davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-26
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)

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

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

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

FOLLOW UP. I FILED A COMPLAINT 30 DAYS AGO STILL NO RESULT. THIS IS UNDER FEDERAL LAW, 
YOU HAVE 30 DAYS TO COMPLETE YOUR INVESTIGATION. THESE NEGATIVE ITEMS ARE HIGHLY DAMAGING MY CREDIT REPORT AND CREDITWORTHINESS. 

On XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. XXXX XXXX XXXX, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. XXXX XXXX XXXX., No. 95-6445 (C.D.Cal. Nov. 14, 1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2024-07-26
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. (MA)

I submitted a complaint against the Bureaus a month ago, but the inaccurate information on my report remains unchanged. Surprisingly, I have not received any response or acknowledgment from them, and my complaint has already been closed. I am seeking clarification on why my complaint was closed without addressing the issue or verifying my dispute. I need assurance that they have thoroughly investigated the inaccuracies and validated the accounts on my report.
Consumer complaint received 2024-05-30
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: Experian Information Solutions Inc. (NC)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

Subject : Request for Correction of Inaccurate Late Payment Reporting Dear Experian, I recently reviewed my credit report and noticed some inaccuracies regarding late payments. Specifically, there are late payments listed on my report that were actually paid on time. 

I kindly request that you update these records to reflect " PAID AS AGREED '' status. Below, I have provided the account names, account numbers, and the specific dates that are inaccurately reported as late : 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 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 

These inaccuracies are adversely affecting my credit score and hindering my ability to purchase a new home. I would appreciate your prompt attention to this matter and correction of these errors. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-05-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (LA)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2023-11-17
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. (OH)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX & Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DE)

I have reached out to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Experian 3 times because they are inaccurately reporting an account as a current charge off in XXXX and XX/XX/XXXX but the account was closed and paid in XXXX. I reached out to XXXX XXXX to have this corrected. They stated they updated my credit reports but it did not correct my Experian report. I have been waiting for over 60 days for this correction to be made and at this point I have missed out on opportunities to open a checking account and other credit products because this reporting that XXXX XXXX admitted was incorrect has dropped my XXXX XXXX by over XXXX points. This unfair reporting is now XXXX me financially. I have filed a credit dispute and filed with the XXXX with no correction to my report. Attached is the letter from XXXX XXXX admitting the information was inadvertently reported. Please delete this inaccurate reporting.
Consumer complaint received 2023-12-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XX/XX/XXXX  I sent a Bill of exchange payment of {$3400.00} by Restrictively indorsing the coupon they had sent me in the mail and sent this instrument to the payment address on the coupon. ( Image 1 ) has the tracking information. I attached a cover letter ( Bank of America XXXX XXXX XXXX ) explaining the process and if they needed further information who they can reach out to. After not hearing back I decided to call Bank of America on XX/XX/XXXX  and they told me that they did not receive any payment. I explained how I sent a valid payment to the address on the coupon. They told me to call back later to see if it would update in their system. I called back on XX/XX/XXXX  and they said that they had not received payment or that it was lost. I then explained that if you guys lost or destroyed my payment per XXXX XXXX the amount due must be discharged. They did not discharge the debt and said that I was incorrect. I then sent another payment of {$3500.00} Registered mail to CFO XXXX XXXX with no response ( Image XXXX ). I was then notified that my account was closed on XX/XX/XXXX  without my authorization. On XX/XX/XXXX  I then sent Bank of America a Notice of Claim letter, my Power of Attorney document, and the contract for my credit card account. ( Bank of America Notice letter 1 ). I did this following the Federal Reserve Act section 16 which states that " In no event shall such collateral security be less than the amount of Federal Reserve notes applied for ''. This notice letter is a tender of payment and makes it a collateral security. I did not receive any update ( Image 4 ) tracking information. I was then called continuously by Bank of America saying that I owed a debt that I already paid, which I explained that I had sent them multiple payments. They again said that they did not receive anything from me. I then sent another Notice of Claim letter ( Bank of America Notice letter 2 original ) on XX/XX/XXXX ( image 5 for tracking ). They have not responded to this letter either. They have also reported my non-public transaction history to XXXX, XXXX, and XXXX without my written authorization. Bank Of America has been knowingly and willingly breaching their fiduciary duties and acting in bad faith per Federal Reserve Act Section 29. They are knowingly causing me substantial financial loss and reporting incorrect information to unaffiliated parties.
Consumer complaint received 2023-11-17
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. (TX)

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. 

Account Name : XXXX XXXX Account XXXX has violated my rights. Or list of inquiries 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 2023-11-07
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial (CA)

On XX/XX/23 I regrettably accepted a {$700.00} loan from Spotloan online, having been redirected from a loan finder website that takes a borrowers personal information and sells it to whichever lender accepts. I accepted the loan under the impression I could easily make extra payments on the principal, with no prepayment penalty. 

Unfortunately, once I had set up an online profile within Spotloans payment portal, I was very frustrated to realize that their repayment options were suspiciously limited. Through their online platform, I only had the ability to pay double the minimum bi-weekly payment of {$130.00} ( for a total of {$270.00} ), or the full balance plus interest accrued up to that day. 

These limitations seem designed to make repayment difficult, and near impossible to avoid getting hit with outrageous interest charges at a 490 % APR, definitely in violation of my state of Californias usury laws. 

To date I have paid {$2700.00} with interest on a {$700.00} loan, due to business practices that almost certainly violate UDAAP guidelines. My original loan agreement is attached in a PDF file. Spotloan is the DBA name of their parent company, Blue Chip Financial, a tribal loan company operating in the state of North Dakota.
Consumer complaint received 2024-06-17
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. (NY)

I was never late on my payments, yet there are 30, 60, and 90-day late remarks in my payment history. This is a clear violation of 15 U.S. CODE 1666B. These inaccuracies must be REMOVED from my payment history immediately. 

XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> Experian requested and obtained a copy of my consumer report without my consent or a permissible purpose, in clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. According to 15 USC 1681b ( a ) ( 2 ), a consumer reporting agency may only furnish a consumer report when provided with written instructions from the consumer to whom it relates. I did not provide such written instructions.

This company 's conduct has blatantly violated my privacy, and I am extremely upset by this unwarranted invasion. Under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both ( 15 U.S.C. 1681q ).

DELETE this unauthorized inquiry from my report immediately!
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX RE : ONEMAIN XXXX XXXX Dear XXXX XXXX : Please remove the bankruptcy notation from this account. I filed for bankruptcy to stop the foreclosure of my home. I did not include this OneMain account in my bankruptcy. I dismissed the bankruptcy soon after I filed it. 

I do not believe this account should be reported on my report because I did not open it up. But even if the account did belong to me, the balance is incorrect. Although the collateral ( automobile/vehicle ) securing this loan has been given to OneMain, there has been no credit to the balance. Please reduce the balance by the value of the collateral that has been returned to OneMain. 

Yours truly, XXXX XXXX XXXX
Consumer complaint received 2024-03-15
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. (GA)

I am writing to lodge a formal complaint regarding the inclusion of unauthorized accounts on my credit reports held by XXXX, Experian, and XXXX. Specifically, I demand the immediate removal of the following accounts XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX. Despite these accounts being verified, no method of verification was sent to my address within the mandated 15-day period.

This failure to provide proper verification leads me to suspect potential identity theft, as unauthorized non-consumer report information has been added to my credit files. I am granting the credit bureaus a generous 30-day window to remove these accounts. For each additional day that these accounts remain on my report beyond the allotted time frame, I will be charging the credit bureaus XXXX XXXX dollars per day. 

Furthermore, I will be reporting this incident of identity theft to the Federal Trade Commission ( FTC ) and the Internal Revenue Service ( IRS ) for further investigation. 

I expect immediate action to rectify this matter and prevent any further damage to my credit and financial well-being. 
XXXXXXXX XXXX XXXX  account as well
Consumer complaint received 2024-05-28
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. (GA)

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


1. there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXXXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-11-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America has a policy on its checking account that one has to either have 1 ) direct deposit of {$250.00} or more every month or 2 ) maintain a minimum daily balance of {$1500.00} or more every month.

I can not set up direct deposit through my employer so I go with the second option. The bank continues to charge me {$12.00} per month.

Originally their policy defined minimum daily balance as an average. At some point it changed because now they say if the balance falls under for one day, the {$12.00} charge is assessed each month. This is misleading, if not a bait and switch, since most banks define minimum daily balance as an average. And the fee is assessed on a monthly basis not a daily one. Bank of America is not clear in its literature - I had to call someone in person to get a definition.
Consumer complaint received 2023-09-11
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. (GA)

I recently conducted a comprehensive review of my credit report as part of my professional responsibilities and was deeply troubled to uncover a significant number of unverifiable, invalidated, inaccurate, and questionable items. It is imperative that your agency ensures the absolute accuracy of the information it reports. 

As mandated by the Fair Credit Reporting Act, it is incumbent upon credit reporting agencies to maintain a credit report that is 100 % accurate. These accounts, as outlined in both 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), are in clear violation of this crucial requirement. 

I expect prompt and thorough action to rectify these inaccuracies in compliance with the law and industry standards. Your agency 's adherence to these regulations is essential in maintaining the integrity of the credit reporting system.
Consumer complaint received 2024-05-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Thanks. 

While Transunion had a XXXX score listed on the paper form that was higher than the online bank XXXX score for XXXX XXXX ( that uses XXXX ) and while the XXXX paper XXXX score of XXXX was highest ( XXXX ), no score was appearing on the online XXXX statement that lists the scores for XXXX, XXXX, and Transunion. 

Transunion and XXXX stated that XXXX XXXX is to update them.