davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

Hard enquiries were done on my report without me knowing and i dont recognise any 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (CA)

Affirm reported 2 late payments over 60 days in XXXX to XXXX. The company, due to financial hardship, agreed to forbearance and assured that they would not be considered late or affect credit. There was literally no payment due shown on the account page ; this extremely predatory behavior towards the consumer on their part. The company refuses to respond to several emails I have sent to request evidence that the payments were due ( I received no statements or notification that payments were due or late ). I attached the only responses I have ever received from them in writing, which states they " will look into and respond within 24 hours '', which never happened.

During a phone conversation, a representative of the company claims they had sent 10-20 text messages to my phone alerting me to the payment issue, however they were never received and the company can not provide evidence of ever alerting me of the issue ( the phone company verified this ). I do not appreciate their lies affecting my credit.

Please assist in correcting this, I have no other late payment records on my credit as this is not something I would ever let happen and it is now negatively affecting my ability to apply for things I need. 

Thank you.
Consumer complaint received 2024-06-21
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. (AK)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXXXXXX
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (FL)

" Someone and some financial agencies are trying to access my credit data. I am reaching out to kindly request the processing of my opt-out request as soon as possible with XXXX XXXX XXXX Please prioritize this matter for prompt action. I have tried to email them, at Innovis Consumer Assistance XXXX XXXX XXXX XXXX, GA XXXX But I am not getting any response or completion of my request. I ahve also submitted the Innovis Credit Report Request Online form and NO SUCCESS. 
"
Consumer complaint received 2024-06-21
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)

My account with ( XXXX, XXXX, ) 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 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. 


( 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 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

" Someone and some financial agencies are trying to access my credit data. I am reaching out to kindly request the processing of my opt-out request as soon as possible with XXXX XXXX  XXXX Please prioritize this matter for prompt action. I have tried to email them, at XXXX XXXX XXXXXXXX, a part of Experian Consumer Support Division XXXX XXXX XXXX XXXX, XXXX XXXXXXXX But I am not getting any response or completion of my request. 
"
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I am writing to dispute the accuracy of the information being reported on my credit report by XXXX XXXX, XXXX, and Experian. Upon reviewing my credit report, I have identified discrepancies in the reported open dates and high credit amounts, which I believe to be in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681. 

As per the FCRA, it is imperative that accurate information is reported by credit bureaus and creditors alike. However, the inconsistent reporting by XXXX XXXX, XXXX, and Experian has led to discrepancies in my credit report, specifically regarding the open dates and high credit amounts associated with my accounts. 

Furthermore, the discrepancies reported by XXXX XXXX, XXXX, and Experian are not only inaccurate but also constitute a violation of the Privacy Act of 1974. This act mandates the protection of individuals ' personal information held by federal agencies, and any violation thereof is unacceptable. 

In addition, I am exercising my right under 15 USC 6802 to opt out of the reporting of this account on my consumer report. Therefore, I formally request that XXXX XXXX cease reporting this account to XXXX and Experian effective immediately. 

I request that XXXX XXXX, XXXX, and Experian conduct a thorough review of their reporting practices to ensure compliance with the FCRA and the Privacy Act of 1974. It is imperative that accurate and compliant information is provided to credit reporting agencies to protect the rights and interests of consumers. 

Please consider this letter as a formal dispute under the provisions of the FCRA and the Privacy Act of 1974. I expect XXXX XXXX, XXXX, and Experian to take prompt action to address this matter and provide confirmation of the actions taken to rectify the inaccurate reporting. 

Thank you for your attention to this matter. I anticipate a timely resolution of this dispute. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-21
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)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my ( CHANGE TO NAME OF BANK ACCOUNT ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-04-26
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)

I am writing to dispute a late payment that is inaccurately reported on my credit report. I have carefully reviewed my payment history and have confirmed that this late payment entry is erroneous. 

As per the Fair Credit Reporting Act, I request that you investigate this matter and remove the inaccurate late payment from my credit report promptly. This erroneous information is unjustly damaging my creditworthiness and hindering my ability to access favorable credit terms.
Consumer complaint received 2024-09-11
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: EQUIFAX, INC. (SC)

I am writing to inform you of a recent identity theft incident that has resulted in the fraudulent addition of several accounts and one unauthorized inquiry on my credit report. These entries were made without my knowledge or consent, and I am requesting their immediate removal. 

Accounts 1. XXXX XXXX : XXXX XXXX. XXXX XXXX XXXX : XXXX Inquiry - XXXX XX/XX/2023 An official identity theft report has been filed with the Federal Trade Commission ( FTC ), and I request the prompt removal of these fraudulent accounts and the unauthorized inquiry to ensure the accuracy of my credit report.
Consumer complaint received 2024-09-11
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: EQUIFAX, INC. (FL)

On XX/XX/2024, I submitted an FTC Identity Theft Report and Police Report along with other documentation showing that my personal information was compromised. There were 3 fraudulent accounts opened in my names.
Consumer complaint received 2024-04-26
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 2024-04-26
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (MO)

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX, XXXX XX/XX/2024 National Credit Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear debt collector, I am writing to dispute the accuracy of the information contained in my credit report. According to the report provided by your agency, there are discrepancies in the original loan agreement and payment history.Firstly, the reported original loan amount appears to be inflated. Upon reviewing my records. However, the credit report reflects a higher figure, which does not align with the actual agreement.Secondly, the payment history provided is inaccurate. It shows missed payments and late payments that are not reflective of my actual payment history. I have diligently maintained payments in accordance with the agreed-upon terms, and there should not be any instances of delinquency reported.I request that you investigate these discrepancies and promptly correct any inaccuracies in my credit report. Please provide me with a written explanation of the actions taken to rectify these errors.Enclosed are copies of documents supporting my claims, including the original loan agreement and payment records.Sincerely, XXXX XXXX. 

Also I never gave consent to have my consumer report look over or gave the permission to have my privacy invaded. I feel that was wrong to have not been informed of the selling of my information to this debt collector without first verifying with me if it was okay and also to verify the correct accurate information that's being reported as well. I ask for this debt collector to produce legitimate evidence that this debt belongs to me and has the right to invade my privacy with out my permission. I look forward to a response as soon as possible. 

I have no information to provide as I haven't received any documentation from XXXX XXXX the original creditor of this account.
Consumer complaint received 2024-04-26
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. (PA)

My name is XXXX XXXX XXXX XXXX, and I am writing to dispute certain items on my credit report. These items are invoking my rights under the fair credit reporting act section 15 USC 1692G and 15 USC 1681-S-2 upon review I have identified inaccuracies that require immediate attention. Please investigate, update, correct and remove these discrepancies promptly. Also in accordance with 15USC1681-C-2 it refers to blocking information resulting from identity theft from appearing on a consumer 's credit report. This section outlines the process by which I as a consumer I am requesting that information from identity theft be blocked from my credit report. As well as it is the responsibility of the credit reporting agency and handling this request. Additional Unauthorized Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2023-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

This collection company has put a collection debt on my credit report for {$2600.00} that I do not owe and I have never received any documentation. I am requesting that this company be notified and the debt be removed from my credit report. This is a fraud report and this company did not follow the Fair Debt Collection Practices Act. The account that is being reported on my credit report is below : One of your accounts has been reported as a major derogatory item on your credit. 
Reported By : XXXX XXXX XXXXXXXX XXXX  Creditor Contact : XXXX XXXX XXXX XXXX XXXX, UT XXXX Account Type : Other collection agencies Balance Amount : {$2600.00} In Collections : Yes Payment Status : XXXX XXXX XXXX ( Collections ) Status XXXX
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I disputed incorrect negative items on my credit report with Transition, XXXX, and XXXX. The items came back verified by all XXXX credit bureaus, so I responded with a verification letter asking for methods used when investigating my disputes. I also asked for a list of documents and correspondence including names and contact information of employees that were spoken to as part of the investigation. According to my rights as a consumer under FCRA 611 ( a ) ( 7 ) I have the right to request a complete description of all methods used to investigate my aforementioned dispute. I have not received a response from the credit bureaus so I am asking for this to be resolved and items requested removed from my credit report.
Consumer complaint received 2024-06-19
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK (TN)

On or about XX/XX/year> XXXX XXXX XXXX informed me via telephone that XXXX XXXX in Florida named me as co signer on a credit card app. I said I had not authorized such action and to deny the request. 
On XX/XX/year> XXXX  XXXX XXXX informed me via telephone that someone in Florida attempted to use me as a co signer. I did not agree and told them so. 
At the advice of my bank mgr. I closed all three credit reports. 
On XX/XX/year> I received a third call, this time DISCOVER BANK to ask if I had authorized XXXX and XXXX XXXX to use me as a cosigner on a Discover loan. I denied that request. 
All three calls came from a young female XXXX with a thick accent. They all offered to transfer me to the " XXXX XXXX XXXX. ''
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Cascade CISS Holdings, LLC (CA)

On XX/XX/2023 CREDIT PLUS performed a hard inquiry on my credit report. I am extremely careful about the information on my credit report and the accounts that are open. Recently, I checked my credit report on the XXXX website and discovered that Credit Plus had checked my credit. Before this, I had sent them multiple letters asking them to please provide me with the correct and proper documents showing that I was the one who applied with them, but they have failed to do so. Please see the attached FTC report at this time.
Consumer complaint received 2024-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX my niece contacted my concerning some issue with her debit card and if I had a joint account with her. This information was given to her by the employees of the bank. I then decided to contact the bank that is when I was told that my debit card was closed by the fraud dept. on behalf of a call that was placed by my niece concerning her debit card being lost or stolen. I was told my card was lost or stolen meanwhile my card that chase bank compromised is still in my possession of as this date XX/XX/XXXX. on XX/XX/XXXX I was also advised that my niece is a signer on my account and also the beneficiary. I was advised to visit a branch location to resolve this matter. I was asked why did the fraud dept. send me to the branch location when they were the ones who initiated the problem. At the branch I was also advised by an employee on the phone that my niece is a signer on my account making my account accessible to XXXXhree individuals where by there are only two signers on my account my self and my daughter and my debit card was lost or stolen. After that date I placed several calls to the bank trying to find out how and why my card was closed since my niece called concerning her account. One employee even told me that the beneficiary can conduct transactions on any account. I eventually got a claim initiated with the executive department. In the interim of waiting on this matter to be resolved my car insurance, my apple account and my legal shield was almost cancelled due to these accounts being linked to my Chase debit card. The matter was eventually resolved per the executive office after approx. 6 weeks. I had to request documents as such but this letter does not explain what happened and caused my debit card to be closed by an individual who has no personal ties to my account other than being the beneficiary on the account. The most I received from XXXX is an apology and the letter is verbiage that the executive office approved to be sent out to myself.