davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-23
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)

I am writing to formally dispute the inaccurate reporting of a late payment for my XXXX XXXX XXXX  XXXX account # XXXX for XX/XX/XXXX. The payment due date for this account is the XXXX of each month, in line with the original account opening date of XX/XX/XXXX. The payment in question was made on XX/XX/XXXX, which is well within the 30-day window. As such, the late payment remark for XX/XX/XXXX is incorrect and should be updated to reflect that the account was never late, or it should be removed entirely. 

Violations of the Fair Credit Reporting Act ( FCRA ) : Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. The refusal to correct this clear inaccuracy, despite the evidence provided, constitutes a violation of this provision. Additionally, 15 U.S.C. 1681i requires that credit bureaus reinvestigate any disputed information if the consumer provides reasonable evidence that the information is inaccurate. 

Violations of the Fair Debt Collection Practices Act ( FDCPA ) : The incorrect reporting of the late payment, despite evidence to the contrary, may also constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e, which prohibits false or misleading representations in connection with the collection of any debt. Reporting a late payment that was made within the required time frame is misleading and damaging. 

XXXX XXXX Compliance Issues : The XXXX XXXX format, which is the industry standard for credit reporting, requires consistent and accurate reporting of account information. The incorrect late payment reporting for XX/XX/XXXX, despite the payment being made within the acceptable window on XX/XX/XXXX, indicates non-compliance with XXXX XXXX guidelines. This non-compliance further warrants the immediate correction of this information. 

Request for Immediate Action : I am requesting that you instruct the credit bureaus to update the late payment remark for XX/XX/XXXX on my XXXX XXXX XXXX  XXXX account # XXXX to never late or remove the remark entirely. Additionally, I request an updated copy of my credit report reflecting this correction.
Consumer complaint received 2022-07-28
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. (NY)

XXXX XXXX credit reporting agency has been incorrectly reporting my credit borrowing and repayments records. 
Experian is the only one of the three commonly used reporting agencies that published my credit score XXXX points lower than the other two. 
I had been denied loans and credits cards even from a bank that I have been doing business with for year. One that I had two loans with and a credit card, with no history of late payments in the five plus years on the lives of the loans. 
Due to the significant difference in my credit rating from Experian, I had been denied other cards and only approved for ones with very high interest rates. 

Apparently, you must join their Experian credit 'Boost ' program before they might correct it.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2022-07-29
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. (GA)

I, XXXX XXXX, as a consumer, living man and one of the People mentioned in the Constitution for the United States of America, am aware of all my reserved rights, protected by the Constitution for the United States of America, all state constitutions, and by Congress under the Fair Credit Reporting Act ( FCRA ). Pursuant to 15 U.S. Code 1681a ( b ), " the term 'person ' means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. Pursuant to FCRA/15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), 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. Pursuant to FCRA/15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ), 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. Pursuant to FCRA Section 602 ( a ) /15 USC 1681 states that I have a right to privacy. Pursuant to FCRA Section 604 ( a ) /15 USC 1681b states that a consumer reporting agency can not furnish an account without my written instructions. Pursuant to Fair Debt Collection Practices Act ( FDCPA ) Section 804/15 U.S. Code 1692b, " any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- ... ( 2 ) not state that such consumer owes any debt ; and ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. The FDCPA Section 803 ( 6 ) /15 U.S. Code 1692a defined debt collector/person, XXXX XXXX XXXX  does not have my written instruction to furnish any alleged debt on my consumer reports, especially one that is hearsay evidence, nor any of my personal information disclosed or my alleged involvement with the alleged debt by another person ( XXXX XXXX XXXX  ). XXXX XXXX XXXX must adhere to a consumer 's right to privacy. Account Name : XXXX XXXX XXXX, Account Number : XXXX has violated my rights multiple times and for years now. Pursuant to 28 U.S. Code 1746, I, XXXX XXXX, verify under penalty of perjury under the United States of America that the foregoing is true and correct. Executed this day XX/XX/2022. XXXX XXXX XXXX
Consumer complaint received 2022-05-25
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. (NY)

Please see attached identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have repeatedly ignored my verified claims. They are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Consumer complaint received 2023-06-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (PA)

Good afternoon. I have exhausted all options in attempting not to file a complaint against CITI Bank ; however, I couldn't get a resolution. I was owed XXXX XXXX in interest and only received XXXX on XXXX. On XX/XX/18, I made a large withdrawal and confirmed with the teller that I would get XXXX days of interest with my withdrawal amount and XXXX with the post amount. It didn't come that way, and I called citi bank customer service, who acknowledged and error and said they would escalate it. A week later called again they said it hadn't been reviewed. I called the XXXX md XXXX, and the manager, XXXX, told me there was an error he would escalate it. Now I call the branch, and no one answers. I need this resolved. I was also charged XXXX dollars for a check for the withdrawal because the bank didn't have enough cash to fill the withdrawal. That doesn't seem to be my problem that I should have had to pay for a check.
Consumer complaint received 2024-08-23
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)

XXXX  have been reporting late payment to the credit bureaus. In accordance with fair credit reporting act, this creditor has violated my right under 15USC 1681 section 602 states I have the right to privacy ( 15 USCS 1681 section 604 a section 2. It also states a consumer agency can not furnish an account without my writing instructions under 15 USCS 1666b a creditors is not to treat a payment on a credit card account under an open end consumer credit plan or any late for any purpose. 

XXXX XXXX
Consumer complaint received 2024-08-23
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)

XXXX XXXX have been reporting late payment to the credit bureaus. In accordance with fair credit reporting act, this creditor has violated my right under 15USC 1681 section 602 states I have the right to privacy ( 15 USCS 1681 section 604 a section 2. It also states a consumer agency can not furnish an account without my writing instructions under 15 USCS 1666b a creditors is not to treat a payment on a credit card account under an open end consumer credit plan or any late for any purpose.
Consumer complaint received 2021-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

I have previously disputed this item with you. Bankruptcy chapter XXXX, reference # XXXX. And in response you verified the item as accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or to any credit bureau for that matter. Therefore your original response verifying the item with the court was either a error or a lie. Either way, the reporting requirements do not comply with FCRA section 611 ( 15 U.S.C section 16811 ) and the information must be deleted immediately.
Consumer complaint received 2021-07-01
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: EQUIFAX, INC. (CA)

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2022-02-18
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: Possible Financial Inc (FL)

I at one point had a loan with possible finance. So kind of way the loan defaulted. Nevertheless, I reached out to possible finance and requested a pay for delete. I am showing that this account was removed from XXXX and XXXX. However, its still showing on my XXXX report. Im trying to purchase a home and Im begging your company to please remove this account from my XXXX ifs drastically affecting my score please and thanks
Consumer complaint received 2024-08-23
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)

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 XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 2023-05-15
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. (DE)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-02-23
Product: Mortgage — VA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Onity Group Inc. (CA)

I was offered, applied, and was accepted for the Covid-19 Forbearance program for my home mortgage with PHH Mortgage out of XXXX. XXXX, NJ. It was made clear to me that during the period of the forbearance process there would be no negative reporting to the credit bureau as long as there have been no delinquent payments. My mortgage payments have been paid on time with none delinquent. I have been on forbearance for less than the offered time. I've elected to catch up my payments via load modification, which was offered as one of the options.

I was instructed to make three payments at a specific amount and to do so by calling a specific number to make sure the payment went to the right account with the right amount. I executed all payments on time.

The loan modification was approved and I was informed that it was in the process of delivery. It did arrive, but I couldn't tend to it for about 5 days. The day before I began to review it, I received an email from XXXX informing me that I needed to review a change in my credit notification. It turned out to be 4 negative reports from PHH Mortgage Services stating delinquency of my mortgage. This is exactly what PHH Mortgage services cite they will not do. 

This pandemic has hit all of us hard and this kind of action from this mortgage company has caused me even more major aggravation, stress and frustration. This is fraudulent behavior. Proof of their agreement is on their website at https : XXXX and I have proof of the notifications of the report to the credit bureau as needed.
Consumer complaint received 2021-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (FL)

In XX/XX/XXXX, I was contacted by CitiCard about a past due on my account when I did not use my credit card for any kind of transactions for over 6 months. I contacted them, filed a dispute, and was never contacted again other than to consistently call me and text me to say they tacked on more fees instead of resolving my dispute. Today is XX/XX/XXXX, I have been on the phone 5 times in the last hour and a half, have spoken to over 10 different people at this point, just to have them hang up on me and not resolve my issue. I filed a dispute for a minuscule amount of around {$15.00} and they can't seem to help me. They have only constantly transferred me to different customer service representatives or hung up on me. They refuse to contact me back to talk about my dispute and so it is an endless cycle of calling and being hung up on for the last two months.
Consumer complaint received 2020-07-10
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo is still syaing I owe this money. I dont know how I or my XXXX year old son could make these transactins in CA and XXXX. How could I make a XXXX transaction when I dont have an account with them. How can I be in XXXX XXXX Fl.were we live and make transactions in California and XXXX at the same time. I have never been to CA or XXXX and this was all done during the covid-19 shut down. This is unexceptable. You can plainly se the transactions before this all started to happen were all {$10.00} {$20.00} transactions. I called as soon as someone made a {$2200.00} deposit that was not mine. I will see them in court and no judge will side with Wells Fargo after seeing the history of this account.
Consumer complaint received 2021-02-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (FL)

I owe this company no debt. Failure to verify. Under the fair credit act, Its a violation of the collection practices act for a debt collector to refuse to send a validation notice or fail to respond to your verification letter - I sent letter on XX/XX/21 date VIA USPS certified mail. You can track this package using THIS tracking number. 

XXXX
Consumer complaint received 2022-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Hi, my name is XXXX XXXX and Im sure youve been getting a lot of complaints from Bank of America customers regarding their AAA advantage card. I went to use my card yesterday and unbeknownst to me, it was declined. I figured there was an error in reading the chip at the grocery store so I just used another card and didnt think much of it. Then when I went to pay my bill today ( because it is the due date ), I noticed there was nothing to pay as there was no account information on the Bank of America app. When I called the customer service number I was informed XXXX XXXX bought out this card. I received no letter in the mail, no email, and didnt read anything about this on the Internet. I have yet to receive a card and the guy on the phone today ( who was not helpful at all by the way ) told me I should get it by the end of the month. He had nothing to say when I asked him several times why I was not notified regarding this change and customers should not have to swipe their cards to just be declined without knowing the reason why. I now have no access to my old statements, can not use my current AAA credit card until I have a new one, I have no access to pay bills online since I dont have a card to connect it to, and I would like information on how to transfer my balance to another lender who I have been with for years. I find this extremely unprofessional that Bank of America did not notify their customers, or XXXX for. that matter. Ive been a card holder with BOA since 2008 and its frustrating to say the least that we were not notified. The customer service representative seemed to have no information and I only got one Im sorry for the inconvenience out of him at the end of our conversation when he tried to make excuse after excuse not answering the questions that I asked him. Terrible! One very unhappy customer!