davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-29
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. (MD)

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 2024-02-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IA)

On XX/XX/2024 I contacted USAA as I thought my DC may be compromised. They in turn disabled my DC and said they would ship one out by expedited shipping which still takes 3-5 business days to receive. I have one bank and it's USAA. So since they don't offer options on how we can access our money since they have maybe 6 - 7 brick and mortar buildings nationwide to do person to person transactions. In my case, my debit card was compromised, without another bank to do a bank to bank transfer which would still take 3-5 business days to process I am left without access to the funds in my account which should be considered criminal. They should not be able to limit a customer 's access to their funds by not having options for allowing me access to my funds just because my debit card was potentially compromised, yet they do not have any branches near me. Do not withhold the customers ability to access funds because they have an archaic business approach. They don't even have ATM 's nationwide, what kind of business limit 's its customer 's access to their money. It's asinine. When I brought up all of what I just said, their answer was 'You can transfer fundsXXXX  ( move money to an account with an available debit card, ATM card, checks ) if you know someone you trust to give you the fund 's '. That is an incredibly XXXX  way of telling customers how to access the funds in their USAA account, by finding someone you trust and transfer the money to them. That is borderline XXXX XXXX
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (TN)

I requested 3 times for the mortgage company to produce my ORIGINAL WET INK SIGNATURE to view in the County where my home is and the written request was disregarded. There is a New Deed on my home now because the mortgage company attempted to collect payments on the basis of fraud. PennyMac and XXXX XXXX XXXX XXXX XXXX XXXX has defaulted on the Administrator Process and they no longer have legal claim on my home. I have the letters I sent them through Certified mail and my new Deed recorded at the Deed office in XXXX XXXX. Now they illegally reported to the Credit Bureau of delinquent payments that brought my excellent Credit score down low. 
Now its a NOTICE OF DISHONOR BEFORE COMMERCIAL LIEN contract revoked Rejected and denied UCC3-503 UCC1-503
Consumer complaint received 2024-07-03
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)

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 : # XXXXXXXX XXXX XXXX  : # XXXX XXXX XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX  : # XXXX XXXX XXXX XXXX XXXXXXXX : # XXXX XXXX XXXX XXXX  XXXX : # XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX All these accounts have 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 customer 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.

15 USC 6802b ( 1 ) ( b ) States : the consumer should be given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ( Opt Out option was not disclosed or was i ever given notice )
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Around XX/XX/XXXX I submitted a dispute for inaccurate reporting on my credit report. I then received two letters one from XXXX XXXX and one from Experian ( report number XXXX ) XXXX stating that the disputes letters that I sent out didnt appear to be from me or to be authorized I then sent in another letter .Right now theyre not providing anything to validate the late payments, two theyre not even adding in the comments that consumer disputes, and theyre not updating last verified.
Consumer complaint received 2024-07-29
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: EQUIFAX, INC. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: U.S. BANCORP (CA)

I have hired a 3rd party representative to deal with this company because for years they have damaged my credit stating I owed money to an account I never opened no have I called to open. 
I legally changed my name from XXXX to XXXX in XXXX  I have documents to prove this. I was also broken into twice and have police reports and have reported this and identity theft. They have lost the power of attorney. They havent responded for months. I called and submitted a fraud claim and nothing. They continue to ruin my credit with this charge off that I never opened and have submitted evidence. My poa has emailed : XXXX XXXX / XXXX XXXX / XXXX XXXX / XXXX and nobody assumes responsibility. This account needs to be remediated and removed for fraud and they cant even organize their own departments and get this done. Its a complete violation of my rights and I will proceed to sue them.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Experian contines to report a XXXX XXXX account that is more than seven years old. I have done everything that I can do to get them to remove this account. They are violating my rights and should be sued!!!!!!
Consumer complaint received 2024-07-03
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. (NJ)

The Credit Reporting Agencies XXXX, XXXX and Experian are showing charge-offs on my account. The debt has been charged off by the original creditors which means that the debt has been paid and is considered income. I called numerous times and asked for my account to be updated because according to the IRS XXXX Internal Revenue Service ) Article, a charge-off is considered a certificate of indebtedness which means it is treated as income and income can't be reported on a consumer report and has to be removed off my credit report.
Consumer complaint received 2023-10-04
Product: Credit reporting 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 second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-03
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)

I have received your computer-generated notice informing me that you did not do any action or investigation for the disputes I sent out last time because you think I may have used a third-party credit repair company. Not only do I think this is just your delaying tactics to get an extra 30 days to fulfill my first request, but I also think it's a clear violation of the Fair Credit Reporting Act. Again, please be informed that you are reporting inaccurate and incomplete information on my credit report.
Consumer complaint received 2024-07-03
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. (MA)

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 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My account with XXXX & XXXX 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 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 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 2024-07-03
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. (PA)

I recently noticed that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX had used my Copyrighted material without authorization. I notified each respective bureau Experian, XXXX and XXXX that the attached items where a violation of my copyrighted material and I sent each alleged creditor a cease and desist again to see if they will take care of this matter without involving legal action. I have called the bureau many times and wrote many letters to no remedy. My next course of action is litigation at this point. I have attached a copy of the letter and the Copyright with proof of mailing.
Consumer complaint received 2024-07-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-07-03
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. (PA)

XX/XX/year> I sent a XXXX complaint to XXXX XXXX XXXX due to an inaccurate and incomplete collections account on my consumer report. XX/XX/year>, which is over 5 days of initial communication with the consumer, and nothing was sent to me in the mail. This collector provided me inaccurate and incomplete validation letter and did not provide me with any information or disclosures stating I have received any information provided by them. Or any detailed information regarding reporting this account on my consumer report inaccurately. There were laws violated as well. In this case, I submitted another CFPB complaint on XXXX XXXX complaint ID XXXX. Due to them not removing the account or fixing the issues and violating laws. XX/XX/year> debtor responded they need more time. Now this account has been given to another debt collector without my permission. XXXX XXXX has not completed this complaint with me yet. And already given away my information. This is really giving me anxiety and stress. This debt collector is violating laws. 
The Fair Debt Collection Practices Act XXXX  XXXX XXXX REFORM AND CONSUMER PROTECTION ACT Truth in Lending Act I do not understand why EXPERIAN, XXXX, XXXX is allowing this debt collect report to my consumer report. Please remove as soon as possible. 

The FCRA gives consumers many important rights when it comes to the information that consumer reporting agencies collect about them. It requires consumer reporting agencies ( including the XXXX major credit bureaus ) to make sure the information they collect and share is fair, accurate and kept private.
Consumer complaint received 2019-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (CA)

I RECENTLY PULLED MY CREDIT REPORT FROM XXXX, XXXX AND XXXX AND TO MY AMAZEMENT, SAW THAT THERE IS A FRAUDULENT ACCOUNT ( DSNB AMERICAN EXPRESS ) IS BEEN REPORTED IN MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT. THE INFORMATION APPEARS ON MY CREDIT REPORT, I DID NOT MAKE OR APPROVE OF THIS TRANSACTION. THIS HAPPENED BECAUSE OF IDENTITY THEFT.
Consumer complaint received 2023-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: NAVY FEDERAL CREDIT UNION (WA)

On XX/XX/XXXX, I called and talked to Navy Federal customer service to close my account. The representative said if I closed the card, I can't re-open the same card. I told her that's OK with me, I want to close the card. However, XX/XX/XXXX the credit union charged me a card renewal fee. On XXXX, an auto payment transaction from XXXX XXXXXXXX XXXX for {$780.00} and {$4300.00} hit the account for annual insurance premium payment. Since, I was not using the card and had asked Navy Federal to close the card, I didn't look into my account. Navy Federal kept on charging me interest and late fees. Meanwhile, we went to XXXX and didn't get our mails. On our return, my husband saw a letter from Navy Federal. We sent secured messages. The CU asked us to pay the total due first before they could adjust the fees and interest. We made payment for the full amount. However, the CU didn't make the adjustment of the late fees, interest charged from XXXX. It made only {$82.00} adjustment ( As a courtesy we have waived {$62.00} in interest and {$20.00} in late payment fees. ). I sent secure messages but the answer was same. I called Navy Federal on XX/XX/XXXX and discussed about the fees and my call XX/XX/XXXX to close the account. The CU representative said they would investigate and get back to me within XXXX hours. No one from Navy Federal called me. I called the CU again on XX/XX/XXXX. I was told someone from the credit union will get in touch with me on Monday XX/XX/XXXX. I haven't yet heard from credit union. I am convinced that this is a unethical business practice on the part of the credit union not to close my account when I asked for it and then charge me annual fee for the card and charge interest and late fees.
Consumer complaint received 2024-07-03
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)

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in on those accounts to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX 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 2024-07-03
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. (OH)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting XXXX  % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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/updated.

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.

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!