davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

My account with XXXX was 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 in those account 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. 

XXXX 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 2016-12-17
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: TD BANK US HOLDING COMPANY (CT)

I have been a victim of XXXX fraudulent charges in a row on my TD bank which happened XXXX XXXX, 2016. I noticed those transaction on XXXX XXXX, on my ATM mini statement and right away reported the matter to my local TD bank branch in XXXX, CT. They have told me they 'll investigate the matter and that they 've promised my funds will be back to my account in about 10 days. This incident has drained my funds and I was slapped with a {$70.00} overdraft fee which I vehemently protested because I 'm not liable for this. I kept calling TD bank hoping to give them pressure to settle this problem, I have so much bills that was hanging in the balance. Greatly this has put me in a bad side thus putting all my bills on hold. Ten days had passed and nothing has happened and all they tell me is false promises. I need my account and my money back. Wish this bank call the attention of it 's customers for such unusual transaction ( happened at an interval of XXXX minutes in one day for XXXX fraudulent transaction ) I just do n't want TD bank give me false promises, it seems to me they 're not doing enough to help their customers.
Consumer complaint received 2018-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

Equifax fails to update credit account information upon creditor submitting it I currently have s auto loan showing on Equifax report with a $ XXXX balance but it should be only {$370.00} balance account in question is XXXX XXXX XXXX XXXX account number XXXX Also thereby s a bankruptcy filling showing that was previously deleted in 2016 the bankruptcy has reappeared along with several account attached to the bankruptcy filing I wasnt given an notice it would be added back and the bankruptcy count has confirmed they DID NOT report this information to Equifax
Consumer complaint received 2016-12-17
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I began receiving phone calls from portfolio recoveries concerning a XXXX credit card in the amount of {$1200.00} approximately the statement or Bill that was provided to me from this company for XXXX XXXX was for an individual with the name of XXXX middle initial XXXX and last name XXXX with an address in XXXX or XXXX XXXX I am a XXXX resident and have always been a XXXX resident as a child I lived in XXXX but as an adult I 've always lived in XXXX and employed in XXXX I 've never ever visited XXXX and I do not know anyone in XXXX and they are trying to collect a debt from me but someone else 's name and address my middle initial is XXXX.. I currently have XXXX credit accts with XXXX which are in good standing at this time I have no previous accounts that were unpaid with XXXX again my name is XXXX middle initial XXXX last name XXXX and my home address is XXXX XXXX XXXX XXXX and I 've been a resident here for approximately 20 years
Consumer complaint received 2016-12-18
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was a capital one credit card holder for well over 4 years with an immaculate payment history with the company. There were numerous disputes that needed to be taken care of and I was able to provide proof of the dispute for 100 % of all disputes. I have been working on getting my money back and getting my account reopened for 2 years with this company. I was promised, by Capital One, that my XXXX accounts would be reopened after the disputes were completed. Not only did Capital One not honor their guarantee, Capital One fraudulently stole money from my secured card after they closed it. 

Capital One has literally led me on for over 2 years about reopening my account and I have proof. Between letters from their executive office making guarantees to me, then the individual in charge of my case abruptly leaving the Capital One and then my continued calls to the company and not getting back to me over the course of 10 months. I continued to reach out to Capital One and reached out directly to the executive office in the XX/XX/2016, yet again and continued to correspond throughout this year. After sending a massive package of documentation via fax and physical mail to go over and honor the dispute that I was explained would be taken care of, the representative in charge, never followed through. I called twice per week, every week this year alone, not counting the previous times. As I continued to send the documentation in, specifically for charges that were paid by other means, the representative continued to send me emails that he was working on the issue. 

The issue continued throughout the year until I received an email that the XXXX credit cards that were unsecured, would be open and that I would have a choice of keeping my secured account reopened or close it and I would be refunded the secured amount THAT I INVESTED IN, over {$1200.00} dollars. I chose to keep the accounts open and I have n't heard back from Capital One since the XX/XX/2016. 

XXXX accounts. 
XXXX unsecured - XXXX secured - Capital One needs to reopen all XXXX accounts A few of the account numbers ending : XXXXThere are an additional XXXX account numbers missing that Capital One can fill in
Consumer complaint received 2024-08-08
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. (CA)

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 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2016-12-17
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

As I understand it, everyone is entitled to receive a free credit report once a year from each of the XXXX primary credit reporting agencies, XXXX, XXXX, and TransUnion. From the website XXXX, I was informed to go to www.annualcreditreport.com as the only authorized site to get the free report, which I did. In following the steps on that website, I got free reports from both XXXX and XXXX with no problems or hassles. However, when I went to the TransUnion link, TransUnion offered a free credit score and a credit report for {$1.00} provided I agreed to subscribe to their monthly credit monitoring service, on a 1 week free trial. If I wanted to cancel the subscription, I had one week to do so by contacting them and notifying them of my desire to cancel. That was the only option offered. Since I needed a report from each agency, I reluctantly agreed to the subscription with the intention of canceling as soon as I received the report. I neither needed nor wanted the credit monitoring subscription. After I agreed to their terms, I received the desired report ( which was very meager in comparison to the reports provided by the other XXXX agencies, I might add ). Once I received the report I had to spend about a half hour on-line trying to find a phone number through which I could cancel the subscription. I finally found one and cancelled the subscription. About a week later, I had to do the same thing for my spouse. Again, I had to agree to a subscription to TransUnion 's credit monitoring service to get the report. I did get the report, only this time I forgot to go back and cancel the subscription. About a week later, our bank account was charged {$19.00} for the monitoring service, which overdrew our account. Since the account was now overdrawn, another charge, which otherwise would have cleared, overdrew the account further resulting in an additional overdraft fee. So now, I had the unwanted charge for the monitoring service plus XXXX overdraft charges totaling an overdraft of {$73.00}. I contacted TransUnion and they finally agreed to cancel the XXXX subscription and refund the {$19.00}. Our bank has agreed to reimburse the XXXX overdraft fees, once TransUnion redeposits the {$19.00}. Failing to immediately cancel the monitoring service was admittedly my error. My complaint is : Why does someone have to go through all of this unnecessary hassle in order to get what is supposed to be a free credit report from TransUnion?!! Neither of the other XXXX agencies put you through that ordeal, why does TransUnion. They should just provide the free report, as the other agencies do, without contingencies requiring service subscriptions. This seems to me, unethical, unnecessary, and perhaps illegal.
Consumer complaint received 2016-12-17
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Medical Data Systems, Inc. (GA)

The company has been refusing to properly validate a debt that has been on my credit report for a long time, and I have been damaged as a result. The company claims that I had an original account with some other party and they have been assigned the right to collect it. They need to provide proof of everything about that to me. They need to provide the original contract between them and the original creditor with a true signature and a signature of a qualified employee of that original creditor, they need to provide the full accounting, they need to provide proof of the assignment or the purchase they made from the original creditor. The right of subrogation does not exist for a stranger to the transaction. XXXX, XXXX. There is no right to substitute someone or some entity that was not on an original contract. It is not allowed. I have never done business with this company and I have no idea who this company is. Additionally, I know they have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize them to have access to the information. I intend to pursue filing a legal complaint unless they immediately delete this item from my report and stop all attempts to collect. Of course, I want that in writing too
Consumer complaint received 2018-06-13
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 am submitting this complaint in regards to my XXXX XXXX account that is reporting on all 3 credit reports as acct that is potentially negative. I have disputed this several times. I received a phone call from XXXX XXXX  last Wednesday asking for a return phone call. I tried to return her call several times but was unsuccessful. Tonight I called again and just spoke to a different rep and asked him to see if there are any notes on my accounts. I have 2 XXXX XXXX cards. The gentleman explained the reason for the call was to advise me they have corrected the late payment showing from back in XX/XX/2015 and have notified all 3 credit reporting agencys to update my report and put this account showing as no late payments and to have it show under accounts that are satisfactory. The woman who had first contacted me was XXXX  XXXX  PIN number to get to speak to a rep is XXXX. I am submitting this complaint because I do not trust XXXX credit reporting company to comply and follow what XXXX XXXX is telling them to do. I have had major problems with XXXX  in fixing my credit report to show correctly.
Consumer complaint received 2016-12-17
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (PA)

My Citi XXXX credit card promises 1 % cash back on all purchases, plus an extra 1 % on payments. In my statement month ending XXXX/XXXX/16, I made {$3100.00} worth of purchases ( after deducting all merchant refunds ), and paid a total of {$3600.00}. This should come out to ( within {$0.00} of ) {$67.00} in cash back, but I was only given {$65.00}. After going back and forth with Citi customer service, they claim that there is a " purchase tracker '' that limits the cash back I earn on payments made. This is in direct conflict with the " unlimited '' cash back that Citi advertises with the credit card. Citi stated : " Your Purchase Tracker is calculated by taking the previous purchase tracker value, adding your new purchases ( minus merchant returns ) and subtracting your eligible payment ( s ) each billing period. '' I believe the problem arose from XXXX separate merchant refunds I received towards the end of this billing period. In an unrelated incident, there were fraudulent charges on my card which resulted in a new account number being issued. As a result, I was unable to use this credit card for roughly a week. Just after reporting the fraud, I paid off my entire balance excluding the fraudulent charges ( which were credited ). Based on Citi 's explanation of their " purchase tracker, '' this entire payment should have been eligible for cash back. Several days later, I received XXXX separate merchant refunds. Since I had been unable to use this account in the days leading up to this, it resulted in a negative balance. Once my statement was generated, Citi based my so-called " purchase tracker '' amount on the closing date of the statement. In other words, my payment was eligible for cash back at the time it was made, but not a week ( or so ) later, so I was not given the full amount of cash back. In our many online messages, Citi insisted that the correct amount was credited as cash back, but when I asked if the remaining {$2.00} would be added to my cash back on my XXXX statement, the response I got was regarding an EFT or physical check for the amount of the negative balance. I never asked about an EFT or check, as I already made enough new purchases on the card to account for the negative balance. My question was completely ignored. I want Citi to address my concerns and credit {$2.00} to my cash back balance.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I reviewed my consumer credit file and found a fraudulent hard inquiry from XXXX XXXX on XX/XX/year> on my consumer credit report. I did not apply for a capital credit card, nor did I give anyone authorization. I contacted XXXX XXXX XXXX XXXX and XXXX XXXX to resolve the issue with no success in resolving this fraudulent issue. I am requesting that the Consumer Financial Protection Bureau investigate this matter and have this hard inquiry removed from my credit file. I have placed a fraud alert on my credit file for protection. In addition, I have filed a fraud report with the Federal Trade Commission. This report is attached. Thank you for your assistance in this matter.
Consumer complaint received 2024-08-07
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (CA)

XXXX XXXX failed to provide services paid for ( Internet Access ) for several days and over the span of 3 months. Due to their inability to provide services, the account was closed and charges disputed. Received email communications claiming the company was reviewing the credits. Company stopped communicating and sent account to collections. Now CCS ( Credit Collections Services ) contacted me for debit. 

This should be illegal and how is a company who failed to provide services to me charging for those services.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (WA)

On XX/XX/24 someone stole my identity and used my name, phone, address and mother 's maiden name to open an XXXX XXXX in my name. They tried to change the location address, and charge more $ until the card company put a hold on it and continued to call my phone number multiple times in the last few months. Finally I answered and got the details of why they were calling me as I didn't have any history or accounts with XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX was informed of this yesterday XXXX and will be sending me paperwork on the incident but asked that I also file this on identity gov for additional support.
Consumer complaint received 2024-08-07
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. (FL)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

In XX/XX/year>, I obtained my credit report from Experian, XXXX, and XXXX and noticed that several old and incorrect addresses were listed. These addresses do not reflect my current residence and have not been associated with me for several years. 

On XX/XX/year>, I submitted a formal dispute to Experian, XXXX, and XXXX via their online dispute system/mail, requesting the removal of these outdated addresses. I included documentation to verify my current address, such as a copy of my driver 's license and a recent utility bill.

Despite my efforts, the credit bureau ( s ) failed to remove the incorrect addresses from my credit report. This has caused confusion and potential issues with my creditworthiness, as lenders may consider the outdated addresses during their assessment. 

I am seeking assistance from the CFPB to ensure that Experian, XXXX, and XXXX promptly and accurately update my credit report to reflect only my current address. The failure to correct these inaccuracies has been an ongoing issue, and I am looking for a resolution to prevent further inconvenience and potential negative impacts on my credit score.