davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I am writing this with the utmost urgency to draw your attention to a matter of the presence of fraudulent personal information and unauthorized inquiries associated with my identity. Upon a thorough review, I have noticed that certain accounts and transactions have been inaccurately attributed to me, without my consent. This has left me profoundly distressed and deeply concerned.
Consumer complaint received 2023-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC. (CA)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC 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. Please delete the account : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX  Balance {$84.00}
Consumer complaint received 2024-05-01
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. (FL)

It seems that FCRA 605B requires us to delete any inaccurate accounts from my credit report. Could you check the documents, please? Some of the listed accounts have inaccuracies in reporting, including incorrect amounts and dates.
Consumer complaint received 2024-05-01
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 recognize that under FCRA 605B, it's crucial to eliminate any erroneous accounts from my credit report. Would you kindly review the documents? I've observed that a significant number of the listed accounts appear to be incorrect, and this is troubling to me.
Consumer complaint received 2023-12-20
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. (FL)

I have requested to XXXX to validate and verify the negative account they arereporting on my personal credit profile, including providing an acknowledged agreementand transaction history of how that balance was calculated. They have refused to provide this or any copies of documentation verifying this account, yet they have been willing to put this unverifiable debt on my credit report.
Consumer complaint received 2024-01-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICAN EXPRESS COMPANY (CA)

I had a high yield savings account with American Express for over TEN YEARS. i started a new career and my first paycheck deposited {$50.00} to this account. While waiting for the remainder of my paycheck to arrive in mail I needed to use MY {$50.00} that I choose to put into my ten year old amex savings account. I updated the transfer bank accounts on the savings so I could transfer half to my new XXXX checking and rest to my providers checking. I verified the silly small deposit amounts successfully of course and input the two transactions. AMEX WITH ZERO GROUNDS OR REAL VERIFIABLE RED FLAG OR REASON AMEX REVERSES BOTH DEPOSITS WITHOUT MY APPROVAL AFTER FUNDS LEFT THEM AND WENT TO OTHER ACCOUNTS CREATING A GREAT DEAL OF STRESS, problems and effecting my life and new job. They sent me a tacky email saying to call them with zero reason so I step out of my office to call and tbey cant put me thru or tell me anything and wasted my time and then looked online to see they reversed my transfers and withheld MY MONEY WITH ZERO GROUNDS OR VALID REASON. I PASSED ALL THEIR RUDE STUPID VERIFICATIONS YET THEY NEVER LET UP ON THEIR HARASSMENT AND VIOLATIONS AND ABUSE ON ME, MY LIVLIHOOD AND MY RIGHTS AS AN AMERICAN CONSUMER. I SPOKE TO XXXX WHO WAS NASTY, RUDE, DISHONEST AND PURPOSELY DID NOT FOLLOW MY INSTRUCTIONS AND ORDERS ON CLOSING MY ACCOUNT. SHE WAS THE WORST HUMAN IVE EVER ENCOUNTERED IN MY LIFE AND HAS NO PLACE HANDLING OTHER PEOPLES MONEY. SHE IS MENTALLY UNSTABLE AND HORMONALLY UNBALANCED TO WORK IN A PUBLIC POSITION. 10 years means nothing to American Express as we are just a number and they have XXXX value in their customers and all they care about is ruining lives and stealing money from struggling citizens over ridiculous {$20.00} transactions. Ive never been treated so bad in my life XXXX instead of finishing the Transfers She reversed them without my approval, and now I have no idea how or when Im getting my money which is not how people should be treated. No money is safe at American Express. I want my money and I want it ASAP.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I hope this letter finds you well. I am writing to address a concerning discrepancy in my credit report regarding late payments on my account. Upon reviewing my report, I noticed that late payments were inaccurately listed, which has had a negative impact on my credit score. I contacted the company associated with this account, and they acknowledged that there was an error on their end. They assured me that they would update and correct my account to reflect the accurate payment history. They explained that there was a system glitch that caused the late payments to be incorrectly reported. 
I find it perplexing that your bureau continues to report these late payments when other credit bureaus have already corrected the status of the account. This raises questions about the verification process used by your bureau to ensure the accuracy of the information reported. Please have this account updated : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

I have had an account with HSBC for many years. I am a premier customer. For some reason, in the last few weeks, I have not been able to log into my US Hsbc account. It says to call the company.. I have done this and I spoke with many people. They all told me they don't know what the problem is and that someone would call me back about this. However, no one has called me back. I need to access my account in order to transfer some money. Can you help?
Consumer complaint received 2023-12-20
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)

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
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 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Ive disputed the validity of this debt. The company refuses to remove this debt although theyve provided no information for debt validation and/or debt verification. A collection company is also reporting this debt. The amounts are between this creditor and the collection company dont match and neither have been validated. This is a clear violation of 15 U.S.C. 1681 ]. ( a ). Account XXXXXXXX  should be promptly removed to prevent further damages related to the FCRA violation. The information in incorrect. It hasnt been validated. This company and the collection company are report different information for the same account. This account has already been removed and block by XXXX.
Consumer complaint received 2023-12-20
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. (FL)

I hope this letter finds you well. I am reaching out to address a concerning issue regarding my credit report and the potential violation of United States Code Law, specifically the Truth in Lending Act ( TILA ) under 15 U.S. Code 1666 ( b ) related to billing inaccuracies. 

Upon recent examination of my credit report, I have identified numerous instances of billing inaccuracies as stipulated in 15 U.S. Code 1666 ( b ), specifically under points ( 4 ) and ( 5 ) : Point ( 4 ) : The creditors failure to accurately reflect a payment made by the obligor or a credit issued to the obligor on a statement.

Point ( 5 ) : A computational or similar error of an accounting nature by the creditor on a statement.

A specific concern revolves around the absence of timely notification, at least 21 days ( approximately 3 weeks ) before the issuance of a statement. This oversight has led to unwarranted late payment entries on my accounts. I am requesting tangible evidence from your records that validates any claim of non-payment resulting in the reported late status, as I firmly believe this is a clear billing error. Additionally, in accordance with 15 U.S. Code 1681a ( 2 ) ( a ) ( i ), a late payment qualifies as a transaction and experience, making it eligible for exclusion from the consumer report. 

For your reference, the following accounts require immediate attention and correction on my consumer report to accurately reflect the payment status 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  In accordance with consumer protection laws, these accounts must be promptly updated to accurately reflect the " paid as agreed '' status. Failure to comply with this request will compel me to pursue legal action, seeking monetary compensation for the violation of my rights in small claims court under 15 USC 1681n civil liability.

Furthermore, I have already taken the initiative to escalate this matter by submitting a formal complaint to the Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. 

I anticipate your swift attention to this matter and the necessary corrections to my credit report. Your cooperation is appreciated, and I look forward to a timely resolution.
Consumer complaint received 2024-05-01
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)

This account was CHARGED OFF on the following date XX/XX/2021, since then the account has repeatedly been updated as charged off every month, this is an update in the payment history. 

A charged off account should not include an active payment history. This INACCURATE INFORMATION falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. 

I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-01
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. (MI)

Timely payments are always a priority for me, and I am certain about this. However, I am unsure why this company is reporting me as late in certain months, which should not be the case. According to USC 1666b, any billing error should be corrected, or they will be liable to pay me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2024-05-01
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. (GA)

I received the letter with my dispute results from TransUnion and I need to know WHY these accounts are still remaining and they are claiming they have been verified. Thats impossible because these creditors are denying any record of a dispute from their company! I am maintaining a careful record of my communications with Transunion for the purpose of filing a complaint with your agency.
Consumer complaint received 2024-01-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NC)

Citibank closed my account out still don't really no why but I'm fine with that I just want my funds returned back to my account my mom XXXX XXXX lent me {$380.00} and XXXX to help with rent and food so she wrote me 2 checks and they drafted my mom account she has with XXXXXXXX XXXX after shortly after they closed my account once they took my mom money her bank have been calling she have been calling, I have perfusely been calling and they keep lying saying they sent the money but get your mom to call which she has and her bank, they saying they sent the check but I am checking the mail daily nothing at all from them and this incident occured XX/XX/XXXX and here it's a new year my mom need her money this was only a loan this her only income for her XXXX I hope you can help I truly do thank you
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

In the month of XXXX, as evidenced by the attached receipts, I requested an investigation to ensure compliance with the Fair Credit Reporting Act ( FCRA ). This act mandates that my information be accurately and completely displayed on my credit report. My dispute is not about the ownership of the accounts, as I acknowledge they are mine. 

My concern is solely about the accuracy of the information as required by FCRA Section 1681, which all Credit Reporting Agencies must adhere to. While some items were removed from my credit report ( as detailed in the attached documents ), they were later reinserted with the same inaccuracies. This reinsertion occurred because the creditor claimed the information had been verified as correct. 

According to the FCRA : ( i ) Certification of accuracy of information : If any information is deleted from a consumers file pursuant to subparagraph ( A ), it can not be reinserted into the file by the consumer reporting agency unless the furnisher of the information certifies that it is complete and accurate. 

The following accounts are still inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Attached you will find certified mail receipts and copies of my current credit report with the mentioned accounts and inconsistencies.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Colony Brands, Inc. (WA)

Per the FCR as a federally protected consumer I am no opting out of any and all authorization I the consumer may have given you written, unwritten, verbal or non- verbal per 15 USC 6802. I'm exercising my rights to Opt Out from consumer reporting. I've attempted to and was denied my federally protected rights per the Privacy Act of 1974. See attachment for further details on the creditor and account details.
Consumer complaint received 2023-08-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (GA)

i HAVE A COMPLAINT AGAINST XXXX XXXX, IC SYSTEMS, CCS COLLECTIONS AND XXXX XXXX XXXX, COLLECTION ACCOUNTS. MUST BE REMOVED. .ACCORDING TO THE 15 USC 1681A2 STATES THAT I DID NOT GIVE WRITTEN PERMISSION TO HAVE THESE ACCOUNTS FURNISHED ON MY CREDIT REPORT AND THEY MUST BE REMOVED.
Consumer complaint received 2024-05-01
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. (MD)

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. 

XXXX XXXX XXXX : XXXX, XXXX XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX has violated my rights. 

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 2024-05-01
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)

The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.
Consumer complaint received 2024-05-01
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. (TN)

As of XX/XX/2024, I disputed an account with TRANSUNION regarding inaccurate information being reported in my consumer report. After the reinvestigation was complete, I reviewed my report to see that the account came back verified and incomplete. The FCRA prohibits there reporting of incomplete accounts. This in turn is ruining the integrity of my consumer report because it violates 15 USC 1681e ( b ) of the FCRA.
Consumer complaint received 2023-12-19
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)

Experian was notified of my reported identity theft on XXXX. 
The FCRA requires credit bureaus to block reporting of information in your credit file that you allege resulted from an identity theft, within four business days after your notification to the credit bureau. 
Experian did not remove the account and did not respond until XXXX. Stating that the account was validated. I take this as intentional taunting and willful negligence by stalling as long as they were allowed. In this closing response they stated " a results summary '' was sent to me on XXXX which I have no record of and it was not what requested, nor was the account removed after receiving the FTC identity theft report # XXXX ( Exhibit A ) listed in CFPB report # XXXX ( Exhibit D ). 

XXXX XXXX XXXX XXXX XXXX notified by mail of the request for validation pursuant to Fair Debt Collection Practices Act, XXXX XXXX XXXX. 
XXXX XXXX XXXX did not respond within the 30 days per ( Exhibit F & G ), nor did they provide validation pursuant to Fair Debt Collection Practices Act, 15 USC 1692g. 
Additionally, XXXX XXXX XXXX is violation of the Texas Collection Agency Act ( TDCAA ) and the Texas Debt Collection Act ( TDCA ) which requires that collection agencies, debt buyers, and attorneys, who engage in the collection of consumer debts, be licensed and bonded by the Texas Department of Financial and Professional Regulation ( IDFPR ) ( Exhibit H ). 
I have done all that I can to work with these agencies to remove the fraudulent claim and I am putting these companies on notice of intent to sue.
Consumer complaint received 2023-12-20
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. (AZ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX Balance : {$2000.00}
Consumer complaint received 2024-05-01
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. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.