davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-19
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. (HI)

The United States Code ( USC ) is a compilation and codification of the general and permanent federal laws of the United States. Title 15 of the United States Code covers various aspects of commerce and trade, but it does not specifically regulate late payments. Late payments and related issues with creditors are often governed by individual state laws and regulations, as well as the terms outlined in contracts or agreements between parties.

If you are facing issues related to late payments and you're seeking legal information or assistance, it's recommended to consult with a legal professional. They can provide advice tailored to your specific situation and applicable state laws.

In general, late payment provisions and related regulations can be found in state laws, and consumer protection laws may address issues such as unfair or deceptive practices by creditors. Additionally, the terms and conditions of your specific credit agreement or contract with the creditor will outline the consequences of late payments, including any fees or penalties.

If you have concerns about late payments or believe that a creditor is violating applicable laws, you may want to review your specific agreement, check relevant state laws, and consider seeking legal advice to understand your rights and options.
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: Experian Information Solutions Inc. (OH)

Ive sent in A letter to XXXX, Experian, and XXXX over 30 days ago and they repeatedly told me to wait for a call back to handle this matter. I explained to them that they only had 30 days to respond and they failed to do so. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, and XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states 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. 15 U.S. Code 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and Experian are not maintaining reasonable procedures, and is in violation of severals even the ones I didn't state.
Consumer complaint received 2023-10-30
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Tried to apply for credit with a company that I was approved for twice before. I was denied, after a couple weeks, I received the report and realized that " Clarity services ' had been using an old report. They said that the score at the time was XXXX ( XXXX ). At the time I filed, Experian was XXXX, XXXX XXXX was XXXX, and XXXX was XXXX. They still have charge-offs that have been removed, addresses and phone numbers that have been removed. I didn't know who this company was until I received the denial letter and they are inaccurately reporting this that I have been fighting diligently to fix.
Consumer complaint received 2023-12-19
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. (NY)

XXXX XXXX AUTHORIZED USER Credit usage 92 % Balance {$3200.00} Balance updated XX/XX/2023 Credit limit {$3500.00} 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 

THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MN)

Theres currently 3 months of late payments from XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX listed on my XXXX XXXX, Experian and XXXX credit report. I have never made a late payment on my XXXX XXXX XXXX XXXXXXXX credit card account, XXXX XXXXXXXX XXXX XXXX XXXX card account, or XXXX XXXX XXXX XXXX XXXX XXXX  account. All of my payments I have made to XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX  and XXXX XXXX XXXX XXXX for my credit card account has been on time payments made.
Consumer complaint received 2024-09-21
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. (TX)

To Whom It May Concern, I am filing a formal complaint against XXXX XXXX for their continued failure to validate a debt they are reporting on my credit report, in violation of federal laws. Despite multiple written requests for validation of the alleged debt, as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, the agency has failed to provide any documentation proving the legitimacy or ownership of the debt. 

Furthermore, XXXX XXXX continues to report this unvalidated debt inaccurately on my credit report. This ongoing reporting constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which mandates that information furnished to credit reporting agencies be accurate and substantiated. By reporting a debt that they have failed to validate, XXXX XXXX is not complying with these legal obligations. 

Given these violations and the harm this inaccurate reporting has caused to my credit, I request the following : XXXX. IMMEDIATE deletion of the unvalidated debt from all credit reporting agencies. 
XXXX. Statutory damages in the amount of {$5000.00} for XXXX XXXX failure to comply with federal law and their neglect in handling this matter. 

Should this issue not be resolved promptly and to my satisfaction, I will file a lawsuit in small claims court to seek further damages and enforce my rights under the FDCPA and FCRA. I expect XXXX XXXX to act in good faith by deleting the inaccurate information and providing the requested statutory damages. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX, Tx XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2024-04-30
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. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Social Security Number XXXX XX/XX/2024 To Whom It May Concern : I am writing to challenge the reporting and compliance of my credit report.

15 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete all items mentioned in my FTC report off my credit report.

These accounts should not be furnished on my consumer report as they are in VIOLATION Under 15 U.S. Code 1681b a ) In generalSubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I have NEVER given any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of all FRAUDULENT IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX  XXXX, LA XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX  ACCOUNTS listed in my FTC report
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

The account is paid in full. I have a XXXX balance and the verification was emailed out to me on XX/XX/2023. However, it is still showing on my credit report for the full amount of {$200.00}, XXXX. Each time I dispute it with the credit companies I get a notice stating that XXXX is reporting that the amount they have is verified. Each time I call XXXX they tell me that they are not reporting that amount to the credit companies and there is nothing they can do to help me.
Consumer complaint received 2024-05-01
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. (IN)

PLEASE BLOCKED AND REMOVED I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.
Consumer complaint received 2024-05-01
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. (PA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-02-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (ID)

I use venmo to send money to my roommate for rent. I recently over paid and they reimbursed me. I attempted to transfer this money back to my XXXX account and received an email stating that my account is suspended and that my money is being withheld.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2024-04-30
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 claim errors on my credit report 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

Please immediately remove this information from my credit report. 
XXXX XXXX Account # XXXX This account has been reported with errors, this being illegal and I demand its immediate deletion.
Consumer complaint received 2024-04-30
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. (CA)

I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I did not miss any payments, and I urgently require your assistance to address this issue.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I HAVE AN INQUIRY FOR XXXXXXXX XXXX XXXX  XXXX XXXX. I DID NOT APPLY FOR ANYTHING NOR GAVE PERMISSION FOR MY CREDIT TO BE RAN, I ADDRESSED IT WITH COMPANY THEY APOLGOIZED AND SAID I HAD TO DISOUTE, I TRIED DISPUTING YET IT IS STILL ON MY REPORT. THIS IS VERY UNFAIR THAT I HAVE AN INQUIRY FOR SOMETHING I DID NOT APPLY FOR.
Consumer complaint received 2023-12-19
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 2023-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I had a credit card with Bank of America. In XXXX of XXXX, I mistakenly made 2 payments to my credit card. I called the bank and asked them to reverse the second payment. It took the bank 3 months to reverse the payment. In the meantime, my credit card statements in XXXX and XXXX were negative ( because of the XXXX overpayment ). In XXXX, when the XXXX XXXX payment made in error was finally reversed, it was backdated to XXXX ( per the bank, as if that 2nd payment made in error in XXXX had never happened ), and because of that, the bank is now arguing that I missed the XXXX and XXXX payments, even though they acknowledge that those two statements were negative, and that there was no payment for me to make in XXXX or XXXX. Without notice, they closed my account, sent me to their collections department, and reported me to the credit bureau. My credit score has dropped by XXXX points.
Consumer complaint received 2023-12-19
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. (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. 

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 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (PA)

On XX/XX/2023 and XX/XX/2023 I send dispute letter to Experian, XXXX and XXXX asking them to remove or correct any errors, XXXX XXXX XXXX account # XXXX which is Missing Paid Off, and Original balance and Payment Summary are different on Experian and XXXX in violation of 15 U.S.C. 1681. warning them that they are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of their first and second re-investigation, they stated that they verified that these items are being reported correctly and yet still nothing got removed or updated.
Consumer complaint received 2023-05-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC (AZ)

On XX/XX/XXXX, I signed a lease with XXXX XXXX in XXXX, Arizona for a one bed one bath in a 4 bed 3 bath floorplan. I subleased in replacement of a prior tenant who had a personal experience and had to flee.This apartment is for university students and they offer random roommates which was what I was in. I was asked by the front desk verbally to submit an inspection via email since my resident portal was under technical difficulties since it was a sublease situation. I did as requested, I submitted all damages and prior usage of the communal areas, my room and bathroom area that I was accountable for. It was submitted on XX/XX/XXXX due to the technical difficulties they could not solve and the waiting process was not useful. This issue was solved verbally in the managers office at the property of University House. I added in descriptions of the damages. It was accepted by the XXXX XXXX XXXX verbally and also via email since they announced they received. XXXX XXXX  requested {$20.00} by every tenant in the apartment for a damaged couch in the communal area on XX/XX/XXXX which was already there prior to me moving in. I sent in the request for dispute since I announced it was damaged prior of moving in. They accepted my dispute due to evidence via email. Post my move out on XX/XX/XXXX, I let them know to please utilize my email so they wouldn't make the mistake of wrongfully charge me for damages. They replied XX/XX/XXXX via email yes acknowledging my email and told me to wait on disputing charges until a statement came in from them. I waited. On XX/XX/XXXX I checked in with them if they had time to check and dispute the charges. That's when I suddenly received the finalized statement of University House trying to collect the total of {$560.00} from me with false damage charges. On XX/XX/XXXX, I reminded them about my email and situation about the inspection submitted via email. They never replied to calls or emails which then led these false charges to the collection agency of Aldous and Associates : for damages that I am not reliable for. I attempted to dispute with the debt collection agency on XXXX of XXXX with concrete evidence. However, they denied my dispute upon the reasoning being none at all and sent back the lease of XXXX XXXX to my mailing address as their response. No other reliable reasoning. I want help with disputing the total amount of damages I was not reliable for : the total of {$560.00}.