davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

They reported late payments and didn't follow law accordingly 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.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

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 2024-03-29
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. (NY)

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 XXXX XXXX. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-01
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. (FL)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2023-11-30
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)

Experian XXXX. XXXX. XXXX. XXXX XXXX XXXX XXXX. XXXX. XXXX. XXXX Requested validation of accounts on XXXX XXXX
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TN)

Credit reporting is 7 years from the date of first delinquency! 

My student loans first delinquency date is XX/XX/2017. 

The accounts are past the statue of limitations and needs to be deleted from my credit report immediately. This is a violation of the FCRA. 

Account : Dept of ED/Nelnet Account : Dept of ED/Nelnet Account : XXXX XXXX of XXXX
Consumer complaint received 2024-03-29
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. (MD)

XXXX XXXX XXXX XXXX is furnishing inaccurate information on my credit report. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my way of living and my ability to obtain credit for personal and house purposes. The inaccurate reporting has damaged my personal my life. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Experian verified an inaccurate account. How do you verify a charge off account? 

As defined by the IRS even if you dont receive a form 1099-C, you must report that as gross income on your tax return. The IRS clearly defines a charge off as gross or ordinary income, income does not get reported on the consumer report! You are hearby put on notice that you are furnishing incorrect inaccurate information. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.
Consumer complaint received 2023-11-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (MA)

I started receiving phone calls from XXXX different numbers on XX/XX/2023 and XX/XX/2023. First number for credence resource management was XXXX XXXX XXXX. 
Second number was XXXX XXXX XXXX. When I look up these phone numbers it says these numbers are not safe and online advisement is not to talk to anyone calling from these numbers. Credence is trying to collect a debt allegedly owed to XXXX and XXXX XXXX for a cell phone bill under my name that was sent to an address to an address in Connecticut. I have lived in Massachusetts since approximately XXXX XXXX XXXX when I moved to Massachusetts from Pennsylvania with my parents. I am requesting that Credence Resource Management cease calling me to collect a debt I do not owe.
Consumer complaint received 2023-07-12
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. (OH)

I did not initiate these inquiries, 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 2023-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2021-01-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (LA)

Back in XX/XX/XXXX I decided to go back to school for XXXX XXXX through XXXX University XXXX. I received my XXXX XXXX in XX/XX/XXXX and since then it's been a total nightmare. XXXX College, part of XXXX  Colleges, was a network of for-profit schools charged with systemic fraud by the Consumer Financial Protection Bureau and the Department of Education. They did a partial discharge which doesnt help anything because the 10 % discharge only covered the interest they added.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credence Resource Management, LLC (TX)

I have disputed multiple inaccuracies on my credit due to third party companies having my information; closed accounts in open status with active balances, incorrect balances and reporting ; incorrect spelling of my name; incorrect addresses ; inaccurate late payment reporting after negotiating terms with creditors.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Ability Recovery Services, LLC (FL)

I checked my credit report again today and I noticed that this company is still reporting this account on my credit file that has no verification or notices according to FCRA to be on my credit file. 
They have not sent me anything in reference to this account they have just placed this account that don't belong to me on my credit file. 
Account disputed/ Inaccurate / violation of FRCA : This account is in violation of the U.S Codes listed below : 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements ( b ) Opt out - provide original copy of notice sent to me 21 days prior to account being updated ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) The consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Consumer complaint received 2023-07-12
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. (TX)

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 inaccurat
Consumer complaint received 2023-12-01
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)

I submitted a dispute through Experian about a collection on my credit report, and the result came back saying that i owe this money. When i contacted Experian about the results, they told me that the company respond with a letter saying that i owed the money without explaining what it was for, or showing prove that we did damage/stain the carpet. So Experian just took their word for it just from that letter. We never owed rent or anything, and i took my credit very serious. But i quest i have no right and i don't matter as a consumer. 
Experian didn't do their job on protecting my rights as a consumer. You can check my credit and see that i never had anything negative on my credit report. I just want them to investigate this collection properly and for the company that reporting that i owed money to show prove and not just take their word over mine.
Consumer complaint received 2018-12-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

On XX/XX/2018 I received an alert via email from XXXX XXXX and XXXX XXXX, regarding a change in my credit score. The change came from Capital One, which came with a {$300.00} credit limit and was cancelled on XX/XX/2018 @ XXXX XXXX. The card was also destroyed on that date and I was responsible for the remaining balance. After making a {$200.00} payment, I was informed ( after asking the right questions ), that there were additional charges of late fees and interest. When I closed the account and destroyed the card, it was my understanding that only the remaining balance was owed. This since I no longer had a physical card to use, it was explained to me that the remaining was all that was owed. Capital One has charged {$280.00} in late fees and interest on a closed account. In speaking with representatives, who were unprofessional, combative and confrontational. Also refusing to provide adequate information, choosing to refer me to a P.O. Box to send complaints. After again calling and attempting to escalate the call on XX/XX/2018. I was again given the run around as to my original cancel/closing dates. Choosing me to write in to complain. It is my hope that CFPB can assist me to expose this suspect and shady company and their horrible bank practices.
Consumer complaint received 2023-08-30
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. (NY)

I contact experian 2 times about the same account not being 100 % accurate and complete. also the dispute status was not update last month. i got a email from experian saying my dispute is ready and when i open the dispute on there website they tell me to call them. i want everything through mail. i don't talk on the phone
Consumer complaint received 2023-11-08
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MA)

XXXX dollars from 2011, my son went to the XXXX and at that time we all changed to XXXX XXXX and told XXXX. XXXX states we never cancelled his phone. It was 12 years ago. Still trying to collect after all this time. I haven't used XXXX for 12 years. I have good credit but they are still trying to get me to pay a bill that was never due.
Consumer complaint received 2023-08-30
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. (MO)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2018-12-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/2018, I applied online for a TD Cash Visa credit card through an offer promising a bonus of XXXX points ( worth {$200.00} ) for spending {$500.00} within 90 days. My application was approved and I was issued a TD Cash Visa credit card. I made more than the required {$500.00} in purchases on the card within the first 90 days, and while I did receive a bonus, it was only XXXX points ( worth {$150.00} ) rather than the XXXX points ( worth {$200.00} ) specified in the bonus offer. I mailed TD Bank a letter about this on XX/XX/2018, but received no response.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TN)

When I had stay In XXXX XXXX they had bust all my windows out my apartment, they kick my door in with guns. I had call the police I made a police report about what had went on. I had call the offices let them know what had went on they told me they could help it was up to me what ever happened it not on them all. Now I don't stay in XXXX I move out town trying to get my places back for me and my kids we been homeless for a year behind. They had stolen my identity with my purse.
Consumer complaint received 2023-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (NJ)

TD Bank has failed to implement basic protection to protect card holders from fraud. I have a credit card issued by TD bank. This card is rarely used and the amount charged on the card is not exceed {$100.00} per transaction. 

The card was added to an XXXXXXXX XXXX without my permission. TD bank failed to notify me that the card was added to XXXX XXXX 

Then, the card was charged over {$9000.00} for three transactions in one day. The smallest amount of the three charges is over {$1500.00}. In light of the extremely abnormal transactions and excessive amount of charges, TD bank approved the charges without notified me. 

I was surprised to find out that I have a balance of over {$9000.00}. When I called TD bank to dispute the charges, I was told that I have to pay the minimum balance if the dispute didn't resolve by the payment due day. 

This is outrageous! 

TD Bank has failed to protect its cardholders.
Consumer complaint received 2024-01-07
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. (AL)

According to the FCRA my federally protected rights have been violated 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 Unauthorized No permissible purpose 15 U.S. Code 1681b - Permissible Invasion to my right to privacy
Consumer complaint received 2023-07-11
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. (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. 

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. 

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 agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-11
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)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

During the months of XX/XX/XXXX ' and XX/XX/XXXX my mortgage was deemed late via XXXXXXXX XXXX. My bank had a glitch within the bill pay system. As you can see I haven't been late since or before.