davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IN)

I looked at my report back on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts My Birthday Was Incorrect Also it Was XX/XX/XXXX on my credit file they just recently updated it to XX/XX/XXXX. 

Collection Agency XXXX XXXX XXXX XXXXXXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XXXX XXXX, XXXX Original Amount Owed {$2800.00} Amount {$3700.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX  Creditor Classification XXXX Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES AFTER RESOLUTION Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Name XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Original Amount Owed {$770.00} Amount {$770.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # XXXX Creditor Classification UTILITIES Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ( XXXX ) XXXX XXXX XXXX XXXX I Original Creditor Name TOTAL ACCESS URGENT CARE Date Assigned XX/XX/XXXX Original Amount Owed {$610.00} Amount {$610.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX  XXXX Creditor Classification XXXX Last Payment Date Date of First Delinquency XXXX XXXX, XXXX
Consumer complaint received 2024-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX of 2024 at around XXXX XXXX, I made a cash deposit through an ATM of {$1500.00}. When finished, ATM said they could not give my money back and receipt showed a balance of {$300.00}. I went inside the bank and talked to a representative and they said that is normal, and that it should be in my account by tomorrow, and if its not, to call and file a claim. XX/XX/XXXX and the money was still missing from my account so I called the number the lady at the bank gave me and told them my situation. They said my money would be deposited back into my account in 2 business days, or 10 business days at the latest. I waited 2 days, the money still wasnt in my account so I called on XX/XX/XXXX. The people on the phone said that it should be in my account in 10 business days and if its not, I will receive a credit for the {$1200.00} which could be reversed if my claim wasnt approved. Today, XX/XX/XXXX, I checked my account again and noticed they gave me a credit for the missing amount, so I called again and told them I am not interested in a credit that could be reversed and potentially put me in debt when I had the money, they just took it from me. The people on the phone still couldnt tell me why they took my money and cant give it back when I had the cash in my own hands and they took it.
Consumer complaint received 2024-10-04
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. (SC)

The following account was charged off as of ( XX/XX/year> ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understand charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 

I am demanding a deletion of the following account : XXXX XXXX bank
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX  Account number XXXX Under the provisions of the CARES Act, which aims to protect consumers affected by the pandemic, I am requesting that you consider removing this late payments from my credit report as a gesture of goodwill. I am confident that this isolated incident does not accurately reflect my creditworthiness or financial responsibility. The late payments in question was an anomaly caused by the unprecedented financial strain I faced during the height of the pandemic. 
The late payments listed were during the pandemic XXXX XXXX  30 days late XXXX XXXX 60 days late XXXX XXXX days late XXXX XXXX 60 days late XXXX XXXX days late This account has been paid and closed and I will like for the late payments to please be updated to paid. 


Furthermore, the reporting of the late payments is inaccurate, a payment can not be considered 60 days late, than 30 days late and go back to 60 days late. A payment can not be considered 60 days late 2 months in a row. This isn't factual reporting and is a violation of my consumer rights. According to 15 U.S. Code 1681- Congressional findings and statement of purpose, all information must be reported accuracy.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

In XXXX I opened a dispute ( XXXX ) with Experian credit bureau to correct information in my file with XXXX XXXX. My file showed that the balance and status of the debt was unpaid and Account charged off. {$280.00} written off. I requested that they update to show the balance as {$0.00} balance and the payment status as Paid/Paid Charge off as of XXXX. My report currently only reflects the {$0.00} balance and to add insult to injury is now showing that this account is charged off in XXXX, which is incorrect. The debt was paid prior to XXXX. This debt was paid on XX/XX/XXXX. Before I submitted the dispute I sent a copy of the payment made in XXXX to Experian so that this wouldnt report as being charged off in XXXX. 

I would like my payment history for XX/XX/year> updated and the payment status updated to Paid since this account was in fact paid with Charged Off/Written Off removed since the credit grantor accepted payment on XX/XX/XXXX. The correct payment status should be showing based on the documentation that I have provided to Experian.
Consumer complaint received 2024-10-04
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. (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2017-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (KY)

I am writing to your agency in hopes you can help me with my disputes. I opened a claim on  XXXX / XXXX /  XXXX   for the charge of {$2500.00} from   XXXX   XXXX   made on  XXXX / XXXX /  XXXX   on my  XXXX  credit card and I still didnt hear from them on what happened with that. Please help me find out what was the outcome. I opened a dispute because I paid for a service that I did not receive.   XXXX   XXXX   contacted me offering me online services, I could never get any help from them or get a straight answer on what to do after they showed me some videos. I could not comprehend what was in front of me, and they did not answer any of my questions. And I dont know what happened with my  XXXX  claim. Thank you for your help.
Consumer complaint received 2024-11-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

In XX/XX/year>, I purchased an item from XXXX for {$210.00}, which I later decided to return. XXXX return instructions indicated that I had until XX/XX/year>, to return the item, as shown in the provided documents. I shipped the item back via XXXX on XX/XX/year>, using tracking number XXXX, and XXXX records confirm that XXXX received the package on XX/XX/year>. Despite returning the item well within the allowed timeframe, XXXX informed Citi Bank that the package was not delivered, leading Citi Bank to deny my dispute and leaving me without a refund. Additionally, XXXX system shows the return as stuck in processing, further delaying my ability to resolve this matter. I have provided Citi Bank with clear evidence of delivery, including XXXX tracking details that confirm XXXX  receipt of the package on XX/XX/year>. However, Citi Bank closed the dispute based on XXXX claim, disregarding the documentation I provided. I am seeking assistance from the CFPB to have Citi Bank reopen this dispute, acknowledge the proof of delivery, and issue a refund of {$210.00} to my account, as I believe I am entitled to a full refund under XXXX  return policy.
Consumer complaint received 2024-10-04
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. (MS)

" 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 2024-10-04
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)

Subject : Legal Demand for Monetary Damages Due to Violations of the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally demand monetary compensation for damages caused by your continued failure to remove an inaccurate XXXX Bank account from my consumer report, despite multiple dispute requests. This account does not belong to me, and your failure to correct this error constitutes a willful violation of my rights under the Fair Credit Reporting Act ( FCRA ). I submitted formal disputes regarding this matter. Despite clear evidence that the XXXX Bank account does not belong to me and supporting documentation indicating a potential case of identity theft, you have refused to remove the inaccurate information. This continued reporting of inaccurate information has caused harm to my credit reputation, financial standing, and has resulted in damages. Under the FCRA, you are legally required to maintain accurate information on consumer reports. By failing to do so, you have violated the following provisions : 15 U.S.C. 1681e ( b ) which requires credit reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information reported. 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) which mandates that inaccurate or unverifiable information be deleted from a consumers file after a reasonable investigation. 15 U.S.C. 1681c-2 which requires the blocking of information related to identity theft once notified. Due to your continued non-compliance, I am now pursuing monetary damages as provided under : 15 U.S.C. 1681n for willful non-compliance, which allows for the recovery of actual damages, statutory damages ( up to {$1000.00} per violation ), punitive damages, and attorneys fees. 15 U.S.C. 1681o for negligent non-compliance, which allows for recovery of actual damages and attorneys fees. Demand for Relief I demand that you immediately : 1. Remove the inaccurate XXXX Bank account from my consumer report. 2. Pay the following damages : Actual damages incurred due to the inaccurate reporting, including but not limited to the denial of credit, higher interest rates, emotional distress, and damage to my financial reputation. Statutory damages of up to {$1000.00} for willful violations of the FCRA. Punitive damages to deter future violations. Attorneys ' fees and costs associated with this matter. Failure to meet these demands within 15 days of receiving this letter will leave me no option but to initiate a lawsuit to recover the damages owed to me under the FCRA. Please respond in writing to confirm your compliance with these demands and to provide the monetary compensation requested. I prefer that any future communication be made in writing. If you fail to comply with this demand, I will be filing a lawsuit without further notice. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2017-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

So, this time I applied online for a loan with  XXXX . I was denied based on MOSTLY THE SAME  XXXX  THAT STILL NEEDS TO BE REMOVED, PER MY PREVIOUS COMPLAINTS, however this time SURPRISE - Now I apparently have a Bankruptcy on my Credit Report.     REALLY!?     I have never filed nor have I had any bankruptcy on my reports, filed, dismissed or otherwise. EVER!     Now, suddenly I have  XXXX ? Yet I go to  XXXX  website, where I have any account, and guess what? There is nothing showing there!!      XXXX ?     I DEMAND THAT ALL MY INFORMATION BE RE-VERIFIED AND MY SCORES BE RESET TO WHERE THEY SHOULD BE!!     HEY CFPB, DO YOU ACTUALLY WANT TO DO YOUR JOBS AND MAKE SURE THAT THIS  XXXX  IS FINALLY TAKEN CARE OF????
Consumer complaint received 2024-10-04
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)

I have previously submitted complaints regarding inaccurate items on my credit report, yet no corrective action has been taken. I am once again requesting the removal of all negative and erroneous items from my report. 

If this matter is not addressed promptly, I will have no choice but to pursue legal action to seek compensation for the violations under applicable credit reporting laws.
Consumer complaint received 2024-10-04
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. (OK)

After multiple attempts with disputing unauthorized accounts with the fraud department I have not received any requested documentation connecting me to any of the accounts being disputed. I have run into issues with Experian 's upload portal to provide follow up documentation and when I called to resolve the issue I was met with an agent responding with the website seems to be having some sort of " lag ''. His advice was to continue attempting the upload and that he could close my dispute and reopen them to restart the investigation thus giving the creditor yet a fresh 30 day resolution time. The consumer reporting agencies are violating my consumer rights under 18 U.S. Code 1028A as I have reported to the agencies that I have filed now multiple IDENTITY THEFT REPORTS with the FTC and still no resolution as they respond they aren't able to verify the document even when provided the REFERENCE NUMBER.
Consumer complaint received 2024-10-04
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. (PA)

Why until now these negative accounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.
Consumer complaint received 2017-05-04
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Santander Consumer USA Holdings Inc. (TX)

On  XXXX   XXXX   XXXX  i  sent a debt validation letter to santander consumer and they have not responded to my letter that they signed and received on  XXXX   XXXX    XXXX   i ask that the remove this debt from reporting on all  XXXX  crefit bureaus or send me validation which are my consumer rights.
Consumer complaint received 2024-10-04
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$270.00}
Consumer complaint received 2024-10-04
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. (SC)

XXXX, XXXX ), ( XX/XX/XXXX ). This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 c-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 4 business days you receiving this complaint. This fraudulent, inaccurate, and false information consists of an automobile account opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) This account has resulted in several fraudulent hard inquiries and fraudulent collections that is " written off '' meaning paid with a 1099 C and company did not provide any documentation to consumer. Every month fraudulent company is reporting on consumer report which is illegal and has no permissible purpose. Fraudulent collection ( s ) appearing on my consumer FICO credit report. 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 US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraudXXXX XXXX : EXPERIAN FRAUDULENT ACCOUNTS THAT ARE REPORTING ON CONSUMER REPORT : XXXX XXXX AND XXXX XXXX XXXX ACCOUNTS DO NOT BEAR A WET INK SIGNATURE. EXPERIAN IS OBLIGATED BY THE FCRA TO REPORT ACCURATE ACCOUNTING CONSUMER HAS ADVISED ALL INQUIRIES REPORTED WAS FRAUD.COMPANY HAD 4 DAYS ACCORDING TO THE LAW TO REMOVE SUCH ITEMS. FTC FRAUD REPORT WAS FILED ON BEHALF OF THE CONSUMER, CONSUMER IS NOW REQUESTING EXPERIAN TO PROVIDE THE DOCUMENTATION USED TO DETERMINE INQUIRY AND OR ACCOUNT WAS INDEED AUTHORIZED BY THE CONSUMER. EXPERIAN HAS 15 DAYS TO PROVIDE ME WITH THE NAME OF THE PERSON ( S ) SPOKEN TO, DOCUMENTATION USED, SIGNED APPLICATION WITH CONSUMER WET INK SIGNATURE. CONSUMER IS NOT ASKING FOR E-OSCAR REPORT. BOTH XXXX XXXX AND XXXX HAVE REMOVED ALL FRAUDULENT ACCOUNTS FROM CONSUMER REPORT. IF EXPERIAN DOES NOT HAVE DOCUMENTATION TO SHOW THESE WERE IN FACT AUTHORIZED IT MUST BE REMOVED ASAP. SAID COMPANY IS LIABLE UNDER THE SEC TO FOLLOW CERTAIN RULES. EXPERIAN FILE NUMBER XXXX. EXPERIAN IS DOING BUSINESS AS ANOTHER NAME WHICH IS XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Florida XXXX. Registration Rights Agreement. XXXX XXXX entered into a registration rights agreement with Experian XXXX XXXX XXXX XXXX Experian is a member of First XXXX XXXX XXXX XXXX XXXX XXXX ( FARES ), which in turn is a stockholder of XXXX XXXX XXXX XXXX the XXXX XXXX subsidiary that owns the shares of. I WILL BE FILING FORM XXXX TREASURY XXXX FORMS TO AUDIT CONSUMERS ACCOUNT. EXPERIAN IS SECURITIZING CONSUMERS DATA YET REFUSE TO PROVIDE CONSUMER A COPY OF THEIR CONSUMER FILE NOT CONSUMER REPORT.