davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-17
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: Army and Air Force Exchange Service (WI)

I write to you with grave concern about the unauthorized reporting of a minor delinquency on my Military Star Card account to my credit profile. This situation has not only unfairly impacted my credit history but has also violated the rights that exist to protect XXXX servicemembers like myself. 

Issue at Hand Name on the Account : XXXX XXXX Regulations Violated : Honoring Duty and Protecting Rights This situation represents a blatant violation of the Servicemembers Civil Relief Act ( SCRA ) and the Fair Credit Reporting Act ( FCRA ), legislations designed to honor the commitments of XXXX servicemembers and safeguard their financial well-being. These statutes are in place to ensure that those who selflessly serve our nation are not subject to unjust financial repercussions, especially those arising from circumstances beyond their control. 

Specifically, this unauthorized reporting potentially contravenes SCRA Section 3952, which mandates protection against default judgments and stays of proceedings for servicemembers unable to appear in court due to military service obligations. Furthermore, the unauthorized reporting of this delinquency without my consent raises concerns about the accuracy and integrity of my credit profile, potentially infringing upon FCRA Section 605 ( a ), which requires the accuracy and completeness of consumer report information.
Consumer complaint received 2023-08-17
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: EQUIFAX, INC. (TX)

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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. (TX)

My account with XXXX XXXX XXXX XXXX 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 XXXX XXXX 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 2019-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

I've been having problems with this company for nearly a year. Issues I am having. 

They keep adjusting balance on a closed account ( see attachments ) -- spoke with them about this, they said that the account is still accruing interest. From my understanding, the account is closed and interest should not still accumulating on a closed account. 

Listed on my credit report incorrect -- I voluntarily surrendered this vehicle, they have it listed as involuntary surrender/repossession. I know these two account statuses will impact my credit about the same but according to the fair credit reporting act, any and all information that they distribute must be an accurate summary of my credit history. In addition to that, there is a discrepancy on the balances and dates. One credit report is saying I owe one amount and the other is saying I owe another amount. One is saying my last payment was on XX/XX/XXXX and another is saying the last payment was on XX/XX/XXXX. One is showing the payment status is 30 days late 3x, and another showing 30 days late 2x. 

Requested the repossession paper work and they have been giving my the run around. 
-- In these situation, they typically sell the vehicle at auction and subtract the proceeds from the balance and the consumer owes the difference. They told me that they filed a claim with their insurance company and they bought the car for about {$20000.00} ; however ; they will not send me the paper work. They told me that no one was home when the paper work was delivered. If they sent it certified mail, I should have had some sort of notice instructing me to pick it up from post office. If it was not sent certified, it could have been left in the mailbox. 

I've spoken with different staff member and I get different answers -- Each staff members response/explanation contradicts the previous one. 

I seriously believe that my consumer rights have been violated. Please help.
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Consumer complaint received 2023-08-17
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: EQUIFAX, INC. (MO)

I am requesting for the removal of this inquiry from my credit report, which was inaccurately reflecting my credit history due to identity theft. I never visited or inquired about this Bank/ Company , Pursuant Section 605B. Please remove this inquiry. I have thoroughly reviewed my credit report from your agency and have identified instances of fraudulent reporting that I believe require immediate attention and rectification. I have outlined the details of the inquiry along with an explanation of the situation : I did not open or authorize the inquiry listed above. I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. I kindly request the removal of the fraudulent inquiry, as it is negatively affecting my credit history and financial well-being. I am aware of the legal requirement for Equifax credit bureau to investigate and respond to disputes within 30 days. Given the seriousness of this matter, I am seeking your prompt attention and resolution. Please provide me with a written confirmation of the removal once the investigation is complete. Furthermore, I request an updated copy of my credit report reflecting the accurate and corrected information, once this fraudulent inquiry has been removed : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2019-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This is my third letter to your company. I would like to address this issue of this inaccurate fraudulent account on my credit report. I followed your advice about contacting the collector. I sent them a letter and asked them to investigate. As of today they still have not responded to me. I thought they had 30 days to investigate and fix the inaccurate account listed. 
I dont know who to believe here. I know that the law protects my rights. Since the collector did not conduct their investigation, this account can no longer stay on my credit report. Please delete it right away. Im running out of patience and Im thinking about seeking legal advice on this matter and filing complaints if its not fixed. Not only that Iam a victim of identity theft and this account is a result of identity theft so that is the reason they are unable to provide proof!! This account is fraudulent and should be removed immediately. 
XXXX  XXXX/XXXX -- -XXXX # XXXX IN THE AMOUNT OF XXXX SHOULD BE REMOVED IMMEDIATELY..
Consumer complaint received 2023-08-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Fig Tech Inc. (OH)

Please find attached a file showing the timeline of events! 

In short, this company alternated between two different emails, thus causing the newer email going to my spam folder missing critical information. They wouldnt allow me to make payment on the given due dates, they modified due dates, then after stating they need my authorization for them to pull a payment, they took it upon themselves to pull the money with out my authorization.
Consumer complaint received 2024-08-07
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. (LA)

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 : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX 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 2023-08-17
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: Experian Information Solutions Inc. (OH)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-08-15
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

I tried to pay off my credit cards and I was not made aware the mailing address had changed. I resent the payment after it was returned to sender and it arrived on XX/XX/XXXX but they didn't apply the payment until XX/XX/XXXX. My due date was XX/XX/XXXX. When I called they reversed one late fee but not any of the interest or fees that were charged due to the payment being applied late. The company should owe me money because I overpaid. Then they had the nerve to tell me that I need to make my payments on time. I did make my payment on time. I have another card for a different store with the same company and I am having the same problem. I have proof of delivery of payments and I just want my cards balance to be paid off and be paid back the excess funds I sent.
Consumer complaint received 2023-08-17
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: EQUIFAX, INC. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-08-17
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: EQUIFAX, INC. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (VA)

My husband and I went into XXXX store on three occasions each time we were told the bill was wrong we were paid and getting a refund to ignore the bill. Now its in collections with a company who sent no notice until we filed a complaint. We have recordings of the conversations in the store and will be submitting anywhere and everywhere and potentially getting attorney. XXXX needs to do better train them better and not use companies with loose morals like southwest
Consumer complaint received 2023-07-05
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc. (TX)

I purchased furniture by conn 's home plus. Every since the day of purchase they have been saying they are going to fix. Still has not been fixed. They applied for me some kinda of loan through the bank. The bank just reported to my credit 30 days past due even though the merchandise from the company is not usable. How is that legal to sell broken items and be charged for it???
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. (NY)

My account with the company and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE 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.

This company 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 2024-08-07
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. (NY)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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. (TN)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.