davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

My account with Experian 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.

Experian 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 2023-03-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

This is XXXX XXXX a former client of Citizens Bank at : XXXX XXXX XXXX, XXXX, MA XXXX I have received two letters from collection about my balance statement for {$19.00} but I have already requested to close my account and they did it, after that I do not have any way to transfer money from one of my Citizen Bank accounts which has {$44.00} on it to another account or use my balance. 
I moved to California last year and no longer need that bank, all my efforts to make phone calls or communicate with your bank were unsuccessful. 
Please close my banking account and return my balance because this is a kind of harassment and fraud charging. 
I made many phone calls to the customer services and they hung up. 
I made a phone call to this branch and the banker hung up. 
I sent an email to your customer service and no response ( Saved ). 
Thank you, XXXX
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX ; XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$810.00} ; XXXX  XXXX XXXX Balance : {$590.00} ; XXXX XXXX Balance : {$2300.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$190.00} ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My account with 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.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports
Consumer complaint received 2024-09-27
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. (IL)

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-09-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX  XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

I kindly Request you to block this infomrat6ion from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed to be blocked and deleted company information TransUnion. 

Please delete the following accounts : XXXX Acct Number XXXX Balance : {$5400.00} XXXX Acct Number XXXX Balance : {$8200.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Acct Number XXXX Balance : {$3300.00}
Consumer complaint received 2024-09-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I looked at my credit report months ago and noticed some things that were XXXX  % NOT correct. I know Transunion has tons of clients and lots of people to work with, however, I am NOT satisfied with them continuously ignoring my request and failing to make the necessary corrections to my account, even after I have consulted with a consumer attorney, they still have not corrected it or sent me any correspondence responding. 

I sent a letter asking them to reinvestigate the accounts below mult : XXXX XXXX XXXX XXXX : This account was opened in XXXX of XXXX, and paid in full on XX/XX/XXXX. It was a leased vehicle and I have NEVER missed a paymen.t I have sent Transunion the proof of payments and they still fail to correct my report or even respond to my investigation requests. 

Bankruptcy XXXX : I have written to Transunion multiple times about correcting the misinformation and how they have this listed on my credit profile. They continuously refuse to respond to my requests to update or delete the information to ensure it is correct. 


Can you please look into this matter?
Consumer complaint received 2024-09-19
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)

I am writing to request the immediate removal of my previous address from my credit report. I have recently reviewed my credit report and discovered that an outdated addresses are still listed under my personal information. 
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
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This CFPB Complaint has been filed to request pursuant to FCRA 605 B ( 15 U.S.C XXXX XXXXXXXX XXXX XXXX XXXX XXXX$8800.00} XXXX. XXXX XXXX XXXX XXXX {$9200.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$360.00}. 

These accounts have resulted in several fraudulent hard inquires and fraudulent collection appearing on my consumer report. All of the aforementioned accounts collections and hard inquiries are the result of identity theft and fraud. I had attached a copy of my FTC identity theft criminal report ( XXXX ) as proof from the us federal trade commission that all of the aforementioned consumers credit accounts, collections, and hard inquires, are the results of identity theft and fraud.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-19
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. (TX)

After reviewing my submission, I noticed that the Credit Bureaus stated that my account was properly investigated but how is that possible when some of the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are inaccurate? Also, I didn't receive any ( not one ) of the correspondence that I requested in the last complaint. 
Equifax didn't provide information on XXXX XXXX XXXX and there are several violations found on my credit report still. 

All of this is grounds for removal by law. 

1. The Original Contract With My Signature On It ( DID'NT PROVIDED ) 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) ( DID'NT PROVIDE ) 3. The Payment History and Itemized Billing Associated With Each Account ( DID'NT PROVIDE and No Correction 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) ( DID'NT PROVIDE ) Also : 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 USC1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 USC1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

15 USC1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. If these accounts are not removed I will be reporting you to the XXXX, and I will be contacting the Federal Trade Commission, and I will be filing a lawsuit against your consumer reporting agency for violation of privacy and pain and suffering
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX and an Sales contract loan account opened at XXXX on XX/XX/XXXX. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, are the result of identity theft and fraud.
Consumer complaint received 2024-09-21
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. (CA)

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts I do not recognize are continued here. 
XXXX XXXX XXXX XXXX Balance : {$5300.00} XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX : {$230.00} XXXX Original creditor : XXXX XXXX XXXX Balance : {$250.00}
Consumer complaint received 2024-09-25
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. (MS)

PLEASE DELETE AND UPDATE THOSE FOLLOWING ACCOUNTS I FILE FTC REGARDING THIS ACCOUTS BECAUSE IT IS FRAUD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$4100.00}
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
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. (NV)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX 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 2024-09-23
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)

I am submitting this complaint against TransUnion, XXXX, and XXXX for inaccurately reporting late payments on my credit report for the accounts listed as XXXX, XXXX XXXX XXXX XXXX, and XXXX  XXXX. These reports are inaccurate and should be corrected, either by removing the late payments or updating the accounts as Paid as Agreed. 

Legal Basis : XXXX. XXXX  XXXX XXXX XXXX ( XXXX ), XXXX XXXXXXXX XXXX XXXX 

Under the XXXXXXXX XXXXXXXX XXXX XXXX ( XXXX XXXXXXXX ), the following unfair, unconscionable, or deceptive practices are prohibited : ( c ) Falsely representing that the consumer transaction involves consumer rights, remedies, or obligations. 

In this case, the credit reporting agencies are falsely representing my obligations by incorrectly reporting these late payments, damaging my credit history. 

XXXX. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

The FCRA establishes the legal framework for credit reporting accuracy and consumer rights regarding disputing inaccurate information. Relevant sections include : 15 U.S.C. 1681i ( a ) This section requires credit reporting agencies to investigate disputes regarding the accuracy of information in a consumers file. I have disputed these inaccuracies with the credit reporting agencies, but they failed to correct the information. 
15 U.S.C. 1681e ( b ) Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. TransUnion, XXXX, and XXXX failed to do so by reporting inaccurate late payments. 

XXXX. XXXX XXXXXXXX Practices XXXX ( XXXX ), XXXX XXXX et seq. 

The XXXX prohibits unfair and misleading collection activities, including making or threatening to make an inaccurate report to a credit bureau : XXXX XXXXXXXX ( XXXX ) Prohibits making an inaccurate credit report on a consumers credit worthiness. 

XXXX. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. 

Although the FDCPA applies more directly to debt collectors, the credit reporting of false information can be considered an unfair collection practice under certain circumstances.