davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-15
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. (WA)

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 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurately reported. I am owed {$1000.00} for each erroneous entry on my credit file.
Consumer complaint received 2024-05-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX We were misled regarding the information of the XXXX. They promised that we would have true ownership of our time with a deed. This is not true as this is a membership not ownership. All paperwork states that we are owners and labeled on our credit report as a XXXX. Also, they agreed not to pull my wifes credit or add her to the deal and they did the opposite. In addition, XXXX XXXX no longer exists as they were acquired by XXXX. They then tried to convince us to sign over to XXXX knowing that they are in the process of dissolving XXXX XXXX which automatically relinquish me and my wife from any previous contract with XXXX XXXX. We did in fact let them know we were no longer interested in the timeshare as we addressed the issues we mentioned previously. Now they are falsely reporting on our credit report just to ruin our credit in retaliation as they know XXXXXXXX XXXX is soon to be completely dissolved. 

There are multiple complaints from their members for the issues mentioned as well as other deceptive practices being performed by XXXX XXXX. 

We are requesting an investigation into the XXXX  companys practices, enforcement actions against the company, and other remedies to address deceptive practices.
Consumer complaint received 2024-05-15
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. (TX)

The following Account was paid in full in Accordance with XXXX XXXX XXXX by creditors policy 's so please update to paid in full and balance of {$0.00} as shown by such filed XXXX.
Consumer complaint received 2024-05-15
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. (SC)

On XX/XX/year> a fraudulent account was opened in my name at XXXX XXXX without my consent. I have attempted to dispute it and have it remove however the credit continues to inaccurately violate my consumer rights by reporting it. In addition, each credit bureau also illegally reports this fraudulent account as well. There is current a balance reporting of {$18000.00}
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with the company 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.
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 — Problem with personal statement of dispute
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I am filing this complaint against USAA for the unauthorized disclosure of sensitive account information and what I believe to be discriminatory treatment. The insurance policy in question is in my husband 's name, XXXX XXXX, with Policy Number XXXX XXXX XXXX, and I am also listed as an insured on the policy under the name XXXX XXXX. On Monday, XX/XX/2024, and Wednesday, XX/XX/2024, I received voice messages from an individual named XXXX with USAA ( contact number XXXX, extension XXXX ) discussing the status of our insurance policy, including information about its termination, without my authorization. This is a clear violation of my privacy rights under the Gramm-Leach-Bliley Act ( GLBA ), which mandates the protection of consumers ' financial information by financial institutions. Additionally, this unauthorized disclosure may also constitute a violation of my rights under state privacy laws and could be considered an unfair or deceptive practice under the Fair Debt Collection Practices Act ( FDCPA ). Furthermore, I believe that USAAs actions were racially discriminatory, as their handling of our account differs significantly from how they treat non-Black customers. Due to the unauthorized disclosure of sensitive information and the emotional distress caused by these actions, I am seeking the maximum financial compensation allowed to address the harm and inconvenience caused. I request a thorough investigation into these practices and appropriate corrective actions to ensure that such breaches do not occur in the future.
Consumer complaint received 2024-06-12
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. (IL)

I discovered several inaccuracies on my credit report from TransUnion, which have significantly impacted my credit score and financial health. These errors need to be rectified immediately to prevent further damage. Here are the details of the disputed items : XXXX. XXXX XXXX Credit Card Account ( Opened on XX/XX/XXXX ) : The account shows a series of late payments, which are incorrect. Payments were made on time, but due to administrative errors, they were reported late. Despite multiple attempts to contact XXXX XXXX to correct this, the errors persist. 
XXXX. XXXX XXXX XXXX Account ( Opened on XX/XX/XXXX ) : This account is incorrectly reported as in collection. I have never had an account with XXXX XXXX XXXX, and this appears to be a case of mistaken identity or fraudulent activity. 
XXXX. XXXX XXXX XXXX XXXX Account ( Opened on XX/XX/XXXX ) : This account is reported in error as in collection. I have never opened an account with XXXX XXXX XXXX XXXX, indicating potential identity theft or clerical error. 
4. Public Record - Bankruptcy ( Reported on XX/XX/XXXX ) : The public record for bankruptcy is inaccurately reported on my credit report. I have a letter from the court stating that they do not report bankruptcies to credit bureaus. 

These inaccuracies have had a profound negative effect on my financial health, including my ability to secure loans and other credit. Given the severity of the impact, I am requesting an immediate and comprehensive review and removal of these erroneous entries from my credit report within XXXX hours.
Consumer complaint received 2024-05-15
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. (FL)

this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor XXXX from any of the following inquiries. Block and remove them.
Consumer complaint received 2024-05-15
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. (VA)

XXXX, XXXX refuses to verify these fraudulent debts which have been identified and reported as being the result of identity theft. XXXX, XXXX also continues to report these fraudulent accounts to Experian as being valid when XXXX XXXX XXXX is knowingly failing to comply with the law and has sent me emails stating that they will not reinvestigate the following fraudulent accounts, which is a direct violation of the FCRA. I have a right to dispute any and all inaccuracies appearing on my consumer report an unlimited amount of times until I find that no inaccuracies exist and every data furnisher is likewise required by the FCRA to investigate all disputes filed by a person who is challenging any inaccuracy being provided by that data furnisher on the affected consumer 's report. No statute authorizes a data furnisher to state to a consumer in writing that the data furnisher will ignore all future communications or requests to reinvestigate a claim or dispute filed by a consumer nor that the data furnisher 's decision is final regarding a dispute. XXXX, XXXX is not respecting the law and more importantly, not respecting my rights. Please delete ALL SIX of these fraudulent accounts from my Experian credit report immediately. I did not authorize nor apply for any loan, product or service with this company and again, when I demanded specific documents from them, XXXX, XXXX refused to provide these debt verification documents as well as the information I requested in order for me to try and determine who is misusing my stolen identity credentials and personal information. The following XXXX  accounts can not continue to remain on my credit report without running afoul of the FCRA and subjecting Experian to joint civil liability alongside XXXX, XXXX : XXXX, XXXX Acct. # XXXX XXXX XXXX XXXX Acct. # XXXX XXXX, XXXX Acct. # XXXX XXXX XXXX XXXX Acct. # XXXX XXXX XXXX XXXX Acct. # XXXX XXXX XXXX XXXX Acct. # XXXX
Consumer complaint received 2024-05-15
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. (MO)

New Info_ Complaint : This isn't a Duplicate Complaint : FTC complaint attached. 

XX/XX/2024 I contacted XXXX Bank ( Card holder for the XXXX XXXX ) before XX/XX/2024, regarding a fraudulent account created by an unauthorized person in my name. Despite my request, they delayed closing this account until XX/XX/2024. I demand the immediate deletion of this account from my credit report as I have no knowledge of it. XXXX XXXX # XXXX I contacted the XXXX XXXX and they confirmed this card was used without my consent. There's no record of my name, email, address or phone number being associated with these purchases. 
This has now had a negative effect on my credit, taking my score below XXXX in just one day. I've attached a copy of my FTC report filed, XX/XX/2024 when my score was still XXXX. As of XX/XX/2024 it dropped to XXXX solely as a result of this fraudulent account being reported closed instead of being deleted.
Consumer complaint received 2024-07-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

The phone number I provided is my work phone number in which I asked Portfolio recovery to never call because we are not allowed to recieve phone calls at work., Last phone call occured on XX/XX/year> at XXXX, the number wthat I received a call from freguently is XXXX, Also I recieved a letter on XXXX, from a solicitor lawyer asking to represent me and defend against a civil suit from Portfolio recovery, I have not been served yet, but I will seek some legal help once I save up the money.This company also calls my personal phone after they call my office work phone. I was recently disciplined because of this last phone call from portfolio recovery associates. I have asked on XXXX separate occasions not to call my work, and that it is a against the Fair Debt Collection Practices Act ( FDCPA ). This harassment is becoming sickening and it is embarrissing me at work, and has now starting to make life financially unfeasible.
Consumer complaint received 2024-05-15
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. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX CO XX/XX/year>
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (VA)

Apple Inc prompted me to apply for their credit card, the Apple Card. Before the application, it said that it will have no effect on my credit score. After I filled the application, my credit score was lowered due to their hard enquiry. I called them and told them that it was clearly said that there will be no effect on my credit score. They said yes we said that but there is effect and we can't help you reverse it. This is fraud.
Consumer complaint received 2024-05-15
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. (GA)

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 2024-07-15
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 am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Consumer complaint received 2024-05-15
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. (NY)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-05-15
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. (OH)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  XXXX  Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX,
Consumer complaint received 2024-07-14
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I cosigned the loan for a certified preowned XXXX XXXXXXXX. My XXXX could not continue with the payments because of a safety recall or service campaign that was declined due to the manufacturer stating that they were not obligated to inform a second owner of a recall and the prerequisite recall was not addressed. Fifth Third Bank reposessed the car instead of trying to support us with the issue. They then added additional fees and when I called to ask why the additional moneys were owed, the representative just told me that they could not know ahead of time what fees would accumulate. They added about a XXXXXXXX XXXX more to the car note amount owed. I finally worked hard to pay it off and picked the car up from the impound lot. I paid it off and also had to pay my mechanic {$2000.00} to look at it. He tried his best and repaired the engine. by this time it cost me about {$3000.00}.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

I am writing regarding my credit report, which contains inaccurate and incomplete information that requires your attention. The reason for my dispute is that your agency has not provided sufficient information to verify the debt in question. XXXX and XXXX, another credit bureau, has already corrected the inaccuracy these accounts from their records due to an identified error. I am perplexed as to how you have verified these accounts while the other bureaus have updated it. Therefore, I request that you correct these accounts from my credit file as it is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TX)

I have not used moneygram to send money abroad since XXXX  when this apparent problem arose. However, upon attempting to send money to a friend in XXXX XXXX XXXX the Moneygram service denied me again XXXX years later, tonight XXXX XXXX. I continued to ask for specifics of what violations I had engaged in but Moneygram is not willing to provide me any information but simply to deny me access. The person is in need of the small amount I was sending, {$50.00}, yet Moneygram is blocking and preventing me from utilizing their service to send the money. They assume a posture of the alleged subject of sinister acts being guilty without a willingness to explain to them, me, as to what is the basis for the allegations and the action to deny me access to send money. Their arrogance and virtual ambivalence towards my request to articulate what I have allegedly done wrong appears to be simply callously dismissed. This conduct of Moneygram agents and managers has caused me to experience significant trauma and mental anguish unnecessarily behind some false, yet unknown allegation against me.
Consumer complaint received 2024-07-15
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)

PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.
Consumer complaint received 2024-05-15
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. (NC)

I was a victim of identity theft and I am currently in XXXX XXXX XXXX XXXX XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.