davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My account with EXPERIAN was never late! I have had exceptional payment history with XX/XX/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 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

15 U.S. Code 1681c-7, a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information thus from an alleged identity theft, not later than 4 business days after the date reception. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items IMMEDIATELY!! These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681b- Permissible purposes of consumer reports in general to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the WRITTEN INSTRUCTIONS consumer to whom it reaches. I NEVER GAVE any consumer reporting agencies to report anything on my consumer report which violates my rights as a consumer. NO CONSENT IS IDENTITY THEFT. As a consumer who is demanding the deletions of the accounts listed IMMEDIATELY!!!
Consumer complaint received 2024-10-07
Product: Credit reporting 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. (CA)

Years of my account history are missing. Missing correct mailing or home addresses. No payment histories for utilities and other accounts listed. 

When I call the numbers provided there is no way to access customer support, it's just a looping AI bot that then hangs up. 

When I go online to use the website to request support, I am redirected to the phone and the AI bot on the phone keeps me in a loop. 

This has contributed significantly to lack of access to housing and other necessities, such as ease of turning on utilities, for many months. I can't get credit cards or loans that I should qualify for to build more or maintain credit. I can't access boost to get accounts shown -- it just loops with no response and no help. I pay my child 's school tuition in full, several utilities in full, asset/s not listed ... this is unacceptable. If I don't get proper help right away, I would like to join a class action lawsuit against experian. They should not have this level of control over people 's well being and be so inaccessible to correct information!
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-10-07
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. (WV)

Back in XXXX of XXXX, I noticed this company pulled a hard inquiry on my credit. 
I do NOT know this company, not did I authorize this action. 
For the past 5 months I have been trying to have them either remove the hard inquiry OR to show me proof that I authorized this action. This company has failed to act on either request. 
I am aware of my rights under the Fair Credit Reporting Act, and they are violating these rights. This is my last attempt to resolve this before I take official action.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: GOLDMAN SACHS BANK USA (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XX/XX/year> APPLE CARD/GS BANK USA XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Re : Dispute of Charge-off Due to Non-receipt of IRS Form 1099-C Account Number : XXXX To Whom It May Concern, I am writing to formally dispute a charge-off that has been reported on my credit report for the above-referenced account. Upon reviewing the details of this charge- off, I have found that I did not receive a 1099-C form, which should have been provided to me in compliance with IRS regulations when a debt is canceled or written off. According to the IRS guidelines, a creditor is required to issue a 1099-C when they cancel or forgive a debt of {$600.00} or more. Since I have not received this form, I believe this reporting is inaccurate. 
In light of this oversight, I kindly request that you : 1. Provide evidence that a 1099-C was issued for the debt in question.

2. Correct the reporting of this account on my credit report if the form was not issued, as this reporting may be incomplete or misleading without proper documentation. 
I would appreciate it if this matter could be resolved promptly. Please send me any supporting documentation related to the charge-off, or confirm that this charge-off has been removed from my credit report. Additionally, I expect this dispute to be investigated and resolved in accordance with the Fair Credit Reporting Act ( FCRA ). 
I appreciate your attention to this matter and look forward to your prompt response. Please contact me at the above address or phone number if you need any further information. 
Thank you for your time and cooperation. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY (GA)

When we were banking with Wells Fargo several yrs ago they reported to social security for my SSI that I was making and depositing {$8000.00} or more a month for the time frame of over a year. Also they reported accounts that myself and my wife knew nothing about that had been opened by a branch employee without our consent. Because the way that SSI is set up I lost my benefits and at the time when the bank caused error was caught all they had to do was report the account reporting error which they did not do. At the time the bank was under investigation and in the news for the same thing to other bank customers we made an agreement with the banks mediation department and agreed it would be dropped as long as they did what they said they would do. I have been threatened with arrest and they have put a huge overpayment on my SSI account that I can not pay and the bank has just let time slip away to the point that I have lost my benefits due to over the income limit of SSI and now we feel the bank should have to pay us some form of restitution considering because my ssi payhas stopped or been greatly reduced I can not pay my bills and my credit is being destroyed and I have desperatly been trying to get a personal loan to pay up my bills in the meantime but wells fargos action has just dominoed in effect we have written them and all we get is its being looked into and we never hear back from them. The Money Wells Fargo reported as mine was not mine nor did i make it as income like Social security This matter is so serious that we have the State Senetors office trying to help us with Social Security and they are aware what the bank did. The bank should be punished not us.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Kohl 's reported inaccurate information to the credit bureaus. Below are the reasons that Kohl 's is responsible for false reporting : 1. I requested that billing be switched to mail in spring 2024, this was not done. 
2. Kohl 's did not notify me that a balance was due from a XXXX statement ( due {$1.00} ). I was not notified by email, statement via mail, or phone call. 
3. Kohl 's practice has been if a payment is late past a statement due date, a robo call is made. These calls protect their customers from being over 30 days late. I did not receive any notification that I was late on the XX/XX/year> balance due of {$1.00}. 
4. The XXXX bill was late in payment ; a robo call was made ; account paid in full and Kohl 's reimbursed the late fee. The late XXXX payment was under 30 days late - just a few days. QUESTION : Why wasn't I notified about the {$1.00} due in XXXX? No call, no bill sent, no email - no notification. 

I called Kohl 's on three occasions XXXX with different responses each time. One representative reported to me that the problem would be fixed. After these calls, I wrote, and sent, a letter on XX/XX/year> to Kohl 's ( XXXX XXXX XXXXXXXX, XXXX, WI ) with no response. 

On the phone calls, I was not provided a phone number or address to write to try and resolve this issue. 

Because Kohl 's did not notify me that a balance of {$1.00} was due, they inaccurately reported a late payment to the credit bureaus.
Consumer complaint received 2024-10-22
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. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-10-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity theft and the following accounts are not my responsibility XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im looking to purchase a home.
Consumer complaint received 2018-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

On XX/XX/2018, I went online to open an account with XXXX XXXX XXXX XXXX. For some reason the online application did not allow me to finalize the account and kept showing me an error message. So I cancelled the setup and did not try again. On XXXX I received an alert that XXXX XXXX XXXX XXXX ran an inquiry on my credit report without my authorization. I called XXXX XXXX on XX/XX/2018 and spoke to the customer service department and explained to them that I was not able to complete the account, therefore I have no account or agreement with them. Furthermore, I was applying for a bank account not for credit and no where in the signup process it said that they would run my credit. I have not signed any documents authorizing them to view my credit history therefore, their inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If they are in possession of any document that they believe authorizes XXXX XXXX XXXX XXXX or your their organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure they'll agree that verifying the information is in their best interest. 

Respectfully XXXX XXXX, XXXX
Consumer complaint received 2022-09-12
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (CA)

Unfortunately and unexpectedly, CFPB covered up unfair practices by Marcus Goldman Sachs one sided and unfairly closed my complaint against Marcus Goldman Sachs at their request without waiting for my rebuttal against their untrue response. I am requesting a help of getting the monthly financial statements that can show that Marcus 's authorities lied and Marcus account was linked to XXXX account. I am requesting a reasonable accommodation to help me to obtain the monthly financial statements because Marcus keep my account restricted or closed.
Consumer complaint received 2022-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (OH)

Citi has closed my double cash card account in retaliation for me withdrawing my deposits and closing my checking and savings accounts. They have closed my account without notifying me and without just cause. They have revoked my access to make payments online, and refuse to send me statements. When I call the number on the back of the card to make my payments, their automated system malfunctions and does not allow me to make my payments. 

Since I am not receiving my statements, can not pay online, and can not pay over the phone... I have no way to keep this account in good standing. 

This is purpousful action taken by citi to try to destroy my perfect credit in retaliation for me cussing them out and insulting their intelligence. 

Thay have repeatedly claimed that they will no longer respond to these complaints that I'm lodging, yet continue to respond telling me that the problem is mine to fix, seemingly for the purpose of taunting me. 

Citi has been unreasonably lazy in their " efforts '' to resolve this situation and are refusing my payments. This complaint is intended to put on record that I have repeatedly attempted to pay my bill, which was due yesterday, and that Citi is refusing my payments.
Consumer complaint received 2021-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (TX)

A few days ago some bills did not go through so I logged into my account to see what was wrong and was greeted by a number to call. The people on the phone claimed it was a periodic review being done for many accounts due to all of the fraud taking place recently. He explained that a form would be sent to my email on file that needed to be filled in order to fix my account which will take approximately 5-7 days after the form is filled. 

I filled the from reluctantly, and seen that it was asking for all my IRS records from XXXX  of all people ( whom was recently breached giving out over 145 million people 's full life information mind you ) in which I took care of it knowing I could legally request the information deleted after verification. My information was verified through the system and early this morning I logged into my account to pay off the balance as usual but seen no available balance, only what was due. I contacted a representative and they informed me that my account had been closed. 

Keep in mind I've had this account since XX/XX/2014 and have NEVER been late, always paid off the balance monthly, etc. You can not find one single issue with my account, but they said they could not verify my information? XXXX? But yet they've been accepting payments from me for 7 years. 

Outside of this they offered me to reapply, so basically they are destroying my credit profile for having a 7 year old account which is about to drop my credit score drastically due to the age average since I never really used many credit cards other than this one, all for no reason.
Consumer complaint received 2021-01-30
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. (GA)

I'm reaching out again to you all about several accounts and things on my credit that is not mine. I'm still not able to do anything because of those accounts. Since I didnt get much help from the companies I went and spoke with my brother who is an attorney. I do not have any relationships with these companies and was advised to contact FTC. Please remove these fraud accounts from my credit immediately. The accounts are XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. There are also several Bankruptcies on my credit so I called the XXXX  Dist of Bankruptcy Court and they stated they do not have any data on my social security number regarding any Bankruptcy Petitions or Filings. The lady at the clerk office told me to call some company called XXXX XXXX to double check and they said the same thing. No records. The bankruptcies are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I really want to know how in the world did all these bankrupcies end up on my credit. They are showing on XXXX  and XXXX  but not equifax so how is this even possible. How is this even possible? I need answers? Its already and pandemic going on and this is not helping me mentally, physically and emotionally. I am doing this on my own behalf for now but if need I will get my brother who is a lawyer in XXXX. He advised me to reach out to you all first. There are also some addresses on my report that is not mine XXXX XXXX XXXX XXXX  XXXX, XXXX  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 2018-10-23
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: EQUIFAX, INC. (UT)

Dear Sir or Madam, I have been a victim of Several Data Breaches resulting in Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. I also have several addresses that do not associate me that are showing up on my credit report. Please remove them as well.
Consumer complaint received 2018-10-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

Dear Sir or Madam, I have been a victim of Several Data Breaches resulting in Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. I also have several addresses that do not associate me that are showing up on my credit report. Please remove them as well.