davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-30
Product: Credit card — General-purpose credit card or charge card
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. (TX)

I consistently make my payments on time, so I'm confident in this fact. What perplexes me is why this company is marking me as late for certain months, which shouldn't happen. According to USC 1666b, any billing errors must be corrected and updated to reflect payments as agreed.
Consumer complaint received 2024-05-30
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 am so confused about your credit bureaus investigation on the accounts, that I am again writing this letter to dispute the fraudulent accounts on my credit report. As you have known, I have submitted the required XXXX report I filed on XXXX XXXX XXXX regarding the fraudulent accounts on my reoprt and upon submission, XXXX and XXXX removed the said accounts on their records. I also contacted the companies associated with these accounts and they said they have removed the accounts, so my question is : why are the accounts still reporting on your bureau? It is important to note that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove these fraudulent accounts, you are not fulfilling this obligation and are exposing me to further harm. Please have these accounts deleted from my report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

XXXX XXXX # XXXX {$0.00} Balance This account has been showing a collection/charge off with XXXX balance due, asked for it to be updated to positive. Account never in bankruptcy. 

* Disputed missed payment XX/XX/XXXX showing no days late * Status verification XX/XX/XXXX * Disputed Negative Account Status XX/XX/XXXX *Custom Debt Verification XX/XX/XXXX, asked how can the account have no late payments, no balance, and still be a collection/charge off. 
Never received any validation or proof.
Consumer complaint received 2024-05-30
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. (TX)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-08-22
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. (IL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I called XXXX XXXX too all for proof of last payment recieved date as well as proof of late payments recieved. They told me they didnt have this information and therefore could not send it to me. If you dont have this information how are you able to verify late payments to Experian XXXX and XXXX ? If you do have this information it needs to be sent to me as I requested to as proof that these supposed late payments are correct. If you can not verify them I request that you remove them as it is illegal to report wrong or unverifiable information on credit reports. Thank you very much.
Consumer complaint received 2023-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CA)

My payment has a due date of XXXX. I went to pay it today only to find they have an unfairly early cutoff time that benefits only the XXXX XXXX. The time is set for XXXX EST which is only XXXX PST. No other credit card company does this. It is not something that is fairly done, if a payment is due on a certain day all other credit card companies give one until XXXX to pay, this includes those on the east XXXX XXXX, they also make an allowance for time zones. I did speak to someone who basically told me there are no exceptions and that I was rather stupid not to notice they had a very early time in tiny print on the back of the statement and it was my fault and " too bad '' for me. It seems a punitive way to make people pay days ahead to not be charge late fees again. It is even too early for the EST, XXXX is not an accepted time, again XXXX is. I will be incurring a late fee for paying on the day it was due. This is XXXX XXXX XXXX XXXX XXXX, they recently took over from XXXX  XXXX XXXX who did not have such unfair and unheard of cut off times. Why do they have EST cut offs when they are based in Texas? I do not think it is fair to be charged a late fee when one has paid on the exact due date and before XXXX in one 's time zone.
Consumer complaint received 2024-05-13
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)

I am writing to dispute the fraudulent account currently appearing on my credit report. Despite sending you my previous dispute letter and the required documentation to the Federal Trade Commission ( FTC ) as per your requirements, this account is still being reported on my credit report. I have contacted the company associated with this account, and they have acknowledged the fraudulent nature of this account so the account was already removed from XXXX and XXXX. I have also provided the company with all necessary documentation to support my claim. Please have this account deleted from my report : XXXX XXXX XXXX
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I noticed that there is an inaccurate bankruptcy reporting on my consumer reports with Transunion, XXXX and XXXX. I disputed the bankrupcty with all 3 consumer reporting agencies and XXXX deleted it because it was unverifiable. Since Transunion and XXXX continued to report this inaccurate bankruptcy, I decided to reach out to the bankruptcy court to see if they were verifiying the inaccurate data and how were they verifying it. They responded with a letter stating that they do not report to the consumer reporting agencies or verify any information with the consumer reporting agency. 
This really didnt make any sense to me since XXXX and Transunion stated that the bankrupcty court verified the information as correct. It is a violation of the FCRA to report unverifiable and information on a consumer report. Each consumer reporting agency is reporting a different reference number and a different court. XXXX was unable to verify this information so how was XXXX and Transunion? This inaccurate reporting has caused tremendous damage to my consumer reports and my life so I am demanding this unverifiable bankruptcy to be deleted from my consumer reports immediately.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below XXXX XXXX XXXX XXXXXXXX Balanced {$0.00} XXXX XXXX Balanced {$0.00} XXXX  XXXX / XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX XXXXXXXX Balanced {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balanced {$0.00}
Consumer complaint received 2024-08-06
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. (IN)

I filed a dispute for incorrect information on mycredit report. I received an email from the creditbureau stating that they are assuming thedisputes are coming from a 3rd party. They in factdid not come from a 3rd party. l even called themto verify it was me and they still refused toprocess my disputes. I wasted money on mailingmy disputes out. I sent personal information toverify my identity through mail, just for them to notthoroughly investigate.
Consumer complaint received 2020-01-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: States Recovery Systems, Inc. (PR)

In XX/XX/2019, I received a letter from the company States Recovery Systems , Inc., of XXXX XXXX CA that they are charging me the amount of {$48000.00}, of a suspicious debt from XXXX XXXX XXXX of which I have never been notified, that I do not recognize it And I don't know who? or what is it?. Before this letter, people from this company called me and asked me to speak in XXXX as it is my first language and they refused, insulted me and hung up the phone without giving me an explanation. Now I receive this threatening letter and I am not given details of what it is? Prior to this incident I have an identity theft reported more than a year ago with XXXX XXXX XXXX who have never told me what happened, what research was done, they never wrote to me and I never knew how it happened? Or what happened? Nor did they explain to me how this debt came to my accounts for the amount of {$73000.00} dollars, how the bank lowered it to {$48000.00} and how this happened electronically in my personal accounts at the bank. I ask you to help me because I made a complaint in the police for identity theft and also report it and now I receive these threats without explanation.
Consumer complaint received 2024-05-30
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. (GA)

I am writing to seek the assistance from you in resolving a matter involving fraudulent items on my credit report. Despite my repeated attempts to rectify these issues directly with the credit reporting agencies and the respective financial institutions, these inaccuracies remain unresolved. I have identified several accounts on my credit report that are fraudulent and were opened without my knowledge or authorization. I have contacted the credit reporting agencies and the financial institutions involved to dispute these fraudulent items. I have provided all necessary documentation, including police reports, identity theft affidavits, and proof of my identity. Despite these efforts, the fraudulent items remain on my credit report, causing significant damage to my credit file. With this, I am asking for your assistance for the immediate removal of all fraudulent items from my credit report and assurance that my credit report reflects accurate and up-to-date information. The presence of these fraudulent items on my credit report is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). I am requesting for your intervention to ensure that these inaccuracies are corrected promptly and that my credit report accurately reflects my credit history. These are the following items I want to remove : 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 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

**Subject : Experian Credit Report Dispute - XXXX XXXX Experian is refusing to update my XXXX XXXX account information, despite multiple disputes and verified documentation from XXXX XXXX showing my account is current. My payments for XXXX and XX/XX/year> were extended, pushing them to XX/XX/year>, also my XX/XX/year> payment was made on time, yet Experian continues to report these as late. 

This inaccurate reporting is damaging my credit score. I have provided Experian with all necessary documentation from XXXX XXXX, but they have not corrected the error. I am requesting assistance to ensure Experian updates my report to reflect the accurate payment history and removes the incorrect late payments. 

Thank you for your help in resolving this matter.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently reviewed my credit report and noticed inaccurate names, and addresses. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. NAMES : 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  are all inaccurate. Also, according to 15 USC 1681s-2, 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 2023-06-21
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. (OR)

XXXX account was opened 100 % fraudulently by somebody else that had stole my identification card! 
I had my taxes from the IRS stolen XXXX years in a row, and I had put a personal protection pin for my tax return, and when I return to my XXXX XXXX to check my tax information, and my credit score I found inaccurate fraud accounts opened up in my name that I would like removed please! 

A suspect has used my good credit, and squandered it by opening up fraudulent accounts that I would like taken off please!
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-08-22
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. (KY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$840.00} XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2020-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

On XX/XX/XXXX, I detected in the Transunion credit agency an unauthorized authorization since I have not signed for that inquiry to be made, therefore I request the elimination of the same since for me it is totally unknown and my empirical affection. The unknown company is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PR XXXX Phone number not available We appreciate you removing it as soon as possible. Thank you. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Experian credit division is reporting information from creditors that should have been removed after i filed and had my 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 Bankruptcy was filed ( XXXX ) and XXXX ( XXXX ) reference # XXXX according to bankruptcy laws the above accounts should be removed from my credit report.
Consumer complaint received 2024-08-21
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. (KS)

XXXX XXXX account was opened fraudulently without my knowledge XXXX I have no knowledge about this account because my identity was stolen XXXX XXXX XXXX XXXX {$13000.00} account was opened without my knowledge and I have an FTC report XXXX XXXX XXXX XX/XX/XXXX Capital XXXX XXXX XX/XX/XXXX XXXX  stride bank XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Self lender XX/XX/XXXX XXXX Federal XX/XX/XXXX Personal information Address XXXX XXXX XXXX XXXX XXXX, KS was never at this address and need to be removed from my credit report XXXX country XXXX XXXX wrong address on my profile needs to be deleted XXXX XXXX XXXX XXXX XXXX wrong address on my profile XXXX XXXX XXXX XXXX XXXX need to be removed from my credit report because I had no idea on these
Consumer complaint received 2023-06-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (TN)

On XX/XX/XXXX I bought a {$500.00} US Bank Visa gift card. Total cost was {$500.00}. When I opened the package the 3-digit security code on the back was missing or misprinted. I need this to assign a pin. I immediately called the number on the back of the card to get a replacement. I was told to fax three things : 1. front & back of gift card 2. government ID 3. statement of ownership I faxed this information on XXXX XXXX.

Two weeks from my first phone call I had not heard from US Bank. I called again today. I was told my fax was received but I need to send my purchase receipt. This was not requested before. No one at US Bank reached out to request this. They are treating me not as a customer but as a nuisance that should go away. 

Today I'm trying to fax again with a the additional documents but the fax fails before completion. Help!
Consumer complaint received 2023-06-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Glasser and Glasser, PLC (VA)

Glasser and Glasser law firm has made it incredibly difficult to resolve my consumer debt. They attempted to take me to court on XX/XX/XXXX, however did not do their diligence in confirming they had the right address. I only found out about it after the court date passed when a former housemate notified me. I have been attempting to reach them several times, however they will not answer the phone. I have waited as long as an hour on hold, only to have the line disconnect. 
I have submitted XXXX requests via email to have someone contact me regarding the account as I am seeking to resolve the debt. My online portal access shows a {$0.00} balance, however I believe that to be incorrect. The first request was submitted on XXXX and I finally received a call on XX/XX/12 at XXXX. The representative informed me that there was a cease and desist note on my account and I had somehow signed over power of attorney to a debt resolution company. I told her I was familiar with using a debt resolution service, but was not away I would sign away my rights to advocate for myself and handle my own affairs. She would not disclose ANY information to me and seemingly brushed off the concerns. I then submitted another request via their website on XX/XX/12 as I was hoping to figure out what needed to be done to revoke the apparent power of attorney and cease and desist they have on my account. 
I made some incredibly poor financial choices around the age of XXXX. I am now XXXX XXXX XXXX and want nothing more than to reasonably resolve my debts and take accountability for my past choices. This company is making that nearly impossible.
Consumer complaint received 2024-08-06
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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.