with no clear reason for their presence. I review my credit report regularly, but this time, something was seriously wrong. After refreshing the page, hoping it was just a technical issue, the unauthorized entries still didnt disappear. Im urging that the documents Ive sent be thoroughly examined so that I no longer have to carry this burden.
Consumer complaint received 2023-08-09
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: EQUIFAX, INC. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-09-02
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 have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-11-29
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. (NC)

XXXX XXXX XXXX acct # XXXX, ( XX/XX/XXXX ) amount XXXX XXXXXXXX XXXX acct # XXXX ( XX/XX/XXXX ) amount XXXX XXXX XXXX XXXX XXXX acct # XXXX ( XX/XX/XXXX ) amount XXXX XXXX XXXXXXXX XXXX acct # XXXX ( XX/XX/XXXX ) amount XXXX in accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. also 15 U.S.C 1681 section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-08-17
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I was notified by XXXX by XXXX at XXXX XXXX on XX/XX/year> that a credit card was opened in my name from Capital One. I reported this fraud to Capital One on XX/XX/year> at XXXX XXXX. They have opened case number XXXX for this fraud complaint. I would like this credit account closed and removed from my credit history. 

Thank you XXXX XXXX
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AR)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-09-02
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. (AL)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My account with XXXX  XXXX XXXX, XXXX, AND XXXX was never late! I have had exceptional payment history witH 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 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, AND 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 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

I was a victim of human trafficking and was notified about the opportunity to mitigate the effects of this harrowing experience on my financial situation today. I submitted a request to Equifax as the XXXX XXXX XXXX on XXXX, along with the requested supporting documnetation. A few hours later I received a request for information that said I needed to submit all documents within 4 days. A few hours after this, I received notification that the investigation was complete and that I was being denied protection. All documentation is attached.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

To Whom It May Concern, I have done some research and found that in accordance with the Fair Credit Reporting Act XXXX, Account # XXXX XXXX has violated my rights. 
15USC 1681 SECTION 602 states I have the right of privacy.

15 USC 1681 SECTION 604 A Section 2.. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B.. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late payment for any purpose. 
I am demanding this account be updated to paid as agreed and never late. 
Account Information : Creditors Name : XXXX Account XXXX : XXXX Date of Late Payment : XX/XX/year> I await your reply with the above request. I will correspond back with you by certified mail. 
Sincerly, Attached : Copy of ID and proof of residency ( I am not a third party. I wrote this letter myself ).
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

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 2024-10-29
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. (MN)

Ive been receiving invalid debt collections letters and reports of the invalidation from Transunion, XXXX and XXXX for the deft from XXXX XXXX XXXX opened XX/XX/year> in the amount of {$2300.00}. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2024-08-16
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. (PA)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

XXXX XXXX - XXXX
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

The following agencies Equifax, XXXX XXXX and XXXX has consistently reported my private information in regards to a student loan which was taken in XXXX and has continued to be reported. These agencies do not possess written permission, which is required according to 15 U.S. Code 1681b-Permissible purposes of consumer reports, P.L XXXX ( XXXX XXXX ). 

15 U.S. Code 1681c- Requirements relating to information contained in consumer reports. Originally XXXX was the company reporting to the XXXX agencies above ; and now XXXX has taken their place which is in direct violation of the above laws and The Family Educational Rights and Privacy Act ( XXXX ) is a federal law enacted in 1974 that protects the privacy of student education records. XXXX applies to any public or private elementary, secondary, or post-secondary school. XXXX XXXX XXXX ( b ) In attempt to rectify this situation, I have sent many communications informing these agencies of their violations and the harm it has caused and is causing.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

While checking my recent credit report I noticed fraudulent inquiries that I do not recognize and did not authorize anyone to pull my credit report. The inquiries were made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please validate the information with these companies and provide me with a copy of any documentation associated with these accounts bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature I formally request that these fraudulent inquiries be deleted immediately from the credit file under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

I was disheartened to find unauthorized inquiries on my credit report tonight, and Im at a loss as to how they appeared. I checked my report as I normally do, but this time, there were discrepancies that caught me off guard. I refreshed my browser, hoping it was just an error, but unfortunately, the unauthorized inquiries didnt disappear. I urgently request that the documents Ive provided be thoroughly reviewed so I can put this worry to rest.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IA)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.