davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-07
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 account with XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

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, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NJ)

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-06
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. (NY)

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX  XXXX Balance Owed : {$11000.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Owed : {$1800.00} XXXX XXXX Balance Owed : {$5100.00} XXXXXXXX XXXX XXXX XXXX Balance Owed : {$3400.00} XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2024-08-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

Dear Equifax Customer Service, I am writing to dispute a collection account listed on my credit report, which is associated with Fair Collections & Out. The account details are as follows : Creditor : Fair Collections & Out Original Creditor : XXXX XXXX XXXX XXXX XXXX : XX/XX/year> Collection Amount : {$16000.00} Dispute and Request Violation of Privacy Act : According to the Privacy Act, XXXX XXXX XXXX XXXX no XXXX XXXX share my personal information with Fair Collections & Out without my explicit consent. The unauthorized sharing of my personal information constitutes a violation of my privacy rights. 

XXXX of XXXX ( XXXX XXXX. XXXX ) : Under the Fair Debt Collection Practices Act ( FDCPA ), specifically XXXX XXXX. XXXX, I am requesting that XXXX Collections & XXXX provide detailed verification of the alleged debt. This includes original account information and any agreements related to the collection. Without sufficient evidence, it is reasonable to assume that no such debt exists. 

XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : I request that all communications from XXXX Collections & XXXX regarding this debt cease immediately. This request is made under XXXX XXXX. XXXX, which requires debt XXXX to stop communication upon request. 

Removal of XXXX Account : Given the above concerns, I request that you remove the collection account from my credit report. Inaccurate or unverifiable information should not be reported, as it negatively impacts my credit score and overall financial standing.
Consumer complaint received 2024-08-12
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (WI)

On XX/XX/XXXX I received a mailing from Jefferson Capital stating I owed {$760.00} to XXXX XXXX. I immediately contacted JC because this debt was settled XX/XX/2023 with XXXX XXXX The debt at that time was disputed with XXXX XXXX  and a collections was added to my credit. It was agreed on XX/XX/2023 that I would settle the debt with XXXX XXXX and XXXX XXXX  at half the amount. I received a notice via email from XXXX XXXX that shows a XXXX Balance for that debt because it was paid in full at a negotiated amount. 

On XX/XX/XXXX I sent Notice to Jefferson Capitol with the copy of the email from XXXXXXXX XXXX  disputing the debt and requesting validation of the debt. I also requested to not be contacted again based on the fact that I do not owe this debt because it had been settled with XXXX XXXX. I have copies of all items sent and received. 

XX/XX/XXXX, I received a notice from JC stating their records no not indicate a paid in full status. And requested a paid in full confirmation letter. The request is exactly what I sent them from XXXX XXXX. I requested validation in the dispute letter and no contact but these items have been ignored.
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

15 U.S. Code 1681a - Definitions ; rules of construction STATES ( 2 ) ExcLUsloNS. Except as provided in paragraph ( 3 ), the term " consumer report '' does not Include ( A ) subject to section 16815-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report, XXXX XXXX XXXX you're supposed to put my payment status is paid in full. The status of my account is supposed to be paid in full.
Consumer complaint received 2018-08-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Equitable Acceptance Corp (OH)

Signed up for XXXX XXXX in hopes to get my loans forgiven after 10 years. Found out that they not only do not pay off my loans through XXXX, but they aren't associated with the Department of Education ( although they mentioned it numerous times in emails ). I've paid about {$560.00} to them thinking that it would reduce my loan amount, but all they did was open a new line of credit in my name. I was also told by the Department of Education that I didn't have to pay fees in order for my loans to be reduced in payments or forgiven.
Consumer complaint received 2024-04-22
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 regret to inform you that I can not accept your decision to dismiss my identity theft claim as an error or misrepresentation of material fact. It is concerning that you have taken it upon yourself to determine what qualifies as a material fact, especially considering that you do not hold the authority of a judge. 

According to the guidelines outlined by the FTC, when an FTC identity theft report is filed with a law enforcement agency, it is imperative to comply with the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I am willing to give you one final opportunity to process my request regarding my identity theft. Failure to do so will leave me with no choice but to seek legal recourse in the courtroom, where you will be held responsible for the damage inflicted upon my reputation, credit, and emotional well-being as a result of this issue. It is highly likely that the significance of the material facts will become abundantly clear, and you will be required to compensate me for your negligence.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule XXXX ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 

Account Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX INQUIRUES : XXXX XXXX XXXXXXXX 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 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

I have my credit file frozen with XXXX, XXXX, and Equifax. 

I plan on applying for credit so I am unfreezing my credit reports with these 3 agencies. I was able to unfreeze easily with XXXX and XXXX. 

I am encountering problems with Equifax and unable to get a resolution. 

I am unable to log in to Equifax website after supplying correct credentials. It reports an error and asks I call XXXX. 
I call the XXXX XXXX number and I am prompted to answer identity questions, which is understandable. However the automated system is unable to receive any answers either by voice or by keypad. This must be a technical problem. The phone system is unable to verify my identity, but then transfers me to wait for a representative. However the wait for a representative is prohibitively long due to " exceptionally high call volumes. '' There is no indication of wait time and no option for call back. 

I am unable to move forward to apply for credit because I can not unfreeze my Equifax credit report.
Consumer complaint received 2024-04-22
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. (UT)

On XX/XX/year>, I formally notified this agency via certified mail of my status as a victim of identity theft. Despite this notification, as of today, XX/XX/year>, the agency persists in reporting information stemming from the identity theft incident. 

As per Section 605B, Block of Information Resulting From Identity Theft, consumer reporting agencies are mandated to inform furnishers of information, including financial institutions, that such information may be linked to identity theft and that an identity theft report has been filed. In compliance with this requirement, I provided FTC report numbers XXXX, along with a requested block. 

Under Section 623 ( a ) ( 6 ), furnishers are obligated to block the reporting of any information in a consumer 's file identified as resulting from identity theft within four business days upon receipt of : appropriate proof of the consumer 's identity ; a copy of an identity theft report ; identification of the disputed information by the consumer ; and a statement from the consumer affirming that the information is unrelated to any transaction they initiated.

All four requisites have been fulfilled by me and will be enclosed with this complaint. However, the agency has failed to comply with the FCRA 15 U.S. Code 1681c2, which mandates the blocking of reported information within the stipulated four business days upon receipt by the agency. This failure constitutes a violation of the law and renders the agency civilly liable for willful noncompliance under 15 U.S. Code 1681n, subject to any actual damages I have sustained as a result of this negligence
Consumer complaint received 2024-08-13
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. (MO)

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 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I earnestly request the removal of this entry from my credit report as it is not mine and appears to be fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about its impact on my creditworthiness. I implore you to conduct a thorough investigation and promptly rectify this error by removing this inaccurate information from my credit profile.
Consumer complaint received 2024-08-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NJ)

1.Even though I have requested several times, Wells Fargo ( XXXX XXXX XXXX XXXX ) refused to advise me IP address, device name, location and time/date of 2 unauthorized bill pays due to their policy.

It is against EFTA regulation E.

PLEASE SEND ME IP ADDRESSES, DEVICE NAMES, LOCATIONS and TIME/ DATE of 2 unauthorized bill pays and bill pay add. PLUS ALL THE PAPERWORKS PLEASE! 

2.XXXX XXXX XXXX XXXX  at Wells Fargo is not capable to handle investigations. Their default decision is same. ( transactions were made in secure online banking session. There was no fraud????? Case is closed. ) I wonder they did really investigation. It seems they are working from home. How can they investigate from home? They call for nothing sometimes.

Please let other capable department ( not subcontractor ) reinvestigate.

3. In addition to no IP etc, Wells Fargo does not send all the paperwork they used.

4.Nobody cares about temporary credit I deserve. 

Stop my suffering by refund of XXXX XXXX  -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- From my Wells Fargo online account, I found in the morning of XX/XX/year>, 2 unauthorized bill pays ( XX/XX/year> : {$3100.00} and XX/XX/year> : {$700.00} ) were made. I went to local branch and filed a fraud claim ( case no.XXXX  ). 

On XX/XX/year>, 10 business days later, while chatting online about refund, Wells Fargo said they can not refund because they thought I myself made online banking session. I did not. I found that above 2 bill pays went to XXXX XXXX Credit Card account owned by XXXX XXXX with no XXXX according to proof of payment history on my online account.

Please help me get this money back ( total {$3800.00} ).

I filed a couple of affidavit of online fraud forms. 
Wells Fargo can ask a reverse payment to XXXX XXXX and refund me. I do not know XXXX XXXX XXXX  credit card customer.
Consumer complaint received 2024-08-13
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 reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXX Balanced {$9900.00}
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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. 

Inaccurate Information : XXXX XXXX  XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NM)

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.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.