davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-25
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. (AL)

Urgent Demand for Immediate Correction of Inaccurate Reporting : Upon reviewing my Consumer Reports, I was enraged to find egregious inaccuracies regarding alleged late payments on accounts where I have ALWAYS made punctual payments. Under the Fair Credit Reporting Act ( FCRA ), Consumer Reporting Agencies are REQUIRED BY LAW to ensure the HIGHEST degree of accuracy in reporting consumer information. I have NEVER missed a payment on the following accounts : [ XXXX XXXX XXXXXXXX ] [ XXXX  XXXX XXXX ] [ XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] I DEMAND an IMMEDIATE and THOROUGH investigation into these blatant discrepancies within FOUR DAYS, as mandated by the FCRA. You are REQUIRED to provide undeniable evidence, such as detailed account statements, substantiating the alleged lateness of these payments. FAILURE to furnish such proof within the specified 4-day timeframe will lead to my INSISTENCE that these payments be corrected to reflect their accurate, ON-TIME status, in rigorous adherence to FCRA Section 611, which mandates accuracy and completeness in consumer reports.

I have consistently met my payment obligations ON TIME and WILL NOT TOLERATE this unacceptable situation. RECTIFY THIS IMMEDIATELY.
Consumer complaint received 2023-08-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group (MO)

I am not liable for this debt as I do not have a contract with Velocity Investments LLC I am making this complaint because I am a victim of identity theft according to the FCRA and have not given written permission for these accounts to be furnished on my consumer report, furthermore, I have reached out to Velocity and they referred me to XXXX XXXX XXXX an attorney. When I connected the attorney they could not give me any information. I am being run around in circles and would like to get the issue resolved. No one will verify the debt is mine or give me any information once I say XXXX XXXX is not me. Please remove the item from my credit report and stop any legal action.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (FL)

The delays in payment and account closure are not my responsibility. On XX/XX/year>, I received a settlement letter from TD Bank for {$6000.00}. However, the payment instructions provided were insufficient. The online system was inaccessible as it was locked to me, and the provided phone number connected to a XXXX XXXX promotion scam without any payment option for TD Bank. The letter included an address for wire transfers or checks but didn't specify if the check should be made out to TD Bank or Raymour Flanigan. 
Numerous attempts to resolve the issue over the phone were unhelpful, as operators refused to discuss it on a recorded line. On XX/XX/year>, XXXX ( ID : XXXX ) assured me that I would receive a letter with updated information, which never arrived. She instructed me to make the check payable to TD Retail Card Services at XXXX XXXX XXXX, XXXX, SC XXXX. 
After waiting for the promised letter without success, I sent the settlement check along with a copy of the settlement letter. The delays stem from TD Bank 's mismanagement, yet my credit scores have dropped by over XXXX points, and the credit bureaus still report the account as open and in default.
Consumer complaint received 2024-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: NAVY FEDERAL CREDIT UNION (GA)

I reported this as identity theft due to the fact that is not my debt but Im having a very hard to removing this so Im willing to pay this debt thats not mine to get it removed
Consumer complaint received 2024-10-25
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. (OR)

Unauthorized companies have accessed my credit report without my permission, which has severely impacted my credit score. I contacted Experian, and while they assured me these fraudulent inquiries would be removed, theyre still showing up. This issue is not only causing me XXXX  about potential identity theft but also making it difficult for me to manage my finances. Ive been denied credit opportunities, and the constant worry about my financial standing is overwhelming, adding unnecessary stress to an already difficult situation.
Consumer complaint received 2023-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2023-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was informed by Bank of America on XX/XX/2023 that there was fraudulent activity on my account. There were two charges for {$1100.00} totaling {$2200.00} and a bunch of small charges adding up to XXXX totaling the amount to {$2300.00}. After dealing with the claims department I received temporary credits for one of the {$1100.00} charges and all the small ones ( {$52.00} ) totalling {$1100.00} on XX/XX/2023 which are now permanent. There was no reimbursement for the other {$1100.00}. I called Bank of America 's claims dept and asked why I didn't receive a credit for the 2nd {$1100.00} and they said that whoever handled the claim made a mistake and that they were going to file a new claim for the missing {$1100.00}. On XX/XX/2023 a temporary credit was put in my account for {$1100.00} and then on XX/XX/2023 the {$1100.00} was taken back out of my account. I called Bank of America to find out why and the agent I spoke with said that whoever handled previous claim on XX/XX/2023 made another mistake by making a new claim and the back office saw it as a duplicate and reversed the transaction. This agent said she was going to make a new claim with notes saying that its not a duplicate and I was temporarily reimbursed for the {$1100.00} again on XX/XX/2023. Then on XX/XX/2023 the credit was reversed again because the back office thought it was another duplicate. Since then I have spoken with a number of agents trying to find out what it happening. Everytime I speak to them they say whoever handled it before made a mistake and they are going to fix it. They claim that they are reopening the original claim which started on XX/XX/XXXX and XXXX have to wait another 45 days for an answer. I just spoke with them 18 days later and theres still no progress. I've been dealing with this since XX/XX/XXXX about 4.5 months. They've mishandled this claim and my money so many times I have no faith I will ever see this {$1100.00} again. No one at Bank of America has taken any responsibility for how poorly they have handled this claim and at the end of the day it's me who has to keep calling them to see whats happening. Usually to find out they messed up once again and all the can offer a " sorry for your inconvenience " apology. They need to be held accountable for mishandling this claim so many times.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

I have disputed this account information as in accurate with you and you have come back to me and stated you were able to verify this debt. How is that possible under the laws of the FDCPAI have contacted the collection, agent myself and have been able to get them to verify that this is indeed, my debt.
Consumer complaint received 2024-07-17
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. (OR)

I am writing to express my concerns regarding several issues I have encountered with the credit bureau. These include inaccurate account listings, erroneous credit reporting, billing discrepancies, and accounts that do not belong to me.
Consumer complaint received 2024-09-18
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. (MI)

I am writing to formally resubmit the complaint to EQUIFAX regarding inaccuracies in the reported data on my credit file and you are not taking action of removing them in my credit reports. The information in question is not verifiably compliant, proven valid, or fully documented as true and physically verified. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My date of birth is XXXX, and the associated FTC report number for this complaint is XXXX. I have identified potentially false and unverified inquiries and accounts on my credit file that lack proper authorization from me. As a consumer, I am well within my federal and state consumer and civil rights to insist on the prompt removal of these items. I am initiating this consumer complaint and compliance check to address specific items being reported under FACTA Title 1 sec. 151, which unequivocally requires a thorough examination of the process. This serves as a formal dispute of information and reporting.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

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 2023-09-26
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. (TX)

I contacted Transunion regarding unauthorized hard inquires on my credit report from XXXX XXXX  ( XXXX XXXX XXXX ) and XXXX XXXX ( XX/XX/XXXX ). I also filed a FTC report because I am a victim of identity theft. 

According 15 U.S. Code 1681c2 - Block of information resulting from identity theft U.S. Code, A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines thatExcept as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; Its been 2 weeks since I contacted Transunion and was told hard inquires would be removed and the inquires are still on my credit report.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (GA)

I requested my free credit report from the ( 3 ) credit reporting companies, I received XXXX and XXXX without an issue. However I am unable to access my Experian account after multiple attempts to use the online portal and calling the provided telephone number. I was notified there is a collection on my account which is inaccurate, it belongs to someone else and is impacting my credit score. I do not know the company and have never purchased or used one of their products.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (HI)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2023-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

My account with this company 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 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 2024-10-25
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. (NV)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WI)

XXXX XXXX XXXX account # XXXX 3 separate METRO2 compliance issue disputed and each time the issues were " corrected '' rather than the reporting being removed. I have found a 4th METRO2 issue I have not disputed yet. I DONT WANT IT CORRECTED I WANT THEM OFF. YOU DONT GET TO REPORT ENDLESS LIES AND JUST CHANGE IT WHEN I SAY GET OFF MY HISTORY OR I WILL SUE WITHOUT EVEN CALLING YOU OUT ON THE FOURTH ISSUE I'LL SAVE THAT FOR COURT
Consumer complaint received 2023-09-26
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. (PA)

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 2023-09-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: City Enterprises, LLC (VA)

I paid off the car XX/XX/XXXX. I was told XX/XX/XXXX that they would send the title. I confirmed it's fully paid off. I got home from a trip the XXXX, not there. I called, they said it was sent. I got home from a music festival the XXXX, not there. I was told go to the clerks office and get a duplicate title. I go the XXXX to the clerks office, it's still showing the lien. I move on the XXXX. I called to get an email with the VIN. The person who can do that is out until Monday and nobody will send the email. They won't give me a copy in person. Its my car. I own it. This is a class C misdemeanor apparently in Tennessee. I have to have it the XXXX and they've been nothing but rude. I've had to take work off to do this.
Consumer complaint received 2023-09-26
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: EQUIFAX, INC. (PA)

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 2023-09-26
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. (FL)

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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.