davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-08
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. (MI)

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.

has violated my rights. Or a 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 2024-08-05
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)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2021-02-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (CA)

A few years ago upon checking my credit report, I noticed a collections account listed by Midland Funding LLC with a " placed for collections '' date of XX/XX/XXXX. At that time my credit score dropped due to the listed collection ( which I deny owing ). Up until XXXX of XXXX my credit score had been at XXXX. At that time, I received notification from XXXX XXXX that my credit score dropped 53 points in one reporting period to XXXX. When I researched the reason for this precipitous drop, it showed that Midland Funding LLC had removed the collections account and reinserted the account as a " new account in collections '' in the same period under Midland Funding ( minus the LLC ), thus causing my credit score to plummet. This has caused my credit to drop below XXXX which will make renting an apartment or obtaining auto financing ( which I will need to do in the next few months ) very difficult. I contend that this is wrong, including the fact that Midland claimed the account in collections back in XXXX only to now reinsert as a " new '' account in collection and only removed the LLC from the listing despite it being the same company. This devious tactic should be reversed immediately as well as the collections account being removed permanently from my record.
Consumer complaint received 2024-08-02
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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 60 days to be removed. 


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


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


XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 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 8
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

Company refuses to remove late payments from credit reporting.

Not providing statements 21 days prior to .due date as required by law, violation of 15 US Code 1666b ( e ).

Company sent email response admitting the violation.

Picture of email attached.
Consumer complaint received 2024-07-26
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. (NC)

I am writing to express my concerns regarding several issues I have encountered with the credit bureau. These include inaccurate account listings, erroneous credit reporting, billing discrepancies, and accounts that do not belong to me.
Consumer complaint received 2024-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

There was an incident. I reported the individual to the ftc I believe. But this is the scenario. The persons supposed name : XXXX. Number : XXXX. His associate : XXXX XXXX. Another number of a supposed lender XXXX. Another number : XXXX Gave them the payment on XX/XX/year> What happened : I met this person on XXXX XXXX Their profile name was XXXX XXXX XXXX  This person was doing live streams saying they can get any business funded. After the live stream I talked to them on XXXX Then sent them text messages. They said they did this by buying XXXX XXXX and accessing the XXXX XXXX XXXX and putting the XXXX XXXX in an XXXX. They said the funding was guaranteed. They said it was gon na be XXXX worth of funding. The fee was XXXX, then XXXX for getting the XXXX  funded. They said it could take up to a week but a lot get funded in a day. I gave this person the info they asked for. They asked for my name, XXXX  name, XXXX, XXXX, Date of birth, email, address, XXXX  address, DL or passport/I gave them my passport because my DL was expiring, bank and XXXX and account number. After I gave them this info they blocked me on social media, and stopped responding to my calls and text messages. I know what these people are doing is trying to steal peoples funds and identity theft because they ask for peoples SSN, Date of birth and other things. 
I filed the dispute with bank of america and they denied my dispute of XXXX. These people above are scammers and I want my money back from them. Thank you
Consumer complaint received 2024-07-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY (SC)

I hired a service company that did not provide the services they charged me for. American Express keeps closing the dispute in favor of the merchant even tho I provided evidence of the merchant charging me for services and materials not provided. I have also tried working with the merchant directly and they stated they performed all the work and then threatened me to put a lien on my home. I also called the Department of Consumer Protection and spoke to XXXX XXXX, an investigator. He is charging the company {$5000.00} for violations on my behalf. Also, the XXXX XXXX police filed criminal charges against the owner who defrauded me and claimed he was a contractor. I uploaded ALL of the supporting evidence to American Express. I even have a statement from the merchant to XXXX XXXX stating that he has refunded me in full and he submitted a screenshot of an initial chargeback from American Express. 

My dispute started with American Express in XXXX. They have sided with the merchant on XX/XX/XXXX when clearly it is a fraudulent charge!
Consumer complaint received 2024-07-02
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Briteside Solutions LLC (FL)

I originally initiated assistance from Briteside Solutions because of a financial hardship experienced, and my enable to timely pay an installment loan. After speaking with a representative, I signed up for their debt elimination program, which cost a monthly fee of {$880.00} a month, for 22 months. The premise of their debt elimination program stems on the debt reaching a collection state, and the original creditor not suing in court to collect. Since the creditor opted to sue, Briteside Solutions could not meet their contractional obligation, and had to refund what I paid into the program ; {$880.00} for 8 months, minus {$59.00} per month for credit monitoring fee. On XX/XX/XXXX I received a call from XXXX, a Quality Assurance representative, stating that {$6500.00} was the amount of my refund and I would receive it in 7 to 10 days ; XX/XX/XXXX at the latest. I then contacted XXXX, on XX/XX/XXXX, after not receiving my refund, and questioned the delayed. XXXX told me he would contact upper management to ascertain why there was a delay in my refund. I then received a return call, from XXXX, XXXX minutes later stating he had not received an answer or even a return call to has inquiry and promised a return status-call that day ; no call. I have since left numerous messages, with XXXX response, to several individuals at Briteside ; this includes XXXX, my ex-Account XXXX ; XXXX, Quality Assurance Specialist ; and left messages in their general Quality Assurance Specialist voicemail box. This demonstrates Briteside Solutions total lack of integrity and concern for XXXX. As of today, XX/XX/2024, no one from this company has even return my call. This is definitely a case of elder financial abuse; concluding that since I am XXXX XXXX XXXX, Briteside Solutions feels they can take advantage of me.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIFTH THIRD FINANCIAL CORPORATION (NJ)

In 2018 some one buy and vehicle XXXX XXXX under my name I will lose my wallet on 2018 on XXXX XXXX in New York I didnt report the police because i thought wasnt necessary after months I find in my credos report appears many hard inquiries not belong to me like applications for mortgages /credit cards/car loans different banks and checking accounts the bank in mention is first third bank located in Kentucky and 2 credit cards on XXXX XXXX  and XXXX XXXX XXXX  I need some resource to dispute all this wrong information because I try to buy my first house due this negative for the loan mortgages companies for my and my family block the dream to buy our home and the unfortunately collaborate the banks an the credit bureau never try to deep investigation only XXXX not XXXX or XXXX they remain the total wrong information and ask me To get police reports I did fill like 4 times but still remains
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-02
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. (CA)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00}
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Please take a look at the attached letters and ID docs for verification that it is I 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 2024-08-02
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. (FL)

I am writing to dispute account on my credit report that were made without my consent. According to section 604 of the FAIR CREDIT REPORTING to section act ( 15U.S.C 168 1B ), THERE ARE SPECIFIC PERMISSIBLE pirposes for obtaining a credit report. I did not authorize these account and can not find any permissible purpose under this section thatjustifies their presence on my report : XXXX XXXX, XXXX.
Consumer complaint received 2024-08-02
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. (FL)

I discovered inaccurate accounts on my credit report this morning and don't know the cause. My regular checkup revealed these discrepancies, and refreshing my browser didn't help. The wrong accounts stayed on the report. Therefore, I'm requesting a meticulous review of the documents I've sent so I can stop worrying about this issue.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

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. 

XXXX, XXXX XXXX- XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX- XXXX 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 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 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 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

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 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 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

A close eye is being kept on my credit reports and I continue to see errors and inaccurate information. My concerns are constantly being ignored by the bureaus and it is causing me extreme XXXX and stress. It is clear that the bureau is not doing their job and ensuring the information that they are reporting is in fact 100 % accurate.
Consumer complaint received 2024-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I would like to begin by expressing that I have been a loyal customer of Bank of America for over ten years, during which time I have been mostly satisfied with the services provided. It is for this reason that I am particularly disappointed to find myself in a position where I must write this complaint. 

On the evening of XX/XX/year>, I deposited a check for {$26000.00}. While I understand and appreciate the importance of banking policies designed to ensure the security and proper processing of large transactions, I am struggling to understand the necessity of holding the entirety of my check for such an extended period. 

As a long-standing customer, this delay and the lack of clarity surrounding it have been frustrating. I would like to request that they review the circumstances of this hold and provide me with a detailed explanation for why such a significant delay is necessary, as well as any steps that can be taken to expedite the release of the funds.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I recently reviewed my credit reports from all three major credit bureaus and discovered significant inaccuracies. XXXX has an incorrect Social Security number listed for me, which, upon further investigation, appears to have been incorrect for a long time. XXXX and Equifax are also reporting inaccurate information, including debts that do not belong to me. 

I have already sent proof of my correct Social Security number, along with evidence that the addresses, phone numbers, and debts reported are incorrect. Despite this, the erroneous information remains on my credit reports. This has adversely affected my credit score and has led to denials of credit. 

I urgently need your assistance to rectify these issues and to conduct a thorough investigation. I have also placed an identity theft notice with the IRS. It is critical that all incorrect data be removed from my credit reports and that accurate information is reported promptly. 

If this matter is not resolved swiftly, I will consider seeking legal counsel and pursuing further action against all three credit reporting agencies.
Consumer complaint received 2024-05-08
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)

Please take a look at the attached letters and ID docs for verification that it is I 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 2024-08-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (NY)

For medical reasons i am required to eat a XXXX XXXX XXXX. XXXX XXXX offers XXXX XXXX XXXX so I ordered those but what i received is food completely covered-in salt. I tried to get a replacement order or a refund but this company refused. I closed my account with them, as I will never purchase any food from them again, and placed the charge in dispute with Discovercard. After a month a received an online notice from Discover stating the transaction is valid. It also stated that if i wanted to continue the dispute i would need to contact them as soon as possible. I immediately calked and told the rep that the dispute was no about a false charge but about not receiving the XXXX  necessary salt free food that i ordered and having to throw away what i received due to the merchants unwillingness to correct their own mistakes. Discover refused to allow me to continue the dispute and told me to work it out with the merchant-which I already tried to do repeatedly to no avail. I then called back and asked for a supervisor, who sounded like a high-school girl, and she said, thats a quality of food issue and we don't get involved in that. I explained that it wasn't something i didn't like or was over baked. This was an issue with a XXXX  XXXX  and the restaurant should not offer XXXX XXXX XXXX if they wont deliver them. The Discover supervisor did not care. I explained that I have been a Discover customer since XXXX   and have already pulled a large amount of funds from their bank. I also had to close my old credit card and open a new one because i was unable to remove someone I had added to my account-which seems ridiculous. The employees at Discover so not care that they chase customers away with horrid customer service. Discover obviously cares more about big corporations like XXXX XXXX who abuse their customers than they do a consumer like me. I wont be using Discover card again and Ill definitely never bank with them again.