davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-09
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. (PA)

I have been disputing this credit card account ending in XXXX for several months. 
On XX/XX/2023 I spoke with XXXX XXXX XXXX XXXX team and claims team. This called was monitored and recorded. I let the agent know that this account was indeed fraud didn't belong to me. A few days letter I received a letter from XXXX XXXX XXXX stating that they have completed the review and my dispute was resolved and no additional action was needed and the account would be deleted from my credit reports within 30 days. 30 days has passed and the account is still reporting. Today XX/XX/2023 I called and was told they never sent a letter in XXXX and the dispute was denied inXX/XX/2022, this call was also monitored.
Consumer complaint received 2024-04-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

t has been months and many months, I noticed that Portfolio Recovery Associates placed {$270.00} in my credit report for collection. I never gave Portfolio Recovery Associates my consent and authorization to place any information in my credit report. I never received any products or services from Portfolio Recovery Associates. I never entered into a legal and lawful contract with Portfolio Recovery Associates. I demand that Portfolio Recovery Associates provides me proof of a legal and lawful contract between me and them. I demand that Portfolio Recovery Associates provides proof beyond any reasonable doubt that I ever gave them my consent to defame my honorable character with XXXX XXXX, XXXX, and XXXX for the alleged debt. Finally, I demand that Portfolio Recovery Associates remove their fraudulent account from my XXXX XXXX, XXXX, and XXXX credit report immediately. P.S XXXX demand that Portfolio Recovery Associates validate, verify, and authenticate this alleged debt. I demand this alleged claim is deleted from my XXXX XXXX, XXXX, and XXXX credit report Immediately. I am now putting Portfolio Recovery Associates XXXX XXXX, XXXX, and XXXX on notice for fraud and repeatedly violating the FCRA.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRAXXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Consumer complaint received 2024-04-25
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: FREEDOM FINANCIAL NETWORK (NY)

The late payments in question violate the provisions outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681a and 15 U.S. Code 1681b, which mandate accurate reporting of credit information and disclosure of permissible purposes for accessing credit reports. Additionally, the creditor 's actions may be in violation of 15 U.S. Code 1666b, which prohibits creditors from treating credit card payments as late under certain circumstances. 

Despite my attempts to rectify the situation directly with the creditor, the late payments remain on my credit report, causing undue financial harm and impeding my ability to access credit on fair terms. I am reporting this because I want to ensure compliance with federal regulations governing credit reporting and lending practices. 
XXXX. XXXX - XXXX
Consumer complaint received 2022-10-18
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. (NY)

I submitted a letter to the 3 Credit Bureaus XXXX XXXX, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update or correct this immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC (TN)

I called Receivable Management Services on XX/XX/XXXX and was given a settlement amount to clear a XXXX XXXX balance of {$73.00}. I accepted the settlement amount and paid by phone. I requested a settled in full letter and for my credit bureaus to be notified immediately. As of this morning, XXXX was notified that I only made a payment of {$73.00} and the account status is listed as UNPAID with XXXX due.
Consumer complaint received 2021-01-15
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: EQUIFAX, INC. (CA)

XXXX XXXX  XXXX reported a delinquent account belongs to someone who dont have social security number or driver license to credit bureaus just by name and amount he or she owed. 
Equifax filed the false account under my name and it damaged my credit. 
I was about to sign a mortgage loan then was not able to do it due to decreased credit score. 
My estimated closing date is XX/XX/2021. 
XXXX and Equifax are telling me to wait at least XXXX. 
But I dont have time to wait. 
Definitely Equifax did not check the information properly and made a mistake which caused me financial and psychological damages. 
Please help.
Consumer complaint received 2023-07-20
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. (NY)

I have carefully reviewed my credit report in Experian. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I have been trying to dispute 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 2023-08-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (SC)

Honda Financial finally posted my 9 car payments ( XX/XX/XXXX through XX/XX/XXXX ) and they are overcharging me interest applying my XXXX payment ( Payment amount of {$140.00} they applied {$940.00} toward the principal and {$95.00} toward principal ). For my next 8 payments ( XX/XX/XXXX through XX/XX/XXXX ) they are also charging me the same interest rate of {$95.00} per payments ( 8 of these ) although my principal should have been reduced on each payment. Also, I did not receive a complete statement instead they told me to XXXX. I have NEVER set up an online account with Honda. I have no idea how they applied the 4 payments that I have no record of ( based on them applying the wrong interest on the first 5 payments I assume they overcharged me on the next 4 payments. I do not know when they applied the {$330.00} that was supposed to be applied to the principal.
Consumer complaint received 2023-11-10
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Mortgage in forbearance currently began process of ending forbearance and having balanced defer. Spoke to loan company that it has been longer then 30 days they said they are aware and they are processing deferral of any balances and that it should not show as delinquent on our credit. Explained to loan company we are showing delinquent payment more then 30day they, loan company, agreed that this should not be showing on credit as delinquent as they are still processing deferral instructed us to dispute this reporting to credit bureau.
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I have submitted multiple requests to Experian to fix an error with an account status and payment history on the account. Despite the fact that I have provided them with dates the account was paid off along with names of the customer service rep that emailed me confirmation that the debt was paid, Experian still has NOT updated my report. Experian is NOT following FCRA guidelines nor did they properly contact XXXX as they are REQUIRED TO DO to verify the debt.
Consumer complaint received 2023-07-20
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. (FL)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2023-04-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

National Credit Systems XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$26000.00} National Credit Systems XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX at XXXX XXXX  XX/XX/XXXX {$4600.00} I called on several occasions and was told I had to pay that debt or they were going to keep harassing me and calling me
Consumer complaint received 2023-07-20
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. (NY)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-07-20
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. (CA)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion 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 2023-11-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2024-04-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Systems International, Inc. (TX)

Started complaint with XXXXXXXX XXXX XXXX XXXX  ( Report # XXXX ) to dispute Credit Systems Inc. once again just sending a report to credit bureaus and I have no opportunity to see final bill or check with my insurance about what was paid and what was still owing ( I have recieved nothing ) XXXX refuses to request a bill from Credit Systems Inc. so I have ABSOLUTELY nothing to go on
Consumer complaint received 2024-09-16
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: Experian Information Solutions Inc. (GA)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2021-01-16
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. (FL)

In reference to this credit report number XXXX from XXXX I try to get in contact with them to delete XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX on his way in XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I do not recognize these charges on it come from a person with a similar name as me but I have a police report and Im uploading and I would like all the sizes and all the incorrect name so my file delete it from Trans Union XXXX and XXXX
Consumer complaint received 2022-10-17
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: Experian Information Solutions Inc. (AZ)

In accordance with the Fair Credit Reporting Act FCRA these creditors have violated my rights for these accounts : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.
Consumer complaint received 2024-11-14
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. (CO)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (FL)

After reviewing my credit report i have noted some discrepancy on Account Number XXXX XXXX  CAINE & WEINER COMPANY INC validation was requested and none was provided. I have not received any correspondence from them only harassing calls.
Consumer complaint received 2022-12-03
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: EQUIFAX, INC. (LA)

In accordance with the fair credit reporting, Act XXXX  XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX # XXXX, has violated my constitutional rights. 

15.U.S.C. 1681 section 602A ( States ) I have the right to my privacy.

15.U.S.C. 1681 section 604A section 2 : it also states a consumer reporting agency, can not furnish my account without my written instructions.
Consumer complaint received 2023-06-01
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am in the process of trying to buy a home and everything was going great until my credit dropped almost 40 points because of a said " late payment ''. I was in contact with the company trying to dispute this and they still came back and said it was late. I have the account statement showing that my payments were made. And even if they claim i was late my account as of today stands as current. why can't they just remove the late?