davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-09
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. (CA)

I don't recognize these inquiries on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX 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/2024 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 an 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.

1637 ( 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 1002 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 8
Consumer complaint received 2023-09-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I don't recognize these inquiries on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-01
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Outsource Group, Inc (SC)

On XX/XX/2018 I requested validation from XXXX of an item being reported on my credit report in violation of my HIPPA rights. XXXX XXXX XXXX has my medical information without me signing a HIPPA release form that releases my medical information to them. I have not received a response as of XX/XX/2018 of this item being removed from my credit report. I am in clear violation of my rights according to HIPPA. This derogatory mark reflects very negatively on my credit report. XXXX is embarrassing me by reporting incorrect items on my credit report resulting in me being denied while trying to purchase my first home. I am a serious consumer who is proceeding with legal actions against XXXX should this item not be deleted from my credit report ASAP!
Consumer complaint received 2018-05-01
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: Experian Information Solutions Inc. (TX)

i have filed several disputes with XXXX dealing with a few accounts. i have sent proof that the information is not reporting correctly, yet they send automated letters saying it updated and verified. it can not be verified as it still reports incorrectly. i have asked for information on how the investigation took place and what info did they have to prove that the information is correct. On XX/XX/XXXX they received the first dispute asking to investigate along with PROOF. they responded that the information was updated, however it was NOT. on XX/XX/XXXX i sent a re-investigation letter asking for details of how the proved the account they did not send any information but claimed it was verified. they did not aknowledge any letter i sent. XXXX XXXX has admitted that they do not have any information to validate that I am truly liable to a debt, yet XXXX  says they have it and will not send to validate the debt.
Consumer complaint received 2021-06-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (FL)

I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with CREDENCE RM plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$4800.00}
Consumer complaint received 2023-09-09
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)

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 name : # XXXX, Account name : # XXXX, Account name : # 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 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 2023-09-09
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: EQUIFAX, INC. (GA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 EQUIFAX MTG XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

XXXX XXXX XXXX keep opening and closing an account on my XXXX XXXX and my equifax credit report. Ive wrote numerous letters to have it removed. I would like it removed from my credit report asap please.
Consumer complaint received 2023-10-12
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (AZ)

I am not liable for this debt of {$190.00} with MERCANTILE ADJMT BR Account number : XXXX I do not have a contract with MERCANTILE ADJMT BR, they did not provide me with the original contract as requested with my wet signature and ID Verification.
Consumer complaint received 2022-12-10
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This company violated my rights per the Fair Credit Reporting Acts- 15 U.S.C . Secs. 16811681x., 15 U.S.C . Sec. 1601 et seq., Pub. L. No. 108-159, 117 Stat. 1952. I have never conducted business with them. I am not liable for this debt with them and I do not have a contract with them at all. They did not even provide me with the original application like I requested several times ( 5 ) now. I did not give them written permission either to report this to any credit bureau or add to my credit report. All I ever received was a generic email stating that this account has been verified and I asked how? No response ever given due to it being a generic email that they send to all their customers. I even called on yesterday to get this item removed and was told it could not be removed after being on the phone with them for almost 3 hours trying to reach a real person. I was transferred to almost every department in the company instead of the right one I requested, which was the fraud department. I think they use this tactic also just to get the consumer to just hang up and say forget it. This is not right at all to us because some of us are trying to buy a house, a car and even get a job that relies on you having good credit. The account and information is listed below. 

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 0 % paid off Balance XXXX Balance updated XXXX XXXX XXXX Original balance XXXX Account info Account number XXXX Date opened XXXX XXXX XXXX  Account type Debt Buyer Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department
Consumer complaint received 2024-03-12
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. (NE)

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 2023-06-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current (NY)

On XXXX XXXX I was charged by the company XXXX XXXX in the amount of {$320.00} through my bank Current. I did not authorize this transaction and my card was fraudulently used. I did not come back into XXXX until XX/XX/XXXX and that is when I noticed my statement. I tried to reach out to the company but it was not able to get in touch with anyone. I reached out to my bank and they said they would investigate, however there was no proper investigation and they denied me. I am out over {$300.00} and the bank is refusing to return my money. I need help
Consumer complaint received 2023-09-09
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. (NC)

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, 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 2023-09-09
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. (NC)

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 XXXXXXXX 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 2024-03-12
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. (PA)

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 2018-05-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (OH)

On XX/XX/XXXX my attorney sent certified mail to XXXX XXXX also know as XXXX XXXX in an attempt to settle my debt. It contained a settlement letter and check # XXXX for the amount of {$500.00}, both of which stated that negotiation of the check shall constitute complete satisfaction of claims. The last 4 digits of my account number were written in the memo section of the check stating full settlement. On XX/XX/XXXX, the settlement check for {$500.00} was cashed. 

The credit agencies are still reporting I have a past due balance, I believe that this is a violation of the Fair Debt Collection Practices Act, 15 U.S.C.1692 ( c ) as this debt has been settled by the original creditor and should be reported as paid settled with {$0.00} balance due. 

I called XXXX 's on XX/XX/XXXX but was not able to resolve this matter.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MO)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-09
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 did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX  Date of Inquiry XX/XX/XXXX
Consumer complaint received 2023-05-23
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. (GA)

I filed a complaint with XXXX, XXXX, and Transunion on XX/XX/2023, XX/XX/2023, and XX/XX/2023 and have not received a response. As a result, they are in volition of the following, 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

The account is not reporting accurately on XXXX account XXXX and it is causing a hardship for me in getting our home. Initially, it was removed from my credit in XXXX of 2023 and all of a sudden they put it back on my credit. I contacted Experian, XXXX, and XXXX to remove and there was no help or response.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (MD)

As I viewed my credit report I noticed some inaccurate reportings on it from the creditor. This inaccurate information is hurting my payment history and in turn bringing my credit score down and blocking me from providing the financial freedom my family deserves.I emailed the creditor and asked for a payment history and for this to me resolved but i got no response.
Consumer complaint received 2023-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I applied for secured credit with Capital One XX/XX/XXXX and was approved with a deposit amount of {$200.00}. I made the deposit XX/XX/XXXX via my checking account. I got a email prior to this call XX/XX/XXXX that the card would be delivered by XX/XX/XXXX. I received a phone call XX/XX/XXXX stating that my information was flagged and I wouldnt be able to use the card nor receive it. I was told to send my drivers license, social security card, utility bills and 3 statements in which I did. The issue at hand is why was this information not requested when I applied for the card prior. Now I have to wait additional time to receive my card which has caused an inconvenience. I applied to help with my credit as Im repairing but they have done this last minute which is outrageous. I sent over the documents that they requested but was told I would have to wait an additional 7-10 business days which is another outrageous process.
Consumer complaint received 2023-08-15
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: EQUIFAX, INC. (CA)

My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or Creditor 's customer service representative.
Consumer complaint received 2023-09-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc. (SC)

In XXXX while living in XXXX md, I signed up for XXXX XXXX, with an 18 month contract. Within the contract they were supposed to provide internet that could support streaming and cable for XXXX a month. Long story short they could not provide speeds that supported their own on-demand features and the account was downgraded to cable only for XXXX. XX/XX/XXXX I took a new job and moved to XXXX. Paying my final bill and closing the account. Keyword ... XXXX. The debt this CA is trying to claim on my credit report is one, inaccurate as the debt was paid and the account closed. More importantly, they are falsifying the dates for XXXX so they can impact my credit for the 7yrs its allowed and try to scam and extract money from consumers not owed. This company needs to be investigated for their attempts at collecting on a debt not owed, falsifying amounts and most importantly intentionally listing inaccurate dates to drive up their probability of payment on a collection. It is their responsibility to list the CORRECT and true information of a debt. I don't know how long this has been going on but I find it completely unethical for a CA to use such dishonest tactics to scam consumers and attempt to extort them.