davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-06
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)

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 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$1100.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (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.

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 2024-08-06
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. (CA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture, a bill, and and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ). I kindly request that you block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit reporting Act, I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required by the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2018-01-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK (TX)

I spoke to the Company And was told that if I pay the Debt Off. I would receive a letter saying amount was paid in full and it would also say it would be removed from my Credit. I Was told by three different people it would be said on there. They also told me we were being recorded just to reassure me that it would say it will be removed. And I went and did a Bank wire to them so they would receive it next day. So I can receive that Letter. And when I received the Letter it did not say that. And I called them and asked what happened to the letter they said I would get. They said the letter is already generated. They ca n't make any changes to it. So I asked to speak to a Manager. So they passed me to another manager that told me the same thing. I asked to speak to someone above them or the Woman who 's name was on the letter. They Said She do n't speak to people. Only they can. I tried to be patient with them and asked all I need is the letter they promised me. And that 's All I Need. I paid what I needed to pay and Know I need them to keep there end of the bargain.
Consumer complaint received 2017-11-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (NJ)

Im writing to ask that you consider a specific concern that the banking industry has inadvertently left its customers more vulnerable to fraud in an area that would be easy for them to fix in the ACH ( Automated Clearing House ) transaction capability. The risk was minimal when they created consumer ACH capability years ago, but is substantial in todays reality of hacks of government entities like the Office of Personnel Management and companies like XXXX and XXXX. 

Today many companies automate payments using ACH debits to consumer bank accounts ; however, the consumers control over this capability is almost non-existent. Transactions between personal accounts require configuring debits or credits or both with approvals by both accounts ; but companies need only a consumers routing and account number to withdraw funds up to the limit of {$15000.00} per day per account ( or {$45000.00} per month. ) This leaves the door open to honest mistakes and fraud in numerous ways. 

Currently banks have not yet added configuration capability to safeguard against potential fraud. This was probably well intentioned, aiming to minimize the burden of automated payments on both vendors and consumers ; but it is now a disaster waiting to happen. An obvious scenario would be for a company to acquire a large volume of hacked consumer information, to make massive withdrawals, and then to disappear. ( An overseas shell company, for example. ) This would leave banks on the hook when their customers disputed these transactions, AND temporarily destroy many consumers cash resources. Yes, disputes would solve this for consumers, but the weeks necessary to resolve the problems would seriously impact many families. 

I hope Ive made my point. I believe history has shown that sooner rather than later, someone will take advantage of this vulnerability. Lets get ahead of the game and either persuade banks to provide more configuration capability, or, as a last resort, require them to. 

Last week a mistake by my investment management firm left my bank account almost empty when they made a simple mistake, debiting rather than crediting my account. Fortunately, I had configured appropriate alerts and discovered the problem immediately. My investment management firm is one of the countrys most reputable ; and the same can be said of my bank. However, I still have no ability to configure things to make such a mistake impossible in the future! Im not as concerned for myself as I am for people less fortunate than me, which includes many, if not most, of my fellow Americans. Please consider doing what you can to help correct this situation. Thanks in advance for your consideration.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Please take a look at the attached letters and ID docs for verification that it is I 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 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

This morning, I found unauthorized inquiries on my credit report and I'm unsure of the reason. I routinely checked my credit report and noticed unexpected discrepancies this time. After refreshing my browser to rule out a malfunction, the unauthorized inquiries were still there. Therefore, I am asking for a thorough review of the documents I've submitted to resolve this concern permanently.
Consumer complaint received 2024-08-06
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. (NM)

An inquiry was made by XXXX XXXX on XX/XX/XXXX and reported to Experian. I did not make this inquiry. My account at XXXX XXXX  was open on XX/XX/XXXX. I already had an account for my car, and did not make this inquiry. I did not give XXXX permission to look at my credit report.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( CREDITOR NAME ) 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 2024-11-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (NC)

My account was frozen on XX/XX/XXXX due to a check that I deposited from XXXX XXXX, they said it was fraudulent activity. I called and provided a substantial amount of information including a number to call to verify the check and was told multiple times to call back. I was told to call back on XXXX, XXXX, and today XX/XX/XXXX and there still has been no update. I spoke with XXXX XXXX XXXXXXXX about the check that I deposited on XX/XX/XXXX and they stated it had posted on my account and that there was nothing further they could do. I am just looking for my account to be unfrozen so I can close this account because it has been a headache.
Consumer complaint received 2024-08-06
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. (NY)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRY To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. 

If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. 
According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. 
Your immediate attention to this matter Is appreciated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number - XXXX Inquiries that need to be removed are listed below 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 2022-04-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (MO)

On the XXXX of XXXX, a mobile check deposit for XXXX was done w without my knowledge or any alerts when I am signed up for mobile alerts and email. I did not find out that my account was locked or was going to be closed until Friday the XXXX when my paycheck was not in the account. When I called and asked if it had been deposited they repeatedly told me it had been returned to my employer. So when I called the employer and they hadn't received it back I called customer service and the XXXX XXXX department again and was told the same thing this went on for XXXX days on Sunday when I called Citibank they told me that it was there. I have been requesting to speak to a supervisor since the XXXX and all I am told is that there isn't XXXX available or they will call me in XXXX to XXXX hours here it is a week later and I still haven't received a phone call. And I have made at least XXXX more requests. They are telling me I have XXXX XXXX over XXXX miles to the nearest branch or wait XXXX to 60 days for a check. I have no vehicle right now XXXX XXXX XXXX miles. And then today they are telling me that my social security check wasn't deposited when I called social security they said it was processed so I called the bank again and they found the deposit after I told them what the social security department had said. But they are saying that they can't have it sent to my new bank because they already acce [ pted the deposit but why would they accept it if the account is going to be closed this makes no sense to me maybe you can explain it to me I am going to be evicted if I don't get my check from this bank I know that doesn't matter but it does to me.
Consumer complaint received 2024-08-06
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)

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 2024-10-06
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: Experian Information Solutions Inc. (GA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I am writing to request the removal of specific unauthorized accounts and inquiries from my credit report. I am a victim of identity theft linked to a recent data breach, and these items were fraudulently added to my report. According to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these accounts and inquiries blocked and deleted from my credit report. 
Fraudulent Accounts : XXXX. XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$1700.00} XXXX. XXXX  Account # XXXX Opened XX/XX/XXXX Balance : {$1700.00} XXXX. XXXX  XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$0.00} XXXX. XXXX  XXXX  XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$420.00} Fraudulent Inquiries : XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX
Consumer complaint received 2024-08-06
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. (PA)

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 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 2022-04-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: GOLDMAN SACHS BANK USA (NY)

I returned an XXXX XXXX on XX/XX/2022 XXXXAPPLE CARD indicated that the item was not returned so the device was put into installment payments thus preventing me from being able to clear it to zero balance. Apple retail has not helped and became complicit and deactivated my Apple -ID for no apparent reason so I am stuck with a deceptive positive balance on the Apple Card... .I sent documents that item was returned but they refuse to clear the APPLE/CARD and take it out of installment payments-APPLE/CARD Had also reported a XXXX XXXX alert to the 3 credit bureaus lowering my credit score 30 points-though there is nothing owed on this card ... APPLE owes me XXXX Apple Retail and APPLE/CARD has not responded accordingly even though they sent emails -No calls have showed up my caller ID -Some calls came in but when answered they would hang up-Apple and Goldman Sachs has avoided my attempt to correct the transaction behavior they altered and modified! I have run out of options and my mental has deteriorated since this occurred.
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

Back in XX/XX/2017 I filed an police report with an company that committed fraud. I was supposed to do a vehicle refinance. The dealer cashed the check and was suppose to pay off XXXX XXXX and XXXX XXXX. Dealership never paid XXXX XXXX or XXXX XXXX left me with two loans. I filed police report and customer compliant at XXXX XXXX. I'm still awaiting court date but XXXX XXXX closed out account on credit report. XXXX XXXX is still reporting account is open and high balance. I been trying to dispute with credit bureaus and had no luck at all and this is messing up my credit report.
Consumer complaint received 2024-11-01
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: EQUIFAX, INC. (AL)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.