davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My accounts with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX AND XXXX  XXXX were never late! I have had exceptional payment history witH XXXX  XXXX 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 XXXX XXXX XXXX. 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 XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. XXXX XXXX XXXX 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! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX never XXXX the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 2023-09-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

XX/XX/XXXX my account was compromised. I filed a claim disputing transactions which were marked unauthorized. This included rent payment, utility bills, car insurance and credit cards. I didn't do this. My claim was denied. However, in XXXX I received notification from Center for Medicare and Medicad that a 3rd party vendor had a data breach. The dates were end of XXXX and beginning of XXXX. I asked for my claim to be reopened. This request denied
Consumer complaint received 2023-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (PA)

Made the XXXX payment of {$41.00} on XX/XX/XXXX and made the XXXX payment of {$41.00} on XX/XX/XXXX due to possibly not having access to make XXXX payment. Spoke with XXXX, XXXX number XXXX who informed me that the second payment of XX/XX/XXXX would be applied to XXXX and not to worry and volunteered to give me his badge number in case they " gave me a rough time ''. Citi applied both payments to XXXX and did not follow through as their employee XXXX told me they/he would. Now I have to make another XXXX payment. That is dishonest to say the least.
Consumer complaint received 2024-10-07
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. (AZ)

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 2023-06-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credova Holdings Inc (OH)

Credova, also known as XXXX XXXX. Company contacted me claiming I still owed a " final payment ''. I gave them a credit card and they have not processed the transaction. I contract clearly shows all XXXX payment complete but there system claims there is another payment ( the XXXX now ) due this month. Entire loan was setup on auto pay!
Consumer complaint received 2022-11-27
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: Experian Information Solutions Inc. (CO)

During covid-19 of XXXX year XXXX i was released from my job due to catching XXXX during that time period someone broke into the office of my job and stole my personal information which contained my SSN and my personal identification. after recently reviewing my credit report i discovered that someone used my SSN and other personal identifying information to successfully open up 4 different accounts in my name that i had no knowledge about. 

The accounts or as followed : XXXX. ) XXXX XXXX XXXX ( opened on XX/XX/XXXX ) XXXX. ) XXXX XXXX XXXX ( opened on XX/XX/XXXX ) XXXX. ) XXXX XXXX XXXX XXXX  ( opened on XX/XX/XXXX ) XXXX. ) XXXX XXXX XXXX XXXX ( opened on XX/XX/XXXX )
Consumer complaint received 2023-09-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (FL)

On XXXX I had two transaction debit my debit card with Cash App, while my card was locked. On XXXX Cash App/Square reported system issues and it lasted till XXXX. I called Cash App three times. I was placed on hold and eventually hung up on two of the three times on XXXX. I finally got an agent to assist me. He informed me that since this was a Cash App issue they will be able to resolve it - without having to get the merchant involved. He stated I can file a dispute once the transactions posted. 

I believe I filed a dispute on XX/XX/XXXX. There were two charges. One for XXXX and the other for {$670.00}. 

I had a manager reach out to me because of the complaint Ive file with the XXXX  He stated that he would have it escalated. In my mind, when something is escalated it means that it increases the seriousness of it and processing times are quicker than normal. But apparently that is not the case. 

I also received an update from Cash App stating that they are contacting the merchant to see if theyll issue a refund. Going against what the representative said to me on the phone. He said on XXXX that since it was a Cash App system issue the merchant shouldnt have to be involved. 

I was contacted by Cash App on Monday XX/XX/XXXX and no resolution has been given. This was my rent money and because of their system issue it has caused me to be 13 days late on my rent. Im now accruing {$25.00} every five days that I am late.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

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 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. (AZ)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.
Consumer complaint received 2023-06-03
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. (TX)

This is my fourth attempts to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about as incorrect. The credit records I am complaining is not agreeable to me because as a matter of fact the items on the report are unknown to me and I want all of it to remove on my file because of its inaccurateness. Please remove the following items as they were fraudulent : XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX Balance : {$4900.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

I am name is XXXX XXXX XXXX and this this complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$900.00} XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$590.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$980.00XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Asset Amount : {$0.00}
Consumer complaint received 2023-06-02
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: MOHELA (KY)

On XX/XX/XXXX I noticed 2 student loans mentioned on my credit report while checking my credit score. Since I have never taken out a student loan of any kind, I knew immediately that these loans did not belong to me and were incorrectly placed under my name. I contacted the three reporting agencies immediately ( XXXX, XXXX and XXXX ) and filed a reports requesting that this be removed from my credit report. I received letters back stating that they had " investigated '' the matter and the loans were marked as accurate and did in fact belong to me. When I attempted to ask them what matters they took to investigate, they ( XXXX and XXXX ) responded by saying that they called the loan servicer ( Mohela ) and asked if the information was accurate. To which they replied that it was. This is not an acceptable form of investigation so I called to dispute with Mohela. They confirmed that someone had used my name, a different address and e-mail address to obtain a deferred student loan to attend XXXX XXXX XXXX  College in XXXX XXXX Iowa. I have never been to Iowa or attended college there. This is a brick and mortar institution and I live in XXXX, Kentucky. I finished college over 10 years ago with no debt. There is no feasible scenario where this would belong to me and it is even more suspicious that the loan was deferred. This means someone is receiving federal student loan money and kicking the payment down the road after they run up a tab of loan debt. Mohela said I would need to fill out a forgery packet to have the loan released. I did this and provided my drivers license, social security information, utility bills, mortgage statements, signature examples and other documentation proving that this is not my loan debt. I sent the packet with a full police report back to Mohela within the specified time frame. I sent it with certified mail. It has been months and I have received no response or resolution. It is also worth mentioning that I have recorded all of my calls with the credit agencies and Mohela to corroborate my information should I need to tag legal action. Mohela admittedly serviced a loan to someone who is not me and it has incorrectly appeared on my credit report, negatively impacting my credit score. Mohela has not provided any additional information, supporting documentation or provided a debt validation letter. So far the burden has been on me to prove that this debt isn't actually mine which is absurd.
Consumer complaint received 2024-11-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

Hello, my name is XXXX XXXX, and Im contacting you regarding an issue with my Chex Systems report. Ive noticed an inaccuracy concerning bank records. I would appreciate it if you could investigate this matter and correct any errors. Its been affecting my credit and my personal capacity to open an account. Your failure to positively verify this account hurt my ability to obtain banking services. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account. 

Moreover, I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated. 

XXXX : Wrong Personal Information : Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Wrong Personal Information : Current Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Previous Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX : Wrong Personal Information : Current Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX. XXXX, also known as the False Identification Crime Control Act, is a federal law that prohibits fraud and other activities related to governmental identification documents. The law covers XXXX prohibited acts, including : Producing or transferring false or unauthorized identification documents Possessing XXXX or more false or unauthorized identification documents with the intent to use them unlawfully
Consumer complaint received 2024-07-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

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 2023-04-11
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: 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 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 2024-10-25
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: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

In XXXX  Portfolio Recovery Associates gained access to my credit report from an employer XXXX XXXX XXXX XXXXXXXX XXXX ) Portfolio Recovery Associates has been accessing and altering my credit report since XXXX  to present. They stole my online identity by using a duplicated copy of my marriage certificate. I have never given this company or any employer a copy of marriage certificate. I have also never used my marriage certificate for a name change. My social security number has not been reported for employment or housing since XXXX  in XXXX XXXX XXXX but my name is still being used. Now that I live in XXXX  PRA intercepted my apartment lease, stole my deposit duplicated my lease and now trying to evict me. The information in this portfolio this company is reporting about me is false. This company reported a duplicate copy of my son 's XXXX XXXX as proof of my death for employment and housing gain. This company created a portfolio on me using stolen duplicated XXXX  vital records with my first and last name as an the " XXXX XXXX. '' This company falsified I applied for a job with XXXX XXXX XXXX while I was physically working for XXXX XXXXXXXX XXXX  school district in XXXX. The person who stole my marriage certificate for employment gain is XXXX XXXX XXXX. XXXX XXXX XXXX was given access to my payroll and housing after stealing my marriage certificate. He was able to use my name as my husband but he is not my husband. Also there is a fingerprint card that this company is using with my first and last name for employment gain in this portfolio. My BIRTH name and my MARRIED name are the same. I have been married over 20 years now. My name should never be reported without my middle name for employment or housing. This falsified portfolio was also integrated with the XXXX  ( XXXX XXXX XXXX ) in XXXX  in XXXX XXXX XXXX at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX by XXXX who was the manager of XXXX XXXX in XXXX. Also in this portfolio this company is reporting that I have been convicted of " INSUFFICIENT FUNDS '' which is completely false. I have never been convicted of a crime in my life.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX P.A XXXX I have attached a letter with all my information thats needs to be updated on my consumer profile as well as the supporting documentation to show proof of my identity
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-09
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. (FL)

I am writing to urgently request the removal of a fraudulent account from my credit report under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2. This account was opened fraudulently in my name without my consent. According to 15 U.S.C. 1681c-2, once a fraud alert or identity theft report is received, the credit bureau should take prompt action. As this fraudulent account is causing significant harm to my credit profile, I request its removal within 4 days, in line with the urgency typically required for such cases.. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days.
Consumer complaint received 2024-08-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.