davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-10
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. (NY)

This is the several times I've complained about being a victim of identity theft. You must remove these items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-09-10
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. (CA)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-07-15
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. (AZ)

My husband had filed for bankruptcy back in  XXXX  of 2011. His bankruptcy was discharged in   XXXX   of 2011 which I have documents for. All of his debt were on credit cards and he was a primary on the   XXXX   XXXX   credit card and I was the secondary. His balance was forgiven and this still shows up on my credit report when it should not and is affecting my credit score significantly. I spoke to   XXXX   XXXX   XXXX    personal banker near my house whom I know and after a day of reviewing it with the branch manager they concluded this does not show up their banking system and no payment is necessary. The balance is around  2,200 doll ars and was forgiven due to my husband filing for Chapter  XXXX  bankruptcy. Can you please have the  XXXX  credit bureau 's take this off my credit report so if does no have an effect on my score? THANK YOU.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions 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. 

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 2024-09-10
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: Experian Information Solutions Inc. (AL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2017-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

My husband had filed for bankruptcy back in XXXX of 2011. His bankruptcy was discharged in XXXX of 2011 which I have documents for. All of his debt were on credit cards and he was a primary on the XXXX XXXX credit card and I was the secondary. His balance was forgiven and this still shows up on my credit report when it should not and is affecting my credit score significantly. I spoke to XXXX XXXX XXXX  personal banker near my house whom I know and after a day of reviewing it with the branch manager they concluded this does not show up their banking system and no payment is necessary. The balance is around XXXX dollars and was forgiven due to my husband filing for Chapter XXXX bankruptcy. Can you please have the XXXX credit bureau 's take this off my credit report so if does no have an effect on my score? THANK YOU.
Consumer complaint received 2023-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX  SC XXXX XXXX XXXX XXXX XXXX Balance : {$240.00} ; XXXX XX/XX/XXXX. 
According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2019-12-17
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Collection Management. Inc (MO)

This consumer doesnt know you. Who are you and by which authority did you contact me? I require you to swear under penalty of perjury under the laws of the United States of America this debt is true within 5 days of this notice. 

Take note, pursuant to Regulation Z 12 C.F.R. 15 U.S.C. 1635 Right of Rescission, I rescind my entire consumer transaction. In addition, criminal fraud, identity theft, and conversion of property have no statute of limitations and I will defend against and seek remedy for deprivation of any rights, privileges, or immunities secured by the FDCPA against any and all guilty parties. 

I choose not to do business with you and your partner ( s ) any longer and CALL ALL AMOUNTS DUE IMMEDIATELY! 

I also revoke, cancel, and make void ab initio all powers of attorneys, in fact, in presumption, or otherwise, signed either by me or anyone else, claiming to act on my behalf, with or without my consent, as such power of attorney pertains to me or any property owned by me, by, but not limited to, any and all quasi/colorable, public, governmental entities or corporations on the grounds of constructive fraud, concealment, and nondisclosure of pertinent facts. Please send me the 1099-INT form from the IRS. 


According to the Federal Trade Commission : You must provide authority to collect on your behalf. 

812. Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 
( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 15 USC 1692k of this title for failure to comply with a provision of this subchapter.

( Pub. L. 90321, title VIII, 812, as added Pub. L. 95109, Sept. 20, 1977, 91 Stat. 880. ) I hearby affix my non-negotiable autograph with explicit reservation of all my unalienable rights and my specific common law right not to be bound by any contract or obligation which I have not entered into knowingly, willingly, voluntarily, and without misrepresentation, duress, or coercion.
Consumer complaint received 2017-07-15
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (GA)

This complaint is in regards to My  XXXX  Store card. I received a letter in the mail that my  XXXX  store card was closed due to non-payment of a {$35.00} balance. The card is issued by Wells Fargo Bank. I contacted the bank and spoke with account specialist   XXXX   in the collection department. I informed the representative that I did not receive a monthly bill as I always do and why did it take 3 months for the bank to notify Me of the past due amount.
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I was told that my account was switched to electronic statements and the representative told me that there is no notes in the system to indicate that the customer ( Me ) requested electronic statements. Now Wells Fargo Bank is asking me to pay late fees and interest of {$130.00} for a balance that was {$35.00}. This is very disturbing to me, I have always paid my bill faithfully and this bank wants to rob me of my hard earn dollars.
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The representative removed one late fee and I went ahead and paid the {$100.00} because I did not want this to ruin my good credit history because of a {$35.00} dispute. No company should be allowed to deceive any consumers in this way, if the consumer did not request electronic statements then no company should not be allowed to get away with doing these things.
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If Wells Fargo bank did not received my payment of {$35.00} and I have always paid on time, perhaps a letter and a phone call would 've been more appropriate to send immediately to the consumer but no they did not do anything until interest and late fees racked up. This is shameful and bad business practice on their part and I would truly appreciate if you could look into this matter further. Thank you for your time.
<P/>
Sincerely
Consumer complaint received 2024-09-10
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. (CA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2017-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

XXXX   XXXX   financed a car I purchased from   XXXX    located at   XXXX   XXXX   XXXX  . I was under   XXXX   XXXX   when the   XXXX   XXXX   I had was totaled. The case number was  XXXX , I was discharged in  XXXX . The Trustee was   XXXX   XXXX   XXXX   Chapter  XXXX .   XXXX   XXXX   XXXX   XXXX   XXXX  .  XXXX  TN  XXXX . Attorney   XXXX   XXXX   mishandled my case terribly. He filed the law sue that I filed in  XXXX , as workman 's compensation.   XXXX   XXXX   brought this to my attention. He made my personal records public. I did a substitute of collateral. He allowed payroll deductions to continue to be applied to a car.   XXXX   XXXX   posed as a paralegal and had access to my records.  XXXX  attorney was   XXXX   XXXX   XXXX   (  XXXX  ) &   XXXX   XXXX   XXXX   (  XXXX  )   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX , TN  XXXX . I paid the courts {$18000.00} from the medical malpractice law sue in  XX/XX/XXXX . I do n't know what the courts did with all the money I paid. The vin number on the   XXXX   XXXX   XXXX   XXXX  as  XXXX . I was laid off of my job on  XX/XX/XXXX , payments continued to be payroll deducted until   XXXX    when I was discharged. My insurance was with   XXXX   XXXX   XXXX  . I purchased a warranty with the  XXXX . The warranty was stole by   XXXX   XXXX   and   XXXX   XXXX   to service a series of cars without my knowledge. I learned of this theft when I pulled my bank records with   XXXX   XXXX   XXXX  .
Consumer complaint received 2017-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Santander Consumer USA Holdings Inc. (TN)

Santander Consumer financed a car I purchased from   XXXX    located at   XXXX   XXXX   XXXX  . I was under   XXXX   XXXX   when the   XXXX   XXXX   I had was totaled. The case number was  XXXX , I was discharged in  XXXX . The Trustee was   XXXX   XXXX   XXXX   Chapter  XXXX .   XXXX   XXXX   XXXX   XXXX   XXXX  .  XXXX  TN  XXXX . Attorney   XXXX   XXXX   mishandled my case terribly. He filed the law sue that I filed in  XXXX , as workman 's compensation.   XXXX   XXXX   brought this to my attention. He made my personal records public. I did a substitute of collateral. He allowed payroll deductions to continue to be applied to a car.   XXXX   XXXX   posed as a paralegal and had access to my records. Santander attorney was   XXXX   XXXX   XXXX   (  XXXX  ) &   XXXX   XXXX   XXXX   (  XXXX  )   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX     XXXX , TN  XXXX . I paid the courts {$18000.00} from the medical malpractice law sue in  XX/XX/XXXX . I do n't know what the courts did with all the money I paid. The vin number on the  XX/XX/XXXX  was  XX/XX/XXXX . I was laid off of my job on  XX/XX/XXXX , payments continued to be payroll deducted until   XXXX    when I was discharged. My insurance was with   XXXX   XXXX   XXXX  . I purchased a warranty with the  XXXX . The warranty was stole by   XXXX   XXXX   and   XXXX   XXXX   to service a series of cars without my knowledge. I learned of this theft when I pulled my bank records with   XXXX   XXXX   XXXX  .
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

My account with XXXX was 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 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 ( MONTHS REPORTING LATE ) 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 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 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OR)

My accounts 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/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!
Consumer complaint received 2017-07-15
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cohn, Goldberg & Deutsch,LLC (MD)

My car was repoed on  XXXX /2017. I received notices of the car auction date and time and what I need to do if I wanted to keep my car. on  XXXX / XXXX /2017 I received a letter from Cohn , Goldberg & Deutsch collection agency on behalf of  XXXX . It stated I had 30 days to dispute the validity of this debt or any portion thereof, and I did just that. The first certified letter I sent was to confirm that debt belonged to me  XXXX / XXXX /17 I then received the initial contract from   XXXX   XXXX   XXXX   that I signed. I then sent another certified letter on  XXXX / XXXX /2017 requesting Under the laws of the State of ( Maryland ) UCC ( 1-103, MD COML ) and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.I requested copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle.
If no such proof is provided within 14 days of receipt of this notice, the alleged claim of a deficiency will be considered and null avoid.I received a phone call from   XXXX   XXXX   stating that they received my letters and that they notified  XXXX  for an update but to their understanding, the car had n't been sold. The third certified letter I sent was on  XXXX / XXXX /17 notifying them that they failed to verify my request within the 30 days and by law, they have to remove this account from my credit report. I then received a letter from   XXXX   on  XXXX / XXXX /17 of a {$8300.00} deficiency balance and another letter from Cohn , Goldberg & Deutsch , LLC on  XXXX / XXXX /17 saying I have a deficiency balance of {$16000.00}. I followed all the proper procedures and kept a paper trail of the communication line on behalf  .
Consumer complaint received 2017-07-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (ID)

In     XXXX   XXXX   2016, I was called by Transworld Systems to set up a payment plan to pay off the remaining balance of having my   XXXX   XXXX   XXXX  . I set up a payment plan for six months, of {$230.00} and change. I then paid six out of six payments in full and on time. Thinking I had completed paying off that debt, I forgot about it, and thus did not anticipate a letter of closure on the account.
 XXXX 
Months later, I receive a phone call from Transworld Systems stipulating that I owe an amount of {$31.00} and change. I asked where the money had come from, as I had paid six out of six payments in full and on time. I was informed that the amount was previously uncalculated interest on the debt.
 XXXX 
I then asked why I was n't informed there would be a seventh payment of just accrued interest, they did n't know. I asked why they had n't incorporated the interest into the monthly payment like every other loan I know, and they said they did n't know the interest rate, that it was calculated by the system the company had acquired.
 XXXX 
I asked what system that was, they could n't or would n't disclose that information.
 XXXX 
The manager assured me that since I had made six out of six on time payments and in full, he would have a letter of closure sent to me, and that I need not pay the remaining interest, interest that I had not been informed of at the beginning on the process.
 XXXX 
Within the week, I was called again. I called back during my lunch break, at this point livid and irate. They said they could not close my account until I had paid the interest.
 XXXX 
I informed them I was on lunch and would call them back when I had more opportunity to discuss the matter. I asked their business hours for Saturday, and in error I was told they were  XXXX  to  XXXX  Eastern ; they are actually  XXXX  to  XXXX  Eastern.
 XXXX 
All calls were recorded for quality assurance purposes. They properly announced themselves and that that their intention was to collect a debt.
Consumer complaint received 2024-09-09
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. (TX)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$XXXX} per violation, for account listed without my expressed written consent.