davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-05
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. (FL)

In my complaint, I am addressing the fraudulent accounts recently added to my credit report due to identity theft. These unauthorized accounts were discovered while I was in the process of purchasing a home, significantly impacting my ability to secure favorable financing terms. This conduct violates my rights under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681g, which entitles consumers to access their credit reports and dispute inaccurate or fraudulent information. The inclusion of these accounts without my knowledge or consent has caused severe damage to my creditworthiness and jeopardized my financial goals. This conduct has caused me a lot of distress and financially harmed me with out-of-pocket costs and loss opportunities.
Consumer complaint received 2023-07-04
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. (TX)

Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. 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 XX/XX/XXXX {$65.00} XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$3000.00} XXXX  XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XX/XX/XXXX {$570.00} XXXX XXXX XXXX XX/XX/XXXX {$230.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} 15 USC 1681 Section 602 A- States I have the right to privacy.

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

15 USCC. ( a ) ( 5 ) 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 or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

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 2024-01-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRUIST FINANCIAL CORPORATION (NY)

I paid {$3600.00} on XX/XX/XXXX via debit card with XXXX over the phone. I had been speaking with XXXX XXXX about making a full payment in this loan. They did not give me any confirmation number nor did they send an email confirming they had taken the payment. On XX/XX/XXXX, i received a debt due notice from XXXX XXXX for XXXX amount I had already paid. I am unable to reach them by phone, i sent XXXX emails with proof of payment to XXXX. They placed a negative mark on my credit reports. I am disputing this negative mark now with XXXX.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I just pulled a copy of my credit report and I noticed my personal information is being inaccurately reported and I need you guys to modify and update my information. Lenders are having a hard time verifying who I am because of the information you guys have of me. According to the Law, it is required that you report correct personal information within my consumer report, and it must be deleted and/or updated within my credit file, or you are willfully violating the civil liability section of the Fair Credit Reporting Act, 15 U.S. Code 1681n.
Consumer complaint received 2024-01-12
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: EQUIFAX, INC. (CA)

Violation of FCRA 611, Debt Collection Harassment, and Sharing of Information with XXXX XXXX Contrary to 15 U.S.C. Sections 1692d, 1692i, and 1692c Dear Equifax Information Services, I am writing to address a matter of significant concern regarding the accounts that I have reported as fraudulent to the Federal Trade Commission ( FTC ) and subsequently requested investigation under FCRA 611 ( 15 U.S.C. 1681I ). It has come to my attention that there are discrepancies in the handling of these accounts, which directly violate the rights guaranteed under this section of the Fair Credit Reporting Act. 

Not only has there been a failure to comply with FCRA 611 in rectifying these accounts, but I have also noted the absence of any proof of verified accounts in the documentation provided. The utilization of the e-OSCAR system, without providing tangible evidence or verification of the reported accounts, raises further concerns regarding the legitimacy and accuracy of the reported information. 



Additionally, I am deeply troubled by the actions of debt collectors associated with XXXX XXXX, who have been incessantly contacting me using my current information, amounting to approximately 15 calls daily. This relentless and harassing behavior violates the protections afforded to consumers under 15 U.S.C. Sections 1692d, 1692i, and 1692c of the Fair Debt Collection Practices Act ( FDCPA ). 



Moreover, it has come to my attention that the information shared through credit bureaus like Equifax has potentially facilitated this harassment by providing my current contact details to debt collectors. Such sharing of inaccurate or unverified information with XXXX XXXX, leading to their persistent and unwarranted contacts, is in direct contradiction to the requirements outlined in 15 U.S.C. Section 1681, which mandates accurate reporting by credit bureaus to prevent the dissemination of misleading or false data to debt collectors. 



As per FCRA guidelines and the FDCPA, I am formally requesting : Immediate rectification and removal of the reported fraudulent accounts. 

Tangible proof or verification of these accounts within five ( 5 ) days of your receipt of this correspondence. 

Cease and desist of any sharing of inaccurate or unverified information with XXXX XXXX. 

Immediate cessation of harassing calls by their associated debt collectors in line with FDCPA provisions. 



Please be advised that persistent contacts from XXXX XXXX based on false or unverified information reported through Equifax may result in a violation of FCRA codes, potentially leading to an immediate payout of up to {$1000.00} due to contacting me on accounts deemed fraudulent. 



I urgently request your prompt attention to these matters and expect a comprehensive and lawful resolution as per the guidelines outlined in the FCRA and FDCPA.
Consumer complaint received 2024-04-05
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)

Despite my diligent efforts, these issues persist unresolved. Enclosed is a copy of the letter I previously dispatched to the credit bureaus. Your firm 's response deemed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' It's crucial to note that I take this matter very seriously. Should you opt not to address my original request, sent via certified mail, I will not hesitate to escalate this matter to the Federal Trade Commission. I urge you to conduct a thorough review of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Failure to provide such evidence will result in my insistence on the immediate removal of these items from my report.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DC)

I have disputed this with the XXXX credit bureaus XXXX, XXXX and XXXX. 
All XXXX credit reporting agents are reporting a balance on accounts that have been charged off. The balance should report as XXXX.
Consumer complaint received 2023-12-06
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. (TX)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2024-01-06
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (AL)

I am uploading this showing my filing for identity theft which occurred in XX/XX/2022. Due to this happening money was taken from my only bank account and I wasnt able to make my payments on my credit accounts. Most of these accounts are now closed and charged off. I need these negative remarks removed to be able to get a loan if something happens to me and my family. I am the sole income of my house with a wife and a newborn. I need help please
Consumer complaint received 2024-04-05
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: VYSTAR CREDIT UNION (FL)

Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of account that are still reporting on my Credit Reports : XXXX XXXX XXXX
Consumer complaint received 2023-10-21
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 XXXX Account # XXXX, has violated my rights. 

XXXX5 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
Consumer complaint received 2024-04-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC. (IL)

After a lot of calls from this company I did not know, ( because I thought it was a scam because I never saw this name during the purchasing process ). I spoke with a few people at the number and subsequently asked for a supervisor. I was told by this person that I had to pay over {$1300.00} and that there would be no negotiation. Previously, I spoke with my banking institution prior to purchase, who were willing to assist with lower interest rates on payments ( Exeter was charging 21.78 % ). After the institution looked at my credit rating they informed me that I had dropped from a XXXX with all three bureaus to 600+ score. I was denied. Being on a fixed income that is lower than the amount being demanded, I asked about arbitration or just lower the amount. I never got to say that I wanted to retain the vehicle. I was under the belief that the payments would be {$200.00} lower. I was also told that the warranty did not contain some of the information necessary for car maintenance, I was stranded for two days and had to personally pay. I am still waiting for reimbursement I was told I would receive. And the dealership and finance company never reviewed my credit score as far as I know.
Consumer complaint received 2023-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-04-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (FL)

Transworld Systems Inc. 

Subject : Disputing Incorrect Debt Collection Notice Dear Sir/Madam, I am writing to contest a debt collection notice that I recently received from your company, Transworld Systems Inc. , regarding an alleged outstanding debt under my name. I want to assert that this debt does not belong to me, and I firmly believe that a mistake has been made. 

I have made several diligent attempts to contact the Department of Treasury in order to seek clarification and resolve this matter. Regrettably, my efforts have been in vain as the phone lines have consistently been busy, preventing me from receiving the necessary assistance. Given the urgency of addressing this issue, I am seeking resolution through alternate means. 

In addition, I must bring to your attention that I have been a victim of XXXX XXXX, which has left me physically and mentally unwell. My tumultuous experiences during this time have severely affected my personal and financial life. However, I am now taking proactive measures to regain control of my life and my identity. 

Therefore, I kindly request your cooperation in verifying all the information associated with this alleged debt with an attorney, who can serve as an impartial third party. I believe it is crucial to have a careful examination of all the facts in order to rectify any inaccuracies promptly. 

To support my claim, I hereby provide you with the official XXXX XXXX  case number assigned to my situation : XXXX. I urge you to treat this matter with the utmost seriousness, and I sincerely implore you to conduct a thorough investigation into the debt in question. 

I understand the responsibilities and obligations entailed in your role as a debt collector, and I sincerely appreciate your cooperation in resolving this matter as efficiently and promptly as possible. I look forward to your prompt response, acknowledging the dispute, and providing clarification and a resolution. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-05
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: Experian Information Solutions Inc. (AZ)

Timely payments have consistently been upheld on this account, ensuring they never lapse into overdue status. The rationale behind reports of late payment remarks on my accounts eludes me. In accordance with 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

filed a complaint about this account earlier for incorrect information reporting, you did investigation and said information is accurate which is not true. In accordance with the Fair Credit Reporting act, 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. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. Incorrect credit reporting I have an account that is not correctly reported. Account Name : XXXX XXXX XXXX XXXX XXXX XXXX you have this account as closed with a balance of {$77.00}. but this account is fully paid-off and balance on it should be {$00.00} i have attached email confirming full payment of this account.
Consumer complaint received 2024-04-05
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)

Hello, there is a fraudulent account on my credit report. A collection account under the name of XXXX XXXX XXXX with an account number of XXXX, the debt was bought from XXXX XXXX XXXX. I have never lived at XXXX XXXX XXXX. It is shown as a joint account with XXXX XXXX, I do not know this person. I contacted the collection company and the credit bureaus immediately at the realization that my identity has been stolen. After painstaking efforts and a lot of time spent on trying to get my case heard, they have refused to give me the justice I deserve as a victim of identity theft. I am trying to buy a house, this fraudulent account has totally destroyed my credit score and the dream of finally becoming a home owner. Due to lack of knowledge on how these things work, I accepted an offer for a settlement with the collection company hoping that this fraudulent account be removed from payment. But it is still appearing on my credit report, now not only I paid for the debt that was a product of identity theft, this fraudulent account is still damaging my credit score. It is my last hope that CFPB can assist me in removing this fraudulent account from my credit report and make things right.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-04-05
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

Late XX/XX/XXXX, I closed my XXXX XXXX account at a California address because I was moving ( I have a ticket number from this conversation ). XX/XX/XXXX I noticed my XXXX account had not been closed properly and I contacted them again to make sure it got closed ( I have a ticket number from this conversation as well ). 

A few months later, a collection agency letter arrives at the California address and I received some text message from that agency on my mobile phone. I looked up the debt collector information and they are saying I owe money to XXXX. Today, I called XXXX to confirm this amount and XXXX stated " I have no pending payments on my account and the debt collector must be a fraudulent ''.
Consumer complaint received 2024-04-04
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. (AZ)

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.