davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have complained previously about XXXX financial reporting a 30 days late ( in XX/XX/XXXX ) on actually day 29 ( not 30 days late ) wthe furnisher received notice of a credit dispute from a credit reporting agency, and ( 2 ) the furnisher thereafter acted in willful or negligent noncompliance with the statute.XXXX is in direct violation of federal laws. all the agencies have done asked the XXXX ( furnisher of the report ) to verify the information and XXXX verifies they are reporting correctly however that is FALSE. 
15 U.S.C. 1681s-2 ( b ) imposes a duty on furnishers of information to investigate disputed information after receiving notice of a dispute concerning the completeness or accuracy of information from a consumer reporting agency. the furnisher ( XXXX Financial received notice of a credit dispute from a credit reporting agency, and XXXX financial ( the furnisher ) thereafter acted in willful or negligent noncompliance with the statute. still reporting on day 29 instead of day 30... XXXX has willfully neglected to report correctly and therefore is in violation of 15 U.S.C. 1681s-2 ( b ). 
All there agencies named here ( XXXX, XXXX, Transunion ) pursuant to 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, have failed to establish or follow reasonable procedures, and for failure to delete inaccurate information.

ee 15 U.S.C. 1681e ( b ) ( " 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. " ) ; 15 U.S.C. 1681i ( outlining procedures for credit reporting agencies to follow in the case of a disputed accuracy ). See also Tidwell v. Bank of Am., N.A., 2018 U.S. Dist. LEXIS 24233, *6 ( M.D. Ala. February 13, 2018 ) ( " Tidwell 's claims against BoA under 15 U.S.C . 1681e ( b ) and 1681i are due for dismissal because those provisions apply only to consumer reporting agencies. " ). 
If the agencies continue to not properly investigate the late 30 days reporting incorrectly by the XXXX on XX/XX/XXXX ( late 30 days ) I am left no option but to bring a federal lawsuit for damages against each agency under Fair Credit Reporting Act ( " FCRA '' ) for injury to reputation or creditworthiness for over a {>= $1,000,000}. 
XXXX can not report alate 30 days date, when they had payment in their possession on day 30. 
XXXX continues to reprot a late 30 days in XX/XX/XXXX which is incorrect information
Consumer complaint received 2022-01-23
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: AES/PHEAA (TX)

I've continued to receiving notice that XXXX has " Verified As Accurate '' all Us Dept of Education student items on my Consumer report. How are they saying Verified it belongs to me. First I've never disowned the ownership of the student loans I've simply tried excising my rights to Inquire information since these have been placed on my credit report. I can not get a great paying job even though I am college educated because I have 13 Student loans in Collections reporting inaccurate and incomplete. Theres a hand full of violations but XXXX continues to ignore my disputes and my factual disputes I've sent in. 

Student Loans are classified as Collections but reporting a " Late '' payment after being closed It's a violation to have a " Monthly '' payment being reported on a collection It's a violation to have a " Balance '' being reported on a collection It's a violation with the account is " Closed '' but activity continues being reported on a collection It's a violation to continue reporting " COL '' every month on a collection It is a Violation to continue changing my " Date of Last Activity '' all because the collector wants to illegally collect. 

1. US Dept. of Education XXXX 2. US Dept. of Education XXXX 3. US Dept. of Education XXXX 4. US Dept. of Education XXXX 5. US Dept. of Education XXXX 6. US Dept. of Education XXXX 7. US Dept. of Education XXXX 8. US Dept. of Education XXXX 9. US Dept. of Education XXXX 10. US Dept. of Education XXXX 11. US Dept. of Education XXXX 12. US Dept. of Education XXXX 13. US Dept. of Education XXXX Please tell me how and what you did to Verify? Please do a independent Investigation.. After you have investigated send me everything pertaining to the investigation.. If it's not thorough please Delete because this is killing my ability to provide for my family.. I have a new born son with no job, no car to get him to doctor appointments. 

No one with finance or extend credit with this being reported inaccurate and incomplete Please have empathy and do the right thing..
Consumer complaint received 2022-03-14
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital ONE : Late Payment : XX/XX/2021 I didn't have a late payment during this time. I request that the credit bureau to investigate this late payment. The credit bureau has not contacted me after 30 days. This incorrect information is negativity effecting my credit score and should be removed immediately as soon as possible.
Consumer complaint received 2022-03-14
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: SYNCHRONY FINANCIAL (IL)

XXXX  XXXX : XXXX XXXX : XX/XX/2021 I didn't have a late payment during this time. I request that the credit bureau to investigate this late payment. The credit bureau has not contacted me after 30 days. This incorrect information is negativity effecting my credit score and should be removed immediately as soon as possible.
Consumer complaint received 2018-11-28
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: Bread Financial Holdings, Inc. (MI)

On XX/XX/2018, I applied for a XXXX XXXX credit card through XXXX XXXX using an on-line application. I received an automated email message confirming receipt of my application, which indicated that I would hear back within 2 weeks. 

On XX/XX/2018, after hearing nothing from XXXX XXXX or XXXX, I applied again on-line. I received the same automated email message as on XX/XX/XXXX. 

On XX/XX/2018, I stopped into a XXXX XXXX store to inquire about the status. I was told that the application was being processed. 

On XX/XX/2018, I called the phone number on the XXXX XXXX web site to inquire about the status. After being transferred four times, someone from XXXX told me that I had been sent a letter in XXXX and that I must wait for it to arrive. I noted that a letter that had been mailed in XXXX that had not arrived by XX/XX/XXXX was probably lost, but they refused to give me any additional information. 

On XX/XX/2018, I received a letter dated XX/XX/2018 that stated, in part, " Our records show that we received more than one application from you within a 30-day timeframe. Unfortunately, we do not process any additional applications received within 30 days of a previous application. At the time of your previous application, we sent you a letter notifying you of our decision. '' Having not received any response to my XXXX application, despite numerous attempts to contact them, I believe that Comenity Bank is in violation of the Fair Credit Reporting Act, which requires the lender to notify an applicant of a credit decision within 30 days of application.
Consumer complaint received 2018-11-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc. (TX)

Conn 's stated that I owed a debt for {$1600.00}. They transferred the account to a third party name XXXX. I made a settlement offer to XXXX for {$480.00} to settle the account in full and now Conn 's won't settle the account to XXXX balance on my credit. The collection place XXXX stated they couldn't put a XXXX  balance since they wasn't the ones who report to the credit bureau. I tried calling Conn 's over 10 times to get the matter resolved and still no answer. I fax over the letter to Conn 's letting them know I settle the account on XX/XX/2018 and they still won't report to the credit bureau it was settle. I talk to a supervisor name XXXX in recovery and I keep getting the run around. I tried telling them Im in the process of buying a mortgage and I need my account to be settle to a XXXX  balance, along with a letter.
Consumer complaint received 2022-01-23
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. (SC)

This company have infringed my rights as a consumer and refuse to remove the inaccuracies on my consumer report. I have sent in multiple disputes stating violations and inaccuracies that's on my consumer report. They have refuse to give me proper validation I asked for. Took over 45 days to look into the problem and refuse to give me a clear answer and without the information i asked for, and ignored my rights as a consumer, ignored the laws of the FCRA. They have continuously ignored 15 USC 1681e ( b ), 15USC 1681a ( 2 ) ( B ), and 15USC1681b ( 2 ) ( 3 ) repeatedly. For them refusing to remove these inaccuracies on my consumer report makes them civilly liable, which is {$1000.00} for each violation they commit under 15 USC 1681n. I have been keeping a paper trail of everything I sent them and they received concerning the inaccuracies on my consumer report, so I have proof of their negligence, by them refusing the laws has hindered me from lots of things, and has cost me stress. I want those items removed immediately. This is unfair and unjust for me as a consumer, and they are not doing their job as a reporting and ensuring maximum accuracy. These items are not suppose to be on my report, and i want them removed.
Consumer complaint received 2022-09-26
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. (NY)

I filed a dispute with Experian regarding inaccurate information ( late payments on XXXX XXXXXXXX XXXX  and a Bankruptcy ) on my credit report. 15 U.S.C 1681 section 602A States I have the right to privacy. These incorrect items are not on XXXX or XXXX ONLY Experian is reporting false information on my report. 15 U.S.C. Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. I requested they provide me with methods of verification they used to verify these false items. They keep saying verified without any proof. It's been well over 45 days and I haven't received any investigation results.
Consumer complaint received 2022-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

Experian is practicing illegal reporting. Experian purposely is reporting inaccurate addresses on my credit report even after being notified on numerous occasions that the addresses was/is NOT MINE. Experian is defaming my charter by illegally reporting addresses on my credit report that doesnt and never have belonged to me. I have been denied credit because of this issue as well.
Consumer complaint received 2022-07-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/2022, I found an item to purchase online and paid {$270.00} for the item via XXXX through my bank 's wbsite. I later found that the seller 's website is similar to the legit website of the manufacturer. The scammer 's website is XXXX XXXX XXXX and legit website is XXXX. I contacted my bank, Truist, as instructed by XXXX, and filed a claim on XX/XX/2022. On XX/XX/XXXX, Truist Bank sent me an email stating that my claim was denied because the payment was authorized and was not fraud. I was told by XXXX that that the scammer has a retail token and opened the account XX/XX/XXXX, and is depositing funds in XXXX XXXX I would like my funds refunded because it's obvious now and well known in government that XXXX does not vet applicants thoroughly along with the bank XXXX association with XXXX. Please help in any way you can.
Consumer complaint received 2022-07-07
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 US 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-26
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. (FL)

XXXX # XXXX {$0.00} XX/XX/XXXX XXXX  # XXXX {$0.00} XX/XX/XXXX XXXX # XXXX {$4000.00} XX/XX/XXXX THE FOLLOWING ACCOUNTS ARE REPORTING FRAUDULANT
Consumer complaint received 2022-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

After contacting Experian on numerous occasion through certified mail regarding XXXX XXXX. They are continuing to report this inaccurate account. This is defaming my charter. Experian is the only bureau reporting this the account. This goes against FCRA requirements and guidelines. Experian knows this is against but they continue to report it anyway. I have attached a screenshot showing that westlake financial was deleted from XXXX and XXXX because the XXXX XXXX  account wasnt in compliance with the FCRA laws. Please be advised that Experian is aware of this violation but they continues to violate my rights as a consumer.
Consumer complaint received 2022-01-23
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: Experian Information Solutions Inc. (TX)

I checked my credit report and I noticed there were inquiries listed that I did not recognize. 
I contacted ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ), who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 
Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act
Consumer complaint received 2022-07-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (TN)

I asked this company to provide me with original contract with my wet signature because i notice this company on my credit profile but was unaware of this fraudulent account being on my consumer profile. Your company could not provide documentation of what i asked and this proved upon reasonable doubt that this was obtain fraudulently. I also reported this to the XXXX major bureaus. This company has 30 days to remove debt when they cant provide original contract. I am the only natural person that can validate or give consent of an obligation that you the debtor says i owe according to 15 USC federal law 1692 ( e ). 
this frqaudulent account has caused damages to me and my family and has obstacles for me to obtain credit, therefore making you the company liable to such person in an amount equal to the sum of XXXX according to F.D.C.P.A 15 USC 1692 ( k ) and has been filed in the XXXX district court. 

Thank you XXXX XXXX
Consumer complaint received 2022-07-07
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX has violated my rights. 15 US 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2016-01-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCC Business Services, Inc. (FL)

I rented a home from XXXX XXXX XXXX XXXX in XXXX XXXX. I paid a {$1200.00} security deposit, I was informed by my employer that I needed to transfer out of state in XXXX XXXX. I paid XXXX XXXX rent in the amount of {$950.00} on XXXX XXXX, XXXX. I informed XXXX XXXX XXXX XXXX at the first of XXXX XXXX that I would need to break the lease due to being transferred out of state. XXXX XXXX XXXX XXXX stated that I would forfeit my full security deposit as my early lease termination fee and I agreed. i vacated the home on XXXX/XXXX/XXXX and I received a email the following week from XXXX XXXX XXXX XXXX containing XXXX attachments. The first attachment was a letter dated XXXX/XXXX/XXXX stating that my security deposit had been forfeited for the early termination fee and to see additional attachment pertaining to additional charges. The second attachment with the breakdown of charges reflected these additional charges : {$300.00} for repainting XXXX rooms ( I was given verbal permission to paint these rooms and i had a professional contractor paint them. {$170.00} for rekeying the locks and a {$100.00} cleaning fee all totaling {$570.00}. The statement reflected my security deposit as {$950.00} which was not correct and leaving a the statement reflected i owed a total of {$400.00}. I called XXXX to dispute this matter and could not get the issue resolved. The rent credit for the 11 days that I did not occupy the home from XXXX/XXXX/XXXX thru XXXX/XXXX/XXXX in the amount of {$330.00} was not credited back to my account. I am not legally responsible for these 11 days due to the fact that I was not occupying the home. In XXXX XXXX I checked my credit report and found that a collection agency ( NCC Business Services ) had placed a account on my credit for XXXX XXXX XXXX XXXX in the amount of {$1700.00}. I immediately contacted the collection agency to dispute and I was informed to send a dispute to them via email in which I did. I then disputed this account with all XXXX credit bureaus providing proof of all written correspondence that I have previously mentioned in this complaint. The credit bureaus responded back stating that consumer disputes and this account meets FCRA requirements. I want this matter resolved and removed from my credit report.
Consumer complaint received 2022-09-26
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. (MI)

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