davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-13
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. (TX)

Subject : Dispute of Unauthorized Charge Off on Credit Report Dear Sir/Madam, I am writing to formally dispute the inclusion of multiple charge offs on my credit report, as reported by your agency. The accounts in question are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, which appears as a charge off on my credit report. 

According to the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681E ( b ), it is illegal for creditors to report inaccurate or unverifiable information on consumer credit reports. Furthermore, I would like to highlight that a charge off, while reflecting a loss for the creditor, is considered income by the Internal Revenue Service ( IRS ) and should not be categorized as debt on my credit report. 

I request that you investigate this matter thoroughly and promptly remove the disputed charge offs from my credit report or the account should be reflected on my report as " Paid in full '' or " Paid as agreed ''. Please provide me with a written explanation of the results of your investigation once it is completed. 

I expect a response within the statutory time frame of 30 days, as outlined by the FCRA. If you are unable to verify the accuracy of these charge offs, I demand that it be removed from my credit report immediately. 

Please note that failure to update these accounts within a reasonable time frame will compel me to take legal action to ensure compliance with the FCRA and protect my rights as a consumer. 

Thank you for your attention to this matter. Please contact me at the above address Sincerely, XXXX
Consumer complaint received 2024-07-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Neon Newco Corporation (TN)

On XX/XX/XXXX I received a notification on my phone stating a phone number I was not associated with nor did I recognize was added to my account and was now receiving my anytime alerts that I typically get when something happens with my bank account. immediately called the Company ( Netspend XXXX XXXX ) & informed them I did not recognize this number nor did I make these changes to my account. As the representative investigated she informed me there was no digital footprint left that could possibly give her information on how or who did this and no real reassurances that this would not happen again since she didnt know how they did it in the first place. The only resolution she could offer was removing the fraudulent phone number which was removed and have me change my login, my email, my password, and my security question which I did immediately. She changed everything while I was on the phone with her other than the password which I changed after the call ended. This representative also charged me {$25.00} to expedite me another debit card because I couldnt have access to any of my funds until I received and activated this new car. I received the new card the next day. I had this card literally XXXX hours when these fraudulent charges came in. I again immediately called Netspend, explained what originally happened to my account and how everything was supposed to be updated and changed so to avoid this very situation Im now experiencing. According to the second rep who was handling the fraudulent charge issue stated my email, the new one, the one it was supposed to be updated to was not what she had Listed, only the OLD email that should have been removed when I called in about the alerts. She informed me it was never actually changed as it should have been apparently and only had my old email listed. The fraudulent phone number from the original issue ( the alerts ) was listed for my contact information and was able to gain access AGAIN and take my phone number completely off the account and place that number on my account for contact info. Mind you this was after the first representative was supposed to change and secure my account. They also were able to create a virtual card on my account on XX/XX/XXXX to make these fraudulent charges without my knowledge. I called in with the first original complaint ( the alerts ) on XX/XX/XXXX. If the rep had done her job properly this individual who had made these fraud charges should not have been able to gain access a second time, make changes to my account and make fraudulent charges using the virtual card they created causing an almost {$300.00} over draft and leaving me with XXXX dollars for at least XXXX XXXXays, possibly XXXX business days with XXXX funds and nothing coming in until at least that time. This could have easily been prevented had she done her job properly
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

I appreciate your attention to removing some erroneous items from my credit report, but there are still unauthorized entries that need to be addressed. I recently obtained a copy of my credit report from your bureau on XX/XX/XXXX and noticed several unauthorized hard inquiries listed. The details are as follows : EXPERIAN : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX -- -- -- -- -- -XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Each company involved has been notified via certified mail that these inquiries were not authorized, and I have requested their removal. In accordance with the Fair Credit Reporting Act, I am asking that these unauthorized inquiries be removed from my credit report. Please provide me with an updated copy of my credit report once these inaccuracies have been corrected.
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I Reached out to Experian on XXXX to let them know that they are reporting incorrect information on me in regards to a bankruptcy. I filed a dispute with them and they have not removed this incorrect information. They tried to state to me that the account was verified throughout the courthouse. I have a written and signed letter from the U.S Department of justice district of California that states they did not verify any of this information nor do they report any information to the credit bureaus. I am attaching this letter I am also attaching delivery confirmation letter I sent to Experian in regards to this matter via XXXX. 

Experian has violated my following rights in accordance with the fair credit reporting act 15 U.S.C 1681 Section 602 A states I have the right to privacy 15 U.S.C 1681 Section 604 A section it also state consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-13
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. (FL)

I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.
Consumer complaint received 2024-05-24
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)

Accounts reporting " Late Payment '' Accounts reporting " High Utilization '' Every consumer reporting agency shall maintain reasonable procedures to ensure accuracy to avoid violations per 15 USC 1681c IT IS A VIOLATION OF LAW TO REPORT TRANSACTION HISTORY!!

THE PRIVACY ACT OF 1974. 15 USC 1681n Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.

15 USC 1681 Accuracy and Fairness of Credit reporting. IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. 15 USC 6801 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.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

The Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ''
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

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 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 2024-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (IL)

This account is reporting inaccurately because they are reporting against my wishes in general. 15 U.S. Code 1681a - Definitions ; rules of construction section ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 US code 1681 ( b ) Permissible purposes of consumer reports. The third violation is 15 US code 6802 b ( 1 ) b Obligations with respect to disclosures of personal information. ( b ) 1 ( b ) Opt out the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information is not disclosed to such a third party ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Provide written signed agreements saying that I was offered the option to OPT out of the account reporting prior to reporting. I was never called or contacted to confirm permission for reporting. Are you denying me the above rights that were put in place as a way of fair regulation by the government? I am requesting that you remove these accounts immediately. There have been several requests. I am requesting {$1000.00} for each violation.
Consumer complaint received 2024-05-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-05-25
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: EQUIFAX, INC. (NY)

I am greatly concerned about the inclusion of this late payment on my account, as my payment history has consistently been punctual. This situation is causing me considerable distress, and I implore you to correct this mistake by promptly removing it from my account.
Consumer complaint received 2024-05-24
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.

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 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, 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 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

These hard inquiries are fraudulent and don't belong to me and need to be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

Dear Consumer Reporting Agency, I am writing to request that you update my personal information on my consumer credit report in accordance with my rights under the Fair Credit Reporting Act ( 15 USC 1681 ( a ) ( 4 ) ). I believe it is important for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for the privacy rights of consumers. 

I hereby request that all personally identifiable information be deleted from my credit report, except for the information regarding XXXX XXXX. Specifically, I request that the following information be deleted : All addresses, except for my current address : XXXX XXXX XXXX XXXX XXXX XXXX, as I can not receive mail or any correspondence at any other address. 
All phone numbers, except for my current phone number : XXXX. 
My social security number and date of birth, for privacy reasons. 
Additionally, please delete all information in the employer section, except for my current job at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

As a federally protected consumer, I have a right to privacy and expect that my rights under the Fair Credit Reporting Act be respected. Failure to grant my request would be in direct violation of 15 USC 1681 and its subsections.
Consumer complaint received 2024-05-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I have received multiple credit cards ( XX/XX/XXXXXXXX, Bank of America ) in the mail and they were not opened by myself. Also received a phone call around XX/XX/XXXX regarding an auto loan from Bank of America. I have never applied for a loan with Bank of America or a credit card from Bank of America or any of the banks mentioned above. Thought these were strange considering I haven't applied for a credit card since late XX/XX/XXXX so I decided to check my credit report to see if they were legitimate inquiries and they are not. 

I've placed a fraud alert on my credit report for the next year to avoid this from happening in the near future.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The following accounts are not mine, they are the product of identity theft, I was living in XXXX when this identity theft occurred, I have contacted the creditors and the credit bureaus to no avail, I am running out of options and the situation is not getting resolved, the accounts in question are : XXXX XXXX XXXX XXXX  {$5800.00} opened XX/XX/XXXX XXXX XXXX XXXX {$32000.00} opened XX/XX/XXXX XXXX XXXX  XXXX opened XX/XX/XXXX These accounts were opened and used without my knowledge or consent, I was not even living in the U.S when this happened.
Consumer complaint received 2024-05-24
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)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.