davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK (CA)

Last year in XX/XX/XXXXI talked with a DISCOVER agent regarding the DISCOVER IT Miles credit card. The DISCOVER agent made a clear and unambiguous promise to me that after a year of using this credit card, DISCOVER would match all the miles I earned automatically at the end of the first year. I was told that I just needed to open a DISCOVER IT Miles credit card to receive this benefit. Because of this benefit being offered, I chose DISCOVER IT Miles credit card over the competitors. I thought this was a great offer because I needed to earn points to fly and visit my family in Missouri. Consequently, I accepted this offer and starting using my DISCOVER IT Miles credit card for most of my purchases. I spent thousands of dollars in one years time in anticipation of receiving this doubling of miles. However, after a year, I noticed that the miles I earned were not matched by DISCOVER. In fact, when I called the customer service center and requested this issue to be resolved, I was told DISCOVER would not match anything because I was a previous DISCOVER card holder. I then requested the phone records and phone recording of my call so I could substantiate that I indeed was promised these terms by an agent of the company. In response, the supervisor told me that it was deleted and that DISCOVER does not keep records of any phone conversations after 6 months. The supervisor then went on to say that there is nothing he could do and implied that I should have known this because he heard this information on a DISCOVER commercial. I am sorry, this is unacceptable. I'm am simply requesting that the terms of our agreement be honored. I have been a loyal customer for 16 years since XX/XX/XXXX.

I have attached the screen shot from the Discover website. The language states clearly on the front page that Well match all the MILES youve earned at the end of your first year, automatically. The website does not clearly and conspicuously state that existing customers will not be eligible. Furthermore, regarding the ( # 2 asterisk ) designation at the end of this paragraph, it is almost impossible to find. This is evidence of what was offered to me by a DISCOVER agent, that DISCOVER would match or double the miles of any user after using this credit card for 1 year.

For all these reasons, I am requesting all the MILES Ive earned be matched as the DISCOVER agent presented to me. I look forward to hearing from you!
Consumer complaint received 2018-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (CA)

I open an account with this CC back in XXXX and have been on time with my monthly payment till I closed my account in XXXX. I recently shopping for tires online and the website that I going to buy those tires offer finance and its the same CC but I was denied even if I have been on time paying my bills with the same CC company. This just prove that Credit history is really not important
Consumer complaint received 2024-10-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
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. (TX)

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 

Delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-01
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. (WA)

Experian Credit reporting Agency is a company for PROFIT, this company never really does any Disputes. This company dispute process is done by an old computer by the name of XXXXXXXX XXXX XXXX  XXXX and XXXX XXXX a data holding tank. In fact more than 70 % of the dispute process is done in many 3rd world countries. NOT IN AMERICA. I  sent in a complaint and a dispute, under The FCRA 609 ( a ) ( 1 ) ( A ) to Experian, they came back with ALL computer responses. The company will follow the LAW, they have already made BILLIONS of DOLLARS for maintaining BAD information, INCORRECT information, when ask to provide the documentation, they never had it, never seen it, nor can show ANY consumer a copy of it FROM the creditor. Credit is SO IMPORTANT in the United States of America, we allow other countries to handle it for us, some will call it cheap labor, which NONE of them, have been trained to understand the FDCPA, FCRA, many of them do not speak English, just the script they have been taught, to read.
Consumer complaint received 2018-01-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (AL)

I was shocked when I reviewed my credit report and found late payments on the dates below : 30 days late as of XXXX 2017 60 days late as of XXXX 2017 90 days late as of XXXX 2017 90 days late as of XXXX 2017 I am not sure how this happened. I believe that I had made my payments to you when I received my statements.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

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
Consumer complaint received 2024-10-07
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. (NC)

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 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. (CA)

I am filing a formal dispute regarding the inaccurate reporting of late payments on my XXXX XXXX XXXX account : XXXX Date opened : XX/XX/year> Despite my timely payments, Experian has continued to report late payments inaccurately, which is a violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards.

I have reviewed my account history thoroughly, and all payments were made in accordance with the terms of my agreement. The continued misreporting of this information has significantly damaged my credit score and overall financial standing. This is not only unjust but a violation of my rights under the FCRA ( 15 U.S.C. 1681 ), which mandates that all information on credit reports must be accurate and fair. 

I am requesting the CFPB to investigate this matter urgently and hold Experian accountable for their non-compliance. I demand the immediate removal of all inaccurately reported late payments on my XXXX account to prevent further damage to my credit profile. 

I appreciate your prompt attention to this matter and expect a confirmation that an investigation has been initiated within 15 days. 

Thank you for your assistance.
Consumer complaint received 2018-12-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo sold its checking and saving business in four states ( XXXX in my case ) to XXXX XXXX. I initially setup this checking and saving account when I was living in XXXX, but I moved out of XXXX  8 years ago. Now because of their business deal, my checking and saving accounts at Wells Fargo were closed on XXXX XXXX of 2018, and new checking and saving accounts are created at XXXX XXXX. The problem is, I have been living in XXXX XXXX for many years, and XXXX has my current address in their system for years. The consequence of this conversion is that, I don ; t have a bank to go to because there is no local XXXX XXXX in my state. I have to create an new checking and saving account at my local Wells Fargo bank and setup all the direct deposit and bill pay. 

This significantly affected my ability to receive salary and pay bills on time. I believe this is very unfair to me and Wells Fargo should ask for my permission firstly because I don ; t have a local XXXX XXXX in my state.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AR)

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 2024-10-07
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. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-10-07
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. (FL)

XXXX XXXX, Social Security Number : XXXX, XXXX XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at The XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX opened on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$5200.00}. an a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$840.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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. (NY)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2019-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A. (CA)

In XX/XX/XXXX, a 30days past due was reported on my credit report via XXXX credit card. 
During this time i had contacted XXXX and tried to fix the problem with them. I tried to explain that my XXXX card had not been active for a few years and i simply forgot that i had used it for a purchase. I asked to make the payment in full and for it to be forgiven from my credit report. 
I have had this card since XX/XX/XXXX and my payments are always on time except for this one incident. 
My past due was still reported ...
Consumer complaint received 2018-11-30
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (NJ)

XXXX XXXX XXXX contacted me 4 times on Wednesday, XX/XX/XXXX. They left a voicemail. 
I called them back around XXXX. Representative wanted to verify my address and phone number and told me another company will be giving me a call. 

Yesterday, XX/XX/XXXX, they called me 4 times ( XXXX, XXXX, XXXX, XXXX ) and they left me 4 voicemails. Same voice, same representative I spoke to on Wednesday. 

Today, XX/XX/XXXX, I received 4 calls from them and voicemails ( XXXX, XXXX, XXXX, XXXX ) Every time I call back, its the same female representative with the horse voice asking to verify the same information. She seems to not know or remember that we already spoke on Wednesday the XXXX and she is very aware that i already have a payment plan scheduled for every XXXX of the month. 

They've called my job and threatened to garnish my pay. They also tried to get info from the HR representative like my ss # and date of birth. 

All these calls are unnecessary. I have not missed a scheduled payment.
Consumer complaint received 2018-11-30
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: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

I contacted portfolio recovery to request information in regards to two items that have been reported on my credit report. the orginal creditor on one was XXXX XXXX XXXX ; in which they said they do not have a record of and the other one is XXXX XXXX. I asked them to validate the debt in which they show me when the account was first opened, how much the account is, a break down of fees, and the contract. They were not able to furnish this information and have yet to remove this item from my credit report.
Consumer complaint received 2024-10-07
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. (AL)

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 ( il ) 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
Consumer complaint received 2024-09-09
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: EQUIFAX, INC. (TN)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-10-07
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. (MI)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
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 was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported 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