davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-04-25
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. (AZ)

I recognize that under FCRA 605B, it's crucial to eliminate any erroneous accounts from my credit report. Would you kindly review the documents? I've observed that a significant number of the listed accounts appear to be incorrect, and this is troubling to me.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bonneville Billing and Collections (OR)

A couple years ago I ended up having some medical debt put to collections by Bonneville Collections. I was recently hit by a car and had to have XXXX. Again the medical bills went to collections for that account. Boneville called my lawyers asking to speak with me about my previous debt. This was on XX/XX/2023. It was my understanding under the FDCPA they were only allowed to talk to myself or my spouse about my debt? They are trying to talk to my current lawyers on my car accident case about debt from 3 years ago.
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX credit card has been reporting payments from XX/XX/XXXX to XX/XX/XXXX. XXXX they said my missed payments were XXXX and XXXX and then when I prove them wrong by showing that my bank statement and now they changed it to XX/XX/XXXX saying I was late sent them proof of my bank statement showing that I did pay I didn't make a payment. I've disputed it probably about 20 times in the writing and every time they come back saying that I missed the payments when I didn't. My bank statement is not lying, I have a 98 % payment history so the only two that's preventing me from 100 % are these miscellaneous payments that I know I did not mess because I have the bank statements to prove it. I have been trying so hard to build my credit, and they keep holding me back as well as a collection agency that keeps opening and closing and I know I don't owe them a dime because I paid it off in XXXX beginning of XXXX. I can't get them to fix issue. I've emailed them and disputed the late payment, and even though I sent bank XX/XX/XXXX to XX/XX/XXXX they refuse to change it they just switch months and say I was late different months when I would be off on one credit report it says XXXX and XXXX the other one it says XXXX and XX/XX/XXXX it's already been over two years and they still continued to say I was late, but I know I was not Im over it my credit score finally was up to XXXX and because I use the fee was my credit cards my credit score went down drastically to XXXX and XXXX and even though I have paid off most of the balances already a week later, they decided to lower my score anyway and it's really getting ridiculous because they drop it so dramatically and it's taken me XXXX years to get to XXXX and now I'm back at the bottom again
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

REMOVE ALL FRAUD ALERTS AND FRAUD MARKERS/INDICATORS FROM MY FILE
Consumer complaint received 2024-02-14
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc (TN)

Essentially, a potential fraudulent third party seller by the company name XXXX XXXX XXXX on XXXX refuses to respond to me when my package was never delivered. XXXX will not do anything about it I have tried and I have proof of the package never delivering which has been sent to Affirm XXXX times now. My dispute constantly gets denied regardless of the evidence I provide no matter how irrefutable. I am currently trying a XXXX time after going to my local police department and getting a police report done for further evidence. Ive also been told by affirm to wait XXXX days and I wait the days and get no response. Its like they are too lazy to actually look into it. ANYONE can find out that the package was never delivered to me by calling XXXX, requesting a representative, and telling them my tracking number and address. After you tell them this, they will say that was never the address the package was supposed to deliver too. Additionally, SOMEONE ELSE signed for the package. I have proof of this, being its through the tracking number on XXXX. I also cameras of my residence in which nothing was ever delivered to me or my neighbors. Affirm saying that the items were delivered is based solely off XXXX online system and they are doing no extra digging into the actual shipping company. I have way more proof than what I have attached of my order never arriving but I can not send videos or screen recordings to you all at CFPB. Ive also report the XXXX XXXX business to the XXXX of New York through consumer affairs and consumer affairs in Tennessee.
Consumer complaint received 2024-04-25
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)

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.

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 informationisinaccurate.
Consumer complaint received 2023-09-15
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: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I sent a letter Last XX/XX/XXXX to remove/delete these items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been denied claims for unauthorized transactions and Bank of America failed to conduct a proper Error investigation. They denied my claims for a XXXX unauthorized transfer stating that I was scammed of my money and not fraud. And now that XXXX XXXX implemented for scammed victims reimbursement quick to disregard stated they never heard of policy. The bank continues to be Non compliant with Consent Orders and has not given any Redress to harmed affected consumers. Bank of america NA have failed to protect accounts and continues to abuse consumers account with their deceptive practice. They violated consumer legal rights and laws.
Consumer complaint received 2023-09-21
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: Experian Information Solutions Inc. (GA)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. I! ve received emails and letters saying I! m using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.
Consumer complaint received 2023-09-21
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. (GA)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. I! ve received emails and letters saying I! m using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.
Consumer complaint received 2023-10-25
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (FL)

I received an American Express gift card for XXXX. I tried to use it online for a purchase of XXXX and it was declined. I was able to use it after a few tries at different online vendors to add XXXX $ to my XXXX account, but after that transaction, the card is declined everywhere I try it. There's XXXX left on the card that I can not use at all.
Consumer complaint received 2023-10-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NJ)

I spoke to a 3rd party in XX/XX/XXXX and got enrolled for Repaye/PSLF program for my student loans. I payed $ XXXX plus {$98.00} every month thereafter until XX/XX/XXXX. I called XXXX my student loan provider where they told me that money was never applied to my loans or my mothers loan which was a student plus loan. 
The representative I spoke to in XXXX there supervisor XXXX, explained to me to reach out to you guys in regards the matter, because this was a 3rd party charging me for services I could have received for free
Consumer complaint received 2023-12-02
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Atlanticus Services Corporation (CO)

I had an account with Fortiva, which is the company that I pay for my home security equipment. They opened a credit card in my name without my permission, saying they had sent me a notice on XX/XX/XXXX that I had 45 days to opt out of this credit card. I didn't receive this notice, but it's an extremely deceptive business practice! I searched through junk mail and my focused inbox and there was NOT an email from them. I called them and this was their explanation. I told them to cancel this card IMMEDIATELY, which they said they did. Because they opened this credit card ( without my knowledge ) my XXXX credit score went down. I told them to rectify this with the credit bureaus, but they refused. This is outrageous! I did file a dispute with the XXXX credit bureaus, but my score didn't increase. I have worked so hard for years to get my score past XXXX and this SCAM greatly affected my score. I contacted them on XX/XX/XXXX. Below is their response : *************************************************************************************************** Dear XXXX XXXX, Thank you for the opportunity to serve you. This email is in response to your recent inquiry. 

We understand your concern. Our records indicate that your Fortiva XXXX XXXX XXXX XXXX account was upgraded to Fortiva XXXX XXXX account since your Fortiva retail account was in good standing. Please be advised that the change in terms email was sent to you on XX/XX/2023 and you had an opt-out option of 45 days if you had wished to reject these changes. Since the opt-out option was expired, your Fortiva retail account was systematically converted to Fortiva XXXX XXXX account and your previous balance was transferred as well. 

We appreciate and value your business. Please let us know if you have any further questions regarding your account. 

Thank you for contacting Fortiva Customer Service. 

Please note information you send to us contained within or attached to an email is not secure until it reaches our servers. 
*************************************************************************************************** THIS IS FRAUD!!!!! I believe I was targeted as a single, older female.
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Consumer complaint received 2023-09-19
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. (MD)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX, NY XXXX.
Consumer complaint received 2019-05-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BTH Management (CA)

There is a collection on my account that was posted in XX/XX/XXXX. I have disputed it with XXXX and I sent 3 letters of validation to this unknown company. I have never done business with Plaza services or loan by phone. This company has never called me and never responded to any letter after over 6 months. XXXX I have been disputing since XX/XX/XXXX on and I have a feeling this is from the XXXX and now 2 other breaches my information has been leaked. XXXX is also at fault for having no information on this company or correctly validating any of this information. Plaza services is fake or if they have been one of the robo callers that leave threatening recorded messages. I will never pay this collection company they never sent me anything by mail to dispute this and have violated the law and I will sue them for their violations of keeping on credit without proof, never responding to letters of violation and not never sending anything to dispute. With these violations alone I will sue for the max of {$5000.00} Consumer lawyer will has all of the documents and explained how they have violated the laws. XXXX is also at fault because since XX/XX/XXXX I have been sending them inquiries on my credit report that I never made and told them to remove and they still have not nor do they do their job in correctly validating them which has caused financial damage. I will not pay Plaza Services anything
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CT)

My name is XXXX XXXX XXXX XXXX am the living woman, executor, beneficiary of XXXX XXXX XXXX It has come to my attention that although I have written several letters asking for validation of debt, audit trails i am not getting any response because of the automated system you have in place which in fact is a violation as well.. I am demanding these accounts to be removed immediately off my credit report as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy.

I did not give consent to these accounts. Or permissible purpose.

I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me. 


DELETE THESE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX instructions are as follows : The following are all inquires, derogatory, collection, late payments, closed accounts anything negative all need to be removed effective and immediately.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

My name is XXXX XXXX XXXX XXXX am the living woman, executor, beneficiary of XXXX XXXX XXXX It has come to my attention that although I have written several letters asking for validation of debt, audit trails i am not getting any response because of the automated system you have in place which in fact is a violation as well.. I am demanding these accounts to be removed immediately off my credit report as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. 
I did not give consent to these accounts. Or permissible purpose. 

I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me. 


DELETE THESE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX instructions are as follows : The following are all inquires, derogatory, collection, late payments, closed accounts anything negative all need to be removed effective and immediately.