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

XXXX XXXX has been asking Experian, XXXX and XXXX for corrected copies of his credit report since XXXX. Experian has allowed his account to be hack, ghost debts to be reported and incorrect information detailing the debt owed to his child support reported by this company. XXXX had 2 prior loans with bank XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. XXXX XXXX paid off his debts in full XX/XX/XXXX. XX/XX/XXXX, XXXX XXXX received a credit alert from Experian, XXXX and XXXX stating the above-mentioned credit unions are still filing reports and attempting to collect on what is now considered a ghost debt, thus violating FDCPA and companies like Experian, XXXX and XXXX are allowing it to happen. These financial institutions are reporting these accounts as late of 60 days, with accrued interest but XXXX XXXX has already received his Titles in the mail, thus gaining complete ownership of asset held as collateral by this institution. Why is this highly recognized institution continuing harass, defame and embarrass XXXX by reporting negative remarks on his credit report? While is Experian, XXXX and XXXX allowing it? Damages have been caused by these unlawful acts thus damaging his credit file, credit report, credit worthiness and overall reputation. These acts of libel are stopping him from receiving access to the credit and funds promised to him under the credit reporting act that therefore would not be withheld without the acts of these vile predatory institutions. In addition to, Experian, XXXX and XXXX has allowed the false reporting of the status of XXXX XXXX 's child support. For years Experian has allowed this to report as late or past due over {$2000.00}. When XXXX asked for proof in the past of these debts, Experian, XXXX nor XXXX provided any. XXXX is retaining legal counsel against Experian, XXXX and XXXX if these acts of libel and false reports continue to ruin his credit.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2023, I wrote to you requesting an investigation into items that I believed are inaccurate, and falsely reporting. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I respectfully request to be provided proof of these alleged late payments, and payment history. Per my records I have always paid these accounts on time and never paid late. The following late payment information therefore needs to be reinvestigated as it is inaccurate, and then removed from my credit file as it is falsely reporting. 
15 U.S. Code 1681i. Procedure in case of disputed accuracy. 
( a ) REINVESTIGATIONS OF DISPUTED INFORMATION ( XXXX ) REINVESTIGATION REQUIRED ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance if the validation of debt request isnt completed.
Consumer complaint received 2024-04-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2024-04-26
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. (MS)

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 2023-04-22
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. (CA)

I disputed the XXXX XXXX XXXX again using the same dispute and they modified it and changed it and I also disputed it on XX/XX/XXXX so the dispute investigation process shouldn't even be finished and on there is says remains the same
Consumer complaint received 2023-12-13
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)

this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.
Consumer complaint received 2023-12-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

There was several claims and disputes on the account due to fraudulent activity and 1 I was concerned about was with XXXX when I filed a claim because my phone and my wallet was stolen along with my backpack. I had to get a new phone and when I got the new one, I called and check up on the claim, and they close the account around say XXXX or XXXX they were not letting me log back in view my account do any banking income or outgoing, withdrawals, or deposits of any kind, and I was pretty much put on account closure notice unable to withdraw Any funds and I am on XXXX for Social Security. I called and requested and asked, can I go to the branch, but at every turn they would not let me get any money out would not let me do anything and left me with no options to get funds and now I am in a current situation where Im be evicted and currently being evicted due to not be able play my rent and withdraw cash which I requested and they denied and was told that I can not receive any money until they close the account completely I kept calling. I happen to get ahold of a representative very helpful individual that told me that they could do something where they would open a new account for me and transfer the funds to the new account and then they would set up the new accounts and have all my money just transferred over so I have access to it so I can pay my bills And make rents and we are all taken care of on all your account set up, and when you came time to lifting the notices, I was told no and to make it worse. I called back again today question and find out when the date of my account closing annd the date for expected cashiers check and they have now told me that there is no timetable. They originally said it was gon na be XX/XX/XXXX and now they were telling me they is no set date or time table of closure for my account they dont have one set so I am going on 2 months without aability to get any funds, and I am currently in process and have been served papers to be evicted.
Consumer complaint received 2023-12-12
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)

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. 

Account Name : XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX  Account Number:XXXX 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 2024-01-02
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: BMO Bank, N.A. (AZ)

These companies are reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to, they have have not provided any records.
Consumer complaint received 2024-01-04
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. (FL)

I reviewed my Consumer Reports and noticed that I had many late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX Account XXXX XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UNITED STATES MINOR OUTLYING ISLANDS)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2023-12-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: REGIONS FINANCIAL CORPORATION (GA)

I have XXXX checking accounts with Regions Bank. My main account into which my direct deposit was paid became overdrawn because i went on unpaid leave and no deposit were going into the account. Because I know there is a time limit to how long accounts can remain overdrawn before being charged off, I called the Bank to ask what my options are since they state that there are hardship options available. I called the Bank on XX/XX/XXXX. The representative told me that I had until XX/XX/XXXX to clear the overdraft or the account would charge off. She said if that happened, I would have to call Collections and make an arrangement to pay. I asked if there was any help that the Bank could offer, and she said no. I had some funds coming in from a parttime job which were about 40 % of my normal pay but it would be just enough to pay my bills. Those funds went into a different regions account that I use to pay my bills. The first of those payments came in on XX/XX/XXXX. Regions debited {$640.00} from that payment which cause a number of my bills to be returned unpaid. I was charged {$250.00} in fees for those payments which were returned. I thought it was an error and was waiting the funds to be credited back to my account. Unfortunately, I had a health emergency and couldn't follow up immediately. The second payment came in XX/XX/XXXX for {$1400.00} and Regions took almost all of it including the fees leaving me with {$2.00} in my account. When I called Regions on XXXX to ask what was happening, I was told that the collections department had taken the funds to pay down the overdraft on the other account. I said that nobody had notified me of this. I was told to call the collections department which I did. The first thing the agent told me was that I owed Regions money and they could take money from any account to pay their debt. She said I could have avoided that if I had set up a promise to pay on the original overdrawn account. I said I was never told that when I called in or I would have done that. I explained that because Regions had taken the money leaving me with only {$2.00} I wasn't sure how I was going to be able to eat. She recommended that I try a local food bank and said there was nothing they could do to return any of the money or the fees. In the meantime, I had incurred another {$250.00} in fees because all my payments had been returned because the money that was in my account to pay them had been taken out. So now both my accounts are overdrawn and I have been charged {$500.00} in fees. I called and asked if the fees could be refunded and I was refunded {$72.00} as a courtesy because the fees were correctly charged.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to dispute the reporting of transaction history, specifically late payments, on my credit report by XXXX, XXXX, and TransUnion. Upon reviewing my credit report, I have observed that all three entities have reported late payments, which I believe to be inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ). 

As per the FCRA, it is illegal to report transaction history, including late payments, on a credit report. Transaction history pertains to specific details of financial transactions, such as account balances and payment history, and should not be included in a credit report. 

The reporting of inaccurate transaction history, such as late payments, can have detrimental effects on my credit standing and financial well-being. Therefore, I demand that XXXX, XXXX, and TransUnion immediately cease reporting this inaccurate information and update all late payments to " paid as agreed. '' Furthermore, the reporting of late payments on my credit report is also a violation of the Privacy Act of 1974, which mandates the protection of individuals ' personal information held by federal agencies. 

I request that XXXX, XXXX, and TransUnion conduct a thorough review of their reporting practices to ensure compliance with the FCRA and the Privacy Act of 1974. It is imperative that accurate and compliant information is provided to credit reporting agencies to protect the rights and interests of consumers. 

Please be advised that if XXXX, XXXX, and TransUnion fail to update the late payments to " paid as agreed '' as requested, I will exercise my right under 15 USC 6802 to opt out of the reporting of these accounts on my credit report effective immediately. 

Please consider this letter as a formal dispute under the provisions of the FCRA and the Privacy Act of 1974. I expect XXXX, XXXX, and TransUnion to take prompt action to address this matter and provide confirmation of the actions taken to rectify the inaccurate reporting. 

Thank you for your attention to this matter. I anticipate a timely resolution of this dispute. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: NAVY FEDERAL CREDIT UNION (SC)

As a federally protected consumer, I would like to opt out per 15 USC 6802 of any written, non-written, verbal, nonverbal agreements that I may have authorized. 
Navy federal has breached contract agreements by sending my information to no affiliates such as transunion, XXXX, XXXX, XXXX XXXX, early warning services and more.
Consumer complaint received 2023-12-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to formally dispute certain information on my credit report related to the following accounts. The discrepancies have been acknowledged by the respective banks as internal errors, and they have committed to making the necessary corrections. I request that you update the information accordingly : XXXX XXXX XXXX XXXX, DEPT OF EDXXXX XXXX, and XXXX XXXX XXXX , XXXX. XXXX. I have attached supporting documentation, to substantiate these claims. These inaccuracies are causing financial and emotional distress, and I request a thorough investigation into these matters. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ).
Consumer complaint received 2023-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account. I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault.
Consumer complaint received 2024-04-26
Product: Credit card — General-purpose credit card or charge card
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. (IL)

I have consistently made on-time payments, and I am certain about this. However, I am unsure why this company is reporting me as late in certain months, which should not be the case. According to USC 1666b, any billing error should be corrected, or else they will owe me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VILOATED 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS.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 AN 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 IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Consumer complaint received 2023-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2024-01-03
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (KY)

Under the Fair Credit Reporting Act I.C. SYSTEM, INC is inaccurately reporting a inaccurate debt to my XXXX credit file. 
Account # XXXX is an inaccurate account. 
The account does not belong to me.
Consumer complaint received 2023-06-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC (AL)

I have no knowledge of this debt reporting from XX/XX/XXXX with an opening date of XX/XX/XXXX. I immediately sent a certified detailed letter on XX/XX/XXXX, requesting specific documentation for this alleged debt to this collector with no response as of XX/XX/XXXX. Nor have I received any former writing of this alleged debt prior to reporting on my credit report destroying my credit profile. I request a cease and desist of this reporting until this collector is compliant with my request and guidelines under FDCPA and FCRA. If the collector can not provide the requested documents this alleged debt should be immediately deleted from my credit profile.
Consumer complaint received 2024-04-26
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. (SC)

Revised on XX/XX/2024, I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
1. Account Name : XXXX XXXX Account Number : XXXX 15 US.C. 1681 section 602 .A States I have the right to privacy.

15 US.C. 1681 Section 604 A Section 2. I t also states a consumer reporting agency can not furnish an account without my written instructions.

Delete this account immediately, unless you want to be held {$10000.00} per violation