davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-27
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A. (TX)

I have had Citi bank and have had no problems with them up until now on XX/XX/23 I made a deposit of {$4300.00} into my savings account via mobile check deposit. This check was from a XXXX which I have made multiple deposits from that same XXXX and the bank its associated with multiple times. Citi bank cleared my check on XX/XX/23 I went to the ATM pulled out {$290.00} ( plus a {$3.00} withdraw fee ) and then transferred {$300.00} into my other account through a different bank. A few ours later I went online to move money to my checking account which was - {$69.00} ( due to me losing my job and these funds were the only funds I have/had to make ends meet ) now to my surprise it would not let me log in online. I called and the customer support stated they had to transfer me to fraud, now the lady who answered the first phone call was very rude and told me I made a fake check and deposited it and they froze my account and going to close it since I attempted frauds and theyll send my funds to me in a check for in XXXX days! I told her what how was that a fake check its from XXXX XXXX from my XXXX, I told her I wanted to speak to a XXXX and then when I was transferred I was hung up on. I called back talked to another lady she called XXXX XXXX verified the check was legitimate and emailed the back office in an urgent email that the check was real and to in freeze my account. The next morning when I called I spoke to a lady and she said they are closing my account there is nothing I can do about it but wait for my funds and that they did this because my checking account was negative, I told her I had over {$4000.00} in my savings they could have asked me to move the money over to my checking account if it was going to cause all of these problems I told her I wanted to speak to someone higher she got me with a supervisor and he told me they will not release my funds and Ill have to wait when ever they can get to it to send my funds to me I told him Ive been told different answers on why they did this he said youll receive a letter I cant tell you why then I told him I wanted to speak to someone higher up and he began to say they are too busy and cant talk they will call back, I have not received any call backs from anyone and at this point they had no reason to freeze my account all I want is to have my money and they can have the {$69.00} to make the checking account {$0.00}.
Consumer complaint received 2023-01-17
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. (CT)

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-01-17
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. (NC)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 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 2023-01-17
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. (GA)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer.

XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-02
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. (FL)

I lodged a complaint with these Bureaus XXXX XXXX XXXX, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX XXXX since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2023-01-27
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. (CA)

I am having problem after problem with disputing something off of my credit with XXXX, XXXX XXXX and Equifax. Everything seems to be in accurate for a couple accounts. 

XXXX XXXX XXXX account # XXXX And I wish to have this account removed ASAP
Consumer complaint received 2023-01-17
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. (KS)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-17
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. (TX)

XXXX XXXX XXXX XXXX KNOWINGLY AND PURPOSEFULLY ENGAGED IN THE UNLAWFUL USE OF MY CREDIT CARD ( SSN ) PURSUANT TO 15 USC 1602. WHICH IS ALSO AGGRAVATED IDENTITY THEFT. BEFORE, DURING, OR AFTER THIS TRANSACTION THE PERTINENT FACTS OF THIS TRANSACTION WERE NOT SET FORTH IN A CLEAR, CONSPICUOUS, OR REASONABLE MANNER. THAT MEANS I NEVER RECEIVED ADEQUATE NOTICE MAKING IT IMPOSSIBLE FOR ME TO UNDERSTAND ANY AGREEMENT ( S ) MAKING THEM NULL/VOID. I WASN'T AWARE THAT FIRST XXXXXXXX XXXX XXXX WOULD BEREPORTING ANY DETAILS OF OUR RELATIONSHIP TO ANY 3RD PARTIES ( CREDIT BUREAUS ) WHICH IS A DIRECT VIOLATION OF MY FEDERAL RIGHTS. IVE BEEN DENIED EXTENSIONS OF MY OWN CREDIT IN EXCESS OF WELL OVER {$100000.00} ( XXXX XXXX XXXX XXXX  ), IVE EXPERIENCED UNNECESSARY PAIN AND HARDSHIPS AS A RESULT OF XXXX XXXX INTENTIONAL NEGLIGENCE AND DEFAMATION OF MY CHARACTER.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Greetings, on XX/XX/XXXX I sent a certified letter to XXXX requesting validation of the account listed below. The account does not belong to me and it is causing great strain on my credit report. I have attempted on several occasions to get this removed. Below is the latest certified letter I sent. Please assist me in getting this removed permanently. I do not want a " verification '', I need the account VALIDATED with the original contract sent to me. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Validation of Account XXXX  XXXX XXXX, Account Number XXXX / XXXX Dear Sir/Madam, I am formally requesting validation and verification of the following account, as reported on my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., I am disputing the accuracy and completeness of the information regarding this account : Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX ( XXXX ) Balance : {$21000.00} Credit Limit : {$20000.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX ( XXXX ) Legal Basis for Dispute : According to the FCRA : 15 U.S.C. 1681i : Credit reporting agencies must conduct a reasonable investigation to verify disputed information. If the information can not be verified, it must be removed from the report. 
15 U.S.C. 1681e ( b ) : Credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information reported. 
Requested Information : 1. Complete validation of the debt, including the original creditor 's details and a breakdown of how the balance was calculated.

2. Copies of any documentation that supports the validity of this account.

3. The procedures used to verify the disputed account and determine its accuracy. 
If you are unable to validate the requested information, I respectfully request that this account be corrected or deleted from my credit report. 
As per the FCRA, you are required to complete this investigation within 30 days. Please confirm in writing the results of your investigation and any changes made to my credit file. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My account with Experian was never late! I have had exceptional payment history with capital XXXX and all payments were placed on 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 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 a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Experian Never Sent the periodic statement along with the disclosures from section 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
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with Experianwas never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. 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 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 a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Experian Never Sent the periodic statement along with the disclosures from section 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
Consumer complaint received 2023-01-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (IN)

Midland Credit continues to harass me with false accusations of a debt, I have now received a Pre-Legal Legal letter from this company, and they have not validated any debt. I have asked on numerous occasions to provide proof of debt a signed contract with my signature consenting to any debt, I am aware of my rights as a consumer under the Fair Debt Collection Practices Act, specifically 805 ( c ), This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). I respectfully requested that their offices provide me with competent evidence that I have any legal obligation to pay them.

Furthermore, I requested them to cease and desist all telephone communication through my residential or employment numbers. XX/XX/2023, Midland Credit violated my rights and called my phone after I requested them to STOP all communication, any further telephone communication shall be considered harassment in violation of 15 U.S. Code 1692d and shall be subject to State and Federal penalties. 

I have reported this company to The Indiana Attorney General Office and Better Business Bureau. I also have forwarded a copy of their said letter to an Indiana Attorney. 

I appreciate your efforts in this matter and look forward to your response. 
IF THERE IS ANY VIOLATION OF THIS CEASE AND DESIST A COMPLAINT SHALL BE MADE TO THE FEDERAL TRADE COMMISSION.
Consumer complaint received 2023-01-17
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. (KS)

I submitted this complaint to update this suspicious information. Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX Balance : {$29000.00} ; XXXX XXXXXXXX Balance : {$15000.00} ; XXXX XXXXXXXX Balance : {$2800.00} ; XXXX XXXX Balance : {$12000.00} ; XXXX XXXX Balance : {$17000.00} ; XXXX  XXXX Balance : {$17000.00} ; XXXX XXXX Balance : {$11000.00}.
Consumer complaint received 2023-01-16
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: Experian Information Solutions Inc. (IL)

On XX/XX/2022 i Certified mailed Experian Tracking Number XXXX a letter asking their company to investigate and delete the inaccurate accounts that is reporting on my Consumer Report. By Federal Law According to the FAIR CREDIT REPORTING ACT 15 USC 1681i ( 1 ) ( A ) the consumer reporting agency ( Experian ) before the end of the 30 -day period beginning on the date on which the agency receives the notice of the dispute from the consumer after 30 days if the consumer reporting agency can not verify or validate this inaccurate Information the consumer reporting agency must promptly delete the items from the file of the consumer.

Also According to the FAIR CREDIT REPORTING ACT 15 USC 1681b ( 2 ) a consumer reporting agency may not furnish any information on a consumer report with out the written instruction of the consumer ( me ) to whom it relates.

IM DEMAING THE FOLLOWING ACCOUNTS BE DELETED IMMEDIATELIY FOR FAILURE TO COMPLY WITH THE FEDERAL LAW 1 ACCOUT NAME : XXXX XXXX / ACCOUNT NUMER : XXXX 2 ACCOUT NAME : XXXX / ACCOUNT NUMER : XXXX 3 ACCOUT NAME : XXXX XXXX / ACCOUNT NUMER : XXXX I have uploaded all of the proper documentation to support my claim.
Consumer complaint received 2024-10-02
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Tally Technologies (TN)

The credit management app Tally closed business and passed my debt to a credit collection company thats charging outrageous fees and increased my interest rates all while not providing the services originally advertised. 

They also took my final payment of {$340.00} ( made on XX/XX/XXXX ) and neglected to pay my credit card bill, effectively stealing from me.
Consumer complaint received 2023-01-27
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. (NJ)

I discovered that some of the items on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified items without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX