davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I have consistently made timely payments without any instances of being late. It is completely unacceptable to observe late payments on my account, and I strongly urge you to rectify this error without any delay. Please take immediate action to correct my account and ensure that it accurately reflects my payment history.
Consumer complaint received 2023-07-13
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CO)

PHH mortgage company was sent a check by my insurance company to endorse for repairs from water damage. The mortgage company has after repeated calls, and sent documents they requested has not processed a check to me after one month. 
The company is listed in XXXX Ohio, but the phone numbers they publish are all routed to the XXXX and no numbers will be given out to make stateside contact. I have been told on 6 different occasions that the check had been processed, but they will not confirm funds have been sent. 
They have received documentation from me that I have paid all contractors for the work done, and am trying to get the reimbursement as promised, on 6 separated occasions.
Consumer complaint received 2023-08-29
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. (TX)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2023-08-05
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: Experian Information Solutions Inc. (GA)

Congress passed the Fair and Accurate Credit Transactions Act of 2003 ( FACTA ) to add identity theft protection. I have the right to include a fraud alert on my credit report if I have a good-faith suspicion that I am the victim of identity theft. The fraud alert is suppose to notify users of victim of Identity Theft. Fraud alerts are suppose to be free. 

I also have the right to have a CRA block information related to identity theft from being on my credit report. For example, if an identity thief has used my information to open an account and never paid the bill, I can have this blocked from my credit report. Though I must meet some conditions. If the conditions are met, the CRA has four business days to block this information from being viewed by potential users of your credit report. 
I have supplied appropriate proof of your identity to the CRA. 
I have supplied the identity theft report from a federal, state, or local law enforcement agency. 
I have identified the faulty information on the credit report. 
I provided a statement to the CRA explaining that you werent connected with the transaction ( s ) involving the identity theft. 
EXPERIAN has failed to follow these regulations set by the Federal government.
Consumer complaint received 2023-08-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANCO POPULAR DE PUERTO RICO (NY)

I would like to let you know the emotional support and trauma I experience from the popular bank. I opened an account with them, and I later saw that their banking system did not meet my expectations. After one month I called them to close my account and they insisted that I must pay XXXX dollars to close my account. I never seen where someone wants to close his or her bank account, he will be charged to close you an account. This is fraud and not a business integrity. I called them several times to close my account. They refused until I paid XXXX dollars, they later closed my account without me paying the XXXX dollars, but they frustrated me, embarrassed and harassed me with illegal charges and I don't deserve it. I think they are requesting XXXX dollars because of my race or origin or tribe. I can see a discrimination. They get upset and refused to close my account because I am leaving them. I told them on the phone if they refused to close my account and remove these XXXX dollars, they are charging me illegally that I will report them to government they hanged phone on me until I went to their store and insisted that they will close my account before they finally close it. This brought me a lot of anxieties. They cant discharge my case or get away with their bad way they treated me because they harassed me with XXXX dollars I dont own them. They are not honest, they saw that I am low-income individual, and I am struggling, and they that are wealthy are forcing me to pay XXXX dollars I dont owe them because I decided to leave the company then they get upset for nothing. Even if it's a new account no one pay to leave a bank and I have right to leave the bank if their banking system doesn't meet my requirements. They can't get away with their bad treatment on me and I will never agree about the way they bullied and harassed and threaten to pay XXXX dollars and they must tell they government what they did to me and how they treated me on the phone to pay XXXX dollars on the phone to close my account, I cried all week because of this harrasement. I will never agree or let this go and they can't deny it because our conversation was recorded by them several times, I called them requesting to close my account and they insisted that I must pay for XXXX dollars. This is fraud. They wealthy already and want to get XXXX dollars from me who is struggling to survive.
Consumer complaint received 2023-08-29
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. (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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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 2023-03-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SMITH, ROUCHON & ASSOCIATES, INC. (AL)

I had XXXX XXXX  XX/XX/XXXX and went to XXXX XXXX XXXX XXXX I did not have insurance at the time but when i received the bill the hospital closed down so I did not know who to contact to set up arrangements to pay and I have not gotten any letters. My bill was {$5200.00} and now it is on my credit report. 

I had XXXX on my XXXX  on XX/XX/XXXX with XXXXXXXX XXXX XXXXXXXX XXXX XXXX I did have insurance at the time and paid all my fees and I moved to XXXX  the same year and out of nowhere I saw this bill for {$98.00} on my credit report which is not fair there was no contact from them or anything.
Consumer complaint received 2023-12-20
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. (TX)

Credit Report and subsequent credit report investigations contend that I was more than 30 days late on my XXXX XXXX XXXX XXXX account twice ( XX/XX/XXXX and XX/XX/XXXX ) when payments were made under an agreed to payment relief plan offered by the lender. Calls to both XXXX XXXX and the credit reporting bureaus yielded no results. They blamed the other party and instructed me to contact the other party, stating there was nothing they could do. I have never missed a payment, ever, including on any of my other accounts. I made payments as agreed to by the lenders payment assistance plan offer. Please remove these late payments from my report as they have prevented me from obtaining financial products over two times now.
Consumer complaint received 2023-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (TX)

I had XXXX dollar with drawled from my account by an email. I called to dispute it immediately when I got the notification that money was being pulled out of my account. The transaction happen XX/XX/23 I gave them a call around XXXX or XXXX to dispute it. They denied my claim. Which doesnt make any sense. No one has access to my account but me. I havent given out my account information or allows anyone access to with drawl money out of my account.
Consumer complaint received 2023-12-20
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)

XXXX XXXX XXXX XXXX reporting/sharing private nonpublic consumer information with thrid parties, violated cease and desist that has been in effect since XX/XX/2022 XXXX XXXX, XXXX refuses to follow consumer request to opt out of all information sharing.
Consumer complaint received 2023-12-20
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)

I called Trans Union to get my credit report on XXXX XXXX and after receiving it I noticed there were some hard inquiries that did not have permissible purpose according to 15 USC 1681b I also attached my credit report and shown that XXXX is violation of FCCA.
Consumer complaint received 2023-03-22
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. (MI)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 

Ive disputed the item with the credit bureaus Experian, XXXX, and XXXX all of which confirmed that the public record was verified by you. Please provide the procedure in which you verify records with the credit bureaus. 

In response you verified the item as accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter, therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C 1681I ) and the information must be deleted immediately.
Consumer complaint received 2023-12-04
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

I received a prepaid American Express gift card valued at {$250.00}. When trying to make purchases online ( via XXXX, XXXX, XXXX, etc ) the card is declined for each purchase. The amount for the purchases ranged from {$10.00} to {$38.00}, for which I had more than what was sufficient to pay for my purchase. I currently have a balance of {$140.00} with two {$0.00} holds from XXXX and XXXX after failed purchases on their websites. 

This also happened with another prepaid American Express gift card valued for {$250.00} as well. This card would also decline when making online purchases on XXXX. This card has a current balance of {$0.00} available.
Consumer complaint received 2024-04-18
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. (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 XXXX U.S.C XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX AND XXXX XXXX ) Account # : XXXX has violated my rights. DEBT AMOUNT {$880.00} Date Opened : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  ) Account # : XXXX has violated my rights DEBT AMOUNT {$960.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX ) Account # : XXXX has violated my rights DEBT AMOUNT {$790.00} Date Opened : XX/XX/XXXX, XXXX XXXX XXXX ( Inquiry ) has violated my rights Date of Inquiry : XX/XX/XXXX, XXXX XXXX ( Inquiry ) has violated my rights Date of Inquiry : XX/XX/XXXX, XXXX OF XXXX ( Auto ) ( Inquiry ) has violated my rights Date of Inquiry : XX/XX/XXXX, XXXX CREDIT XXXX Miscellaneous ) ( Inquiry ) has violated my rights Date of Inquiry : XX/XX/XXXX. XXXX XXXX XXXX Section XXXX A. XXXX I have the rights to privacy. XXXX XXXX XXXX Section XXXX A Section : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. XXXX U.S.C XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TN)

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 2023-08-29
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. (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. 

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 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 has violated my rights. Or 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 2023-08-29
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. (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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX**** Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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 2023-11-08
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)

Despite multiple written requests, the unverified account listed below continues to report on my credit report, in violation of federal law. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-08
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 have accounts passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2022-10-10
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/2022 they reported me late to Trans Union and XXXX. When the company told me I had a deferral till XXXX on a recorded phone call. I had made phone calls numerous times and stated my financial hardship asking for help when they made the mistake of giving me the wrong deferral date. 
Not only were they giving me a hard time, but I just had a family member passed away on top of the lack of responsibility the took and its completely unprofessional. I first told them I initially had to pay money for my car which is on record at XXXX XXXX. They are illegally reporting a 30 day late payment when I was told other wise. They are in violation of the FCRA and I want it removed immediately. The lack of communication either supervisors and reps at the company is absolutely terrible. They should keep everyones records with proper information so these mistakes do not happen.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. 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 XX/XX/2022 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 XXXX ( 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 XXXX 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