davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP (FL)

I have an account that was opened in my name by an ex girlfriend that i didn't know anything about. We broke up and she continued using it and paying for it with my account but I've never seen a bill. We have since broken up and she's moved out, and she must have stopped paying the bill even though i don't know where the statement goes to. Now i am being harassed by them to pay the balance and its for nothing that I've purchased and i don't have the money to pay for it. They won't help me go thru the fraud department. Please help me to get this straightened out and removed from my credit.
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am filing this complaint to CAPITAL ONE for allowing fraudulent account on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate account is reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My accounts 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 to be removed/updated.

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.

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!
Consumer complaint received 2017-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SUNTRUST BANKS, INC. (MS)

On   XXXX   XXXX   XXXX     I was to go to  XXXX , Florida and purchase a car that my son had found me at the dealership he was currently working at. The company is  XXXX   XXXX   XXXX   XXXX   XXXX . I was on my way from  XXXX  , MS to purcha se a vehicle when my son advised he was not getting commission on the vehicle that I was purchasing. He said I could still come purchase it and he would stay through the sale however, he was leaving the company after that. I still had planned on going and he called back and advised that the dealership advised they did n't want my business and  XXXX  could pack his desk and leave. My son  XXXX  then called me and told me to turn around they did not want my business and I asked to speak to  XXXX  the finance person and he refused to speak with me. I have a witness in my car hearing the conversation. I then called back and wanted to make sure they had nothing on my credit.   I then come home and checked and sure enough on   XXXX   XXXX   XXXX   they checked my credit without my consent or signature. There are several hard inquiries on there now from   XXXX   XXXX   XXXX    . I then contacted the  XXXX   XXXX   XXXX  after they did n't want to speak with me on the phone, and no one returned my call.    XXXX  had tried  two attem pts to resolve the issue, they did n't respond and I received an email on   XXXX   XXXX   XXXX     advising no response and this negative information will be reported for  three ye ars for  XXXX   XXXX   XXXX   XXXX   XXXX  of  XXXX , Florida.   I just purchased a car at the current company my son is a salesman at and seen there is still the ones from   XXXX   XXXX   XXXX    .       THIS IS THE EMAIL THEY SENT ME : COULD N'T UPLOAD ... ....      XXXX  Logo   XXXX   XXXX   XXXX      XXXX   XXXX   Re :  Complaint #  XXXX  -  XXXX   XXXX   XXXX   XXXX   XXXX  In the absence of any response from the company to this complaint despit e our two reque sts to them, we are closing our file on this complaint.     This unanswered complaint will become part of the information we report to the public on this company for the nex t three years. Should any government agency request our files on this company, your complaint will  be included.     If you have settled this complaint directly with the company, would you please let us know that, as well as any other comments you might have. Your help in doing this is important to ensure that our report to the public on this company is accurate.     Thank you for using  XXXX   XXXX   XXXX .        XXXX   XXXX   XXXX   XXXX   XXXX
Consumer complaint received 2024-03-15
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. (IL)

In accordance with the fair credit Reporting act, XXXX, Experian, XXXX and XXXX XXXX, Account # : XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : I also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2017-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BBVA FINANCIAL CORPORATION (MS)

On XXXX XXXX 2017 I was to go to XXXX, Florida and purchase a car that my son had found me at the dealership he was currently working at. The company is XXXX XXXX XXXX XXXX XXXX. I was on my way from XXXX, MS to purchase a vehicle when my son advised he was not getting commission on the vehicle that I was purchasing. He said I could still come purchase it and he would stay through the sale however, he was leaving the company after that. I still had planned on going and he called back and advised that the dealership advised they did n't want my business and XXXX could pack his desk and leave. My son XXXX then called me and told me to turn around they did not want my business and I asked to speak to XXXX the finance person and he refused to speak with me. I have a witness in my car hearing the conversation. I then called back and wanted to make sure they had nothing on my credit. I then come home and checked and sure enough on XXXX XXXX 2017 they checked my credit without my consent or signature. There are several hard inquiries on there now from XXXX XXXX 2017.  I then contacted the XXXX XXXX XXXX after they did n't want to speak with me on the phone, and no one returned my call. XXXX had tried two attempts to resolve the issue, they did n't respond and I received an email on XXXX XXXX 2017 advising no response and this negative information will be reported for three years for XXXX XXXX  XXXX XXXX XXXX of XXXX, Florida. I just purchased a car at the current company my son is a XXXX at and seen there is still the ones from XXXX XXXX 2017. THIS IS THE EMAIL THEY SENT ME : COULD N'T UPLOAD ... .... XXXX Logo XXXX XXXX 2017 XXXX XXXX Re : Complaint # XXXX - XXXX XXXX XXXX XXXX XXXX In the absence of any response from the company to this complaint despite our two requests to them, we are closing our file on this complaint. This unanswered complaint will become part of the information we report to the public on this company for the next three years. Should any government agency request our files on this company, your complaint will be included. If you have settled this complaint directly with the company, would you please let us know that, as well as any other comments you might have. Your help in doing this is important to ensure that our report to the public on this company is accurate. Thank you for using XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-08
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MN)

We decided to file this complaint after reading several articles regarding a lawsuit filed against   XXXX   XXXX  /Navient. The complaints described in this suit sound very familiar to some of the experiences we have had. We unfortunately do not have specific dates and amounts, as we never expected an opportunity to file a complaint.Several years have passed since we have attempted to adjust our repayment. I set up an agreement with  XXXX   XXXX  in   XXXX   regarding my private loans that consists of a low monthly payment, but the loan remains in default and is negatively impacting my credit. Previous to this agreement I had spoken with the company several times to try to lower the $  XXXX  monthly payment with no success. Forbearance was the only option given to us until that ran out. By that time the payment was so high it surpassed our housing payment. My wife can specifically recall asking about income based repayment for this loan and was told that it was not an option. Something is just not right about us now owing {$56000.00} after already paying {$33000.00} when the original amount borrowed {$35000.00}.
Consumer complaint received 2023-05-09
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. (FL)

I discovered some inaccurate information in my credit report after looking into it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) impose a requirement on the 3 credit bureaus to verify the items. ( A ). The reported itemscannot be treated as unreliable information if no proof is provided within the legal time frame. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I did not authorize these inquiries on my Equifax report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

On m y TranUnion c redit file  XXXX  my  XXXX   XXXX   XXXX   XXXX   XXXX    a ccount with an approximate balance of {$68000.00} indicates a derogatory " Chapter  XXXX  Dismissed '' under remarks. However, I have no  Chapter   XXXX  bankruptcy, nor is it listed in the TransUnion  Public Records on  my credit file. I have been denied credit twice in the last 30 days for this erro r. One is fo r a new mortgage, and the other was for a credit card.     I called the TransUnion dispute phone number, and disputed the information error on  XXXX   XXXX ,   XXXX  . I received no email or regular email notification that the investigation was complete or that it had even been conducted. When I called the TransUnion dispute line this morning to check on the status of the dispute, I was told there was no open dispute, and that I would need to submit paperwork showing that I have no bankruptcy. This is impossible since I ca n't submit paperwork to show that something that does n't exist does not exist.     I have a perfect payment record with my  XXXX     XXXX   and need the incorrect information removed asap as it is causing me harm in delaying me purchasing a new home.
Consumer complaint received 2017-05-08
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: EQUIFAX, INC. (CA)

XXXX  refuses to remove a foreclosure from my credit report even though it is well past the  7.5 year s beyond the FCR A Date of Compliance. Under FCRA 609 ( a ) ( 1 ) I d id request and receive a consumer disclosure file from each CRA in  XXXX  which detailed the Date of First Delinquency an d Date of Compliance  as  XXXX / XXXX / XXXX  as reported by the loan originator,  XXXX   XXXX   XXXX .      XXXX  purchased the loan from   XXXX   XXXX   XXXX    and at that time re -- aged the terms of the loan which is illegal and is being reported t o the CA State Attorney General,  XXXX , and FTC as part of this complaint. The unethical and illegal behavior which  XXXX  continues to harass borrowers with to extend the dates is ludicrous.
Consumer complaint received 2024-03-15
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: Experian Information Solutions Inc. (NY)

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 accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

This is an account that was never. I've tried several times to have XXXX remove this from my credit file. As of today it is still showing as a delinquent account. This has hurt my credit score as well as having an effect on me moving forward to seek any loans or new credit cards. Creditor is XXXX XXXX XXXX account # XXXX. XXXX XXXX XXXX XXXX XXXX account # XXXX. I would like this removed from my file immediately. Thank you!!!
Consumer complaint received 2022-12-20
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: EQUIFAX, INC. (AL)

Equifax I submitted documents to your company 7 months ago advising fraudulent accounts on my credit file. Let me start by saying I live in XXXX. XXXX, Al and have been all my life. Now these documents I submitted back in XX/XX/2022. And as of XX/XX/2022 these items are still on my credit file. I want them rovef ASAP, else I will file a Legal Law Suit. Enclosed is my ID Alabama, police report, and proof that these accounts were open up in. XXXX XXXX Nevada and a address reporting on my credit file is fraud. Please remove ASAP
Consumer complaint received 2023-04-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (WI)

I noticed several years ago, that XXXX hired " XXXX XXXX to get me to pay for a bill that was not in my name and for service at a location that no one lived at. I contacted XXXX and the collection agency each time they placed the debt on my credit report. They told me when the bill was for and where, but when I disputed the information, they changed the information to my name. The collection agency was changed to IC Systems the third time and I called them and told them this is not my debt. I contacted XXXX each time and they investigated and removed this item from my report. Today I checked with a different company credit reporting company, and they have IC Systems reporting this same XXXX dollars that I have disputed 3 times already with XXXX. XXXX does not have it listed this time. I don't know how to stop this ; I never had a bill with XXXX in my name during the time they claim this debt is owed. I have a brother with the exact same name, and he had a bill with them. I spoke to him he had a cell phone tied to services that he did not pay. This is not my debt. I can provide proof of the brother with the same name. I have been fighting creditors all my life because of this. I even placed a disclaimer on my XXXX Report warning creditors of the 2 brothers with the same name. IC Systems and XXXX keep trying to place this debt on me. Each time they report this, my credit score and image gets wiped out and I get refused credit.
Consumer complaint received 2022-12-20
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. (IN)

In accordance with the fair credit Reporting Act TransUnion, has violated my rights. 

15 USC 1681 Section 602 : States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2018-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

On XX/XX/2018 I noticed that funds moved from my savings ( {$3400.00} ) and my sons college saver accounts ( {$4500.00} XXXX to my checking account with Citizens Bank. I went to the branch and needed to close down all of my accounts and reopen them due to the suspicious activity. At that time, the only mechanism the bank used to protect me from fraud was to freeze my online banking and not allow me, the account holder, to access my accounts to monitor them. I had to call customer service every day to monitor my account since I could not view my accounts online and was very concerned about fraud. On XX/XX/XXXX a fraud check in the amount of {$760.00} posted to my checking account and the bank did nothing to prevent it when I reported suspicious activity. I spoke with Office of the Chairman XXXX XXXX and asked why my account was not monitored for fraud when I reported that {$7900.00} was transferred to my checking by a fraudster. She advised that when a fraud watch is warranted the bank will watch the accounts. However, I had reported fraud and the bank still allowed a fraud check with an INVALID routing number to post to my account. In the meantime, I had to open a new checking account and when my new checks arrived, the vendor sent them with 30 checks missing right in the middle of the check range. Where did they go? The day I became aware of the {$760.00} fraud check I demanded the funds be returned. The bank did return the funds with a provisional credit. However, today I became aware the bank had debited out the provisional credit on XX/XX/XXXX from my new checking account. This was a fraud check with an invalid routing number XXXX and my routing number is XXXX. How did this check pass through the bank in the first place with an invalid XXXX and why did they take the money back from me? Shouldn't an invalid routing number be a red flag not to process the check? I asked for Citizens to research how a fraudster managed to transfer {$4500.00} and {$3400.00} from my accounts and also asked them to monitor to my accounts to protect me. All the safety mechanisms that should be in place to protect me failed. And now they took back the funds a fraudster took from me. Citizens never should have allowed a fraud check to post with an invalid routing number AFTER I reported fraud on my account. I am demanding the funds be returned to my account. My bank never should have taken back the provisional credit. I have attached a copy of the fraud check. The original account that had fraud is XXXX and the new account they debited the provisional credit from is XXXX.
Consumer complaint received 2023-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

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. 

These accounts in question are reporting inaccurate information on my reports : XXXX XXXX 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 XXXXXXXX 15 USC 1681 section 602 A. States : I have the right to privacy.

15 USC 1681 section 6O4 A. Section 2, it also states : The consumer reporting agency can not furnish an account without my written instructions. 
15 USC 1681 C A5 section states : No consumer reporting agency may take any consumer report containing any of the following items of information any other adverse item of information other than records of conviction of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person should not furnish any information relating to the consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.