davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-03
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)

I am filing this FTC Identity Theft Affidavit to report 3 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a account opened at XXXX XXXXXXXX XXXX {$8600.00} on XXXX the account number XXXX, an a collection opened at XXXX XXXX XXXX $ XXXX XXXX the account number XXXX, and another account opened at XXXX XXXX XXXX XXXX XXXX XXXX {$000.00} under the account XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against Credit Reporting Agencies.. 

Consumer Name : XXXX XXXX XXXX Social Security Number XXXX Consumer Date of Birth : XXXX CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to XXXX XXXX
Consumer complaint received 2017-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I 've done the dispute process for the fraud transactions that occurred on my card statement. However, the credits I got for those fraud transactions were reversed & my credit card was charged for all the fraudulent transactions. I was told that they have found some information regarding the transactions, however they were done oversea while my card was not in my possession. I would like some serious attention given to this case as well as a appeal to the dispute claim.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2024-10-03
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)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Upgrade, Inc. (KS)

On XX/XX/year> I made a payment using the Upgrade payment system which they deduct the amount from my savings account. 
This was my return confirmation from them : Hi XXXX, Your {$190.00} payment has been scheduled for XX/XX/year>. On that date, your payment will be withdrawn from your XXXX XXXX XXXX account ending with XXXX. 
On XX/XX/year> I received notice from my bank. They withdrew this amount twice from my account under the same transaction number which this was not a double payment made by me and neither do I have auto pay. The company stated they would look into it, but I would have to wait up to 14 to 10 days for a refund on money that I did not give them permission to take or any access to it other than one payment. This is not the first incident that this happened three years ago they accidentally build my card to another person in a different state. Can someone please look into their practices as a try to mention that this couldve been an error on my part and I further informed them that this was not an error on my part after contacting my bank verifying transaction numbers in addition to verifying my confirmation number via email from them.
Consumer complaint received 2024-10-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been Detrimental to my life and credit health
Consumer complaint received 2024-10-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I lodged a complaint with these Bureaus a month ago, 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 30 days 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, XXXX, and Transunion data breach.
Consumer complaint received 2017-12-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: GRANITE STATE MANAGEMENT & RESOURCES (CA)

XXXX XXXX XXXX has been avoiding my deferment requests. I have a XXXX XXXX loan and my child is currently attending school full-time for an XXXX degree. XXXX & XXXX is not doing their due diligence by not promptly handling my requests. When I call them, they always have a different reason for how I have n't completed the correct forms, but I simply followed the instructions on their website and from their representatives over the phone.
Consumer complaint received 2024-10-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (TN)

Only 1 checking account. No credit card, no savings account, no secondary account to overdraft from. Regions charged daily overdraft fees of {$100.00} when there is no overdraft protection on the account ( this was verified and no option to disable because there is only 1 checking account ). Regions also prioritized transactions to force drafting the account into negative status ( that was observed by seeing smaller transactions pushed to the end to allow for larger transactions to force the negative balance in the account ). Regions also withholds transactions from the customer being to see and dispute them. This was also acknowledged by the teller ( have screenshots of the conversation ). They limit what you can see by 15 transactions per day, hence, why they purposely prioritize smaller transactions to meet that 15 transaction limit and hide what they are really doing, which is to charge you overdraft fees on an account that has no overdraft. This prevents you from disputing charges because they forcibly limit what you can see and mark it as pending for up to 5 days. I also disabled all transactions to the account AND enabled their lockit feature but transactions are still being let through even when that feature is enabled. If you tell the bank FREEZE my card/transactions, they don't do it and pick and choose what to send through or not. I have evidence of this as well. When I looked through their website it says " Regions reserves the right to change, at any time, the types of transactions blocked or not blocked ... '' They literally confess on their site that they can willy nilly choose, at any time, what they want to block or not ( took screenshots of that as well ). On top of that, I disputed a charge ( service was cancelled and the company failed to refund people ), when into a branch, worked with a teller, kept getting the weekly " we're working on it '' explanations, the teller LEFT the branch and nobody took over their cases and I went to another branch where the manager said I have to contact the fraud department directly ( which I should not have to do because I went into a branch and provided all of the evidence they requested ) and they closed the case knowing this was to be refunded but opted to close the case with no decision. Evidence was supplied, was verified by the teller, you can google the event being cancelled so there is ample and sufficient public evidence and the teller acknowledged that it was to be refunded but since they left their job, the bank does not want to honor their service.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 ; andi ) 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 2024-10-17
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. (TN)

XXXX XXXX claims I owe them money. They refuse to remove their account from my credit reports. However, I requested debt validation. They sent me a letter via mail on XX/XX/year> stating they are " unable to fulfill your request. '' How do I owe and am responsible for a debt they have no record of?
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

They are reporting an account for XXXX XXXX XXXX as having late payments when it does not. The creditor sent XXXX, XXXX, and Transunion all a notice over 60 days ago stating a request to remove the late payments. They also sent the same letter to me as a reference. The reporting agencies have yet to remove the late payments stating they are verified, they cant be verified if the creditor requested removal.
Consumer complaint received 2024-10-03
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. (IL)

I am asking for your help with this incorrect account on my credit report. It has damaged my reputation significantly, and I need your assistance. Your improper handling of my report has severely hurt me, and the incorrect details need to be removed as soon as possible.
Consumer complaint received 2024-10-03
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 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 60 days 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.

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 2017-12-06
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc. (CA)

I have unauthorized credit inquiries on my XXXX credit from XXXX XXXX XXXX XXXX  and XXXX XXXX. I did not grant permission to access my credit report and did not select the checkbox. 
The policy clearly stated, " Please note that we can still review and consider your request for a credit limit increase without accessing your credit report. '' If you do not wish to grant permission for us to access your credit report, do not select the checkbox. '' Further more i do not have a XXXX XXXX   account or have i 've ever applied for a  account. Please remove these credit inquiries immediately as XXXX did not have my permission to access my credit report. 


XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Specialty Clothing Store Phone Number Address XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Clothing Store - non specific Phone Number Address XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Clothing Store - non specific Phone Number BYMAILONLY Address XXXX XXXX XXXX
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I am submitting this complaint due to violations of several consumer protection laws regarding inaccurate information being reported on my credit report by XXXX XXXX XXXX and the credit bureau Experian. The account in question was declared as a loss by the original creditor but is still being reported as a " charge off '' on my credit reports, which is a direct violation of the following laws : **Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 : ** According to the FCRA, the information reported by credit bureaus must be **accurate and complete**. In this case, the account listed as " charge off '' is inaccurate, as the original creditor declared it as a loss. This misrepresentation violates my right to an accurate and complete credit report. 

**Truth in Lending Act ( TILA ), 15 U.S.C . 1601 : ** TILA requires creditors to provide clear, accurate, and honest information about consumer accounts. Reporting a debt that has been canceled as a " charge off '' misrepresents my financial situation, which is a clear violation of TILA. 

**New Jersey Consumer Fraud Act ( NJCFA ) : ** The NJCFA prohibits fraudulent and deceptive practices, including the intentional misrepresentation of financial information. The original creditor has declared this account as a loss, and continuing to report this debt as a " charge off '' constitutes a violation of this consumer protection law. 

Despite disputing this information with the credit bureau and the inaccuracies in my credit report have not been corrected. This account continues to negatively impact my credit score and my ability to access fair financial products.
Consumer complaint received 2017-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NJ)

I have been a customer of Citicards since XXXX and have always maintained a up to date account. On or about XXXX XXXX, XXXX their customer service department contacted me regarding a payment and told me that to avoid a late charge to submit my payment. She informed me that as long as I made a payment that I would not be charged a late fee. I then get a statement and they charge me a late fee. Why in the world would you tell me I was not going to get one if I made the payment and after I made the payment you gave me one. That is not good business. Let alone, by law there is a grace period for making payments. I will be terminating my business with them
Consumer complaint received 2017-12-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (CA)

XXXX XXXX XXXX XXXX XXXX and their collector, Convergent Outsourcing failed to properly inform me for when the dept was incurred, leading to believe that I was being Over Billed.
Consumer complaint received 2020-12-14
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. (AL)

I disputed two accounts twice with all credit bureaus, Equifax, XXXX and XXXX. The errors are still not fixed and the accounts are still reporting on my credit reports. The account with XXXX XXXX XXXX  was sold to XXXX XXXX. Both accounts are on my credit reports. I disputed the information reporting on both accounts. The credit bureaus allowed both companies to verify information that is clearly inaccurate as accurate. Again, these are the same accounts. However, the account number with XXXX XXXX XXXX and XXXX XXXX is different. The open date is different. The last payment date is different. The last active date is different. With XXXX XXXX, the open date is reporting as XX/XX/XXXX. However the last active date and last payment date is reporting as XX/XX/XXXX with Equifax. The last payment date and last active date can not be before the open date so this is obvious inaccurate information. Also, with Equifax, the payment status has been 120 days late for years. This is obviously inaccurate. I requested that the credit bureaus send the information used to verify this information. The credit bureaus did not send this information.