davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

Company is breaking federal law 15Usc1681e ( b ) assured that I'm due and promised an accurate credit report. They are reporting inaccurate, fraudulent information and intentionally being negligent in the remedy of my affairs. I have sent in all required documents requested by the company on XX/XX/2022 and they have failed to respond to my correspondence within the 30 day timeframe.
Consumer complaint received 2022-08-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mandarich Law Group, LLP (IL)

I begin the debt snowball technique to repay a handful past due creditors, because I overextended myself financially. XXXX XXXX  is one of nine creditors that I have personally committed to repaying. XXXX XXXX and another creditor are the last two credit cards left. XXXX XXXX received payments before I was served a summons by Mandarich Law Group. I was surprised to receive a lawsuit in the mail. 

I rendered payments to XXXX XXXX  to satisfy my debt. In the midst of a series of payments to XXXX XXXX. Mandarich Law Group, a debt collector, served lawsuit paperwork on or about XX/XX/XXXX for {$7600.00}. In a complaint filed with CFBP on XX/XX/XXXX Mandarich Law Group acknowledged that I sent payments for the debt. I mailed a letter to Mandarich Law Group dated XX/XX/XXXX disputing the debt with them and asked them to refrain from contacting me. In response to my letter to Mandarich Law Group- a debt collector, XXXX XXXX mails a letter confirming the amount owed as {$7400.00} on XX/XX/XXXX. 

Nevertheless, Mandarich Law Group, a debt collector, has continued to pursue the lawsuit for the misrepresented amount of {$7600.00} after I disputed the debt in a timely manner and has made no attempts to update the misrepresentation with the court. My attorney has also informed Mandarich Law Group, a debt collector, of the misrepresented amount. Each time Mandarich Law Group, a debt collector, appeared in court, I informed the judge that I was being harassed by unfair debt collection practices. In court I acknowledged to the judge that I owe XXXX XXXX and intend to pay, however ; the amount of {$7600.00} is a misrepresentation of the amount owed. If Mandarich Law Group, a debt collector, is representing XXXX XXXX, it is their responsibility to validate the debt with the dates and amounts of payments according to the law. 

This situation has caused a tremendous amount of stress and sleepless night. Additionally, this could possibly jeopardize my ability to become a XXXX XXXX XXXX. The XXXX XXXX disapproves of bankruptcies which I am considering yet have never filed for bankruptcy. This is not an oversight or a clerical error. It is blatant alleged harassment. 

I request {$480000.00} in damages of {$1000.00} for each occurrence of Mandarich Law Group, a debt collector violating the Fair Debt Collection Practices Act by filing a lawsuit, serving a summons, failing to update the misrepresented lawsuit or dismissing the misrepresented lawsuit to the court. 

The dates and actions are as follows : Notice Filed ( 1 day ) XX/XX/XXXX Summons Filed ( 1 day ) XX/XX/XXXX Summons Service ( 1 day ) XX/XX/XXXX Court Appearance ( 3 days ) - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Failure to Correct Misrepresentation ( 475 days ) XX/XX/XXXX thru XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (NC)

I am a natural living man. I am a human being. I have rights under 15 U.S.C. 1681 XXXX and CITICARDS CBNA is governed by 15 USC 1681 and they have violated my rights numerous of times. I demand this account be removed due to the following reasons. 

XXXX and CITICARDS CBNA has erroneously since 2019 reported negative and false information to my credit report. 

This entity is reporting a charge off account monthly on my credit report. 

I have asked them on multiple dates to provide verification of account but they have ignored my consumer rights and requests and proceeded to report this inaccurate data. 

According to 15 USC 1681 : I have the right to accuracy and privacy and I did not give XXXX nor CITICARDS CBNA written permission to furnish this account. 

Account Numbered # XXXX
Consumer complaint received 2023-12-28
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. (CA)

I sent a letter out XX/XX/2023 to Experian, XXXX and XXXX. Here are my certified mail return receipt tracking numbers. [ XXXX XXXX ], [ XXXX XXXX ], [ Experian-XXXX ] and I have attached a PDF with copies of the green certified mail return receipt card to this complaint. 
However, it's been more than 30 days and the credit bureaus failed to send my investigation back. This does not make any sense. 
I thought they were bound by the reference below to maintain the completeness or accuracy of any item on my credit report. 
15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
In the letter I sent, the below accounts on my credit report were being disputed. 
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 The above accounts should be permanently deleted from my credit report. 
I have since made multiple attempts through complaints with the CFPB at informing the credit bureaus of improper use of my credit report and that there is a Problem with a credit reporting company 's investigation into an existing problem. On more than one occasion the credit bureaus where I filed a complaint with the CFPB took significantly longer than 30 days to complete their own investigation. I have provided all dates and complaint numbers below as they would paint the picture of the credit bureaus having no regard for the laws they are governed by as you can see the data in the referenced complaints below. 
XXXX XXXX XXXX Experian-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian- XXXX XXXX XXXX XXXX XXXX XXXX Experian- XXXX XXXX XXXX  SINCE THEY HAVE ALREADY GONE PAST 30 DAYS ON THEIR RESPONSE TO ME MULTIPLE TIMES AS DOCUMENTED ABOVE... AND CONTINUE TO NOT REPORT ACCURATE INFORMATION, THEY NEED TO RESPOND TO THIS COMPLAINT WITHIN 24 HOURS WITH THEIR RESOLUTION OR DELETE THESE ITEMS FROM MY CREDIT REPORT.
Consumer complaint received 2023-12-28
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (CA)

I have been a customer of Citibank using the Citi Doublecash as my primary credit card. 

On my statements ending in XXXX and XXXX, I was charged interest on purchases. I should not have been charged interest - there was a bug with payments being applied to the account as a whole but not to standard purchases or my balance transfer offer. Thus, the balance subject to interest rate in both of these months was higher than the previous statement balance ( makes no mathematical sense... ). I called Citi in XXXX and XXXX after I received these statements. I was credited for the incorrect interest charges. In XXXX, a Citi representative informed me that a report was made so that this bug could be corrected. 

Most recently on XX/XX/XXXX I received my statement. Again, I was charged for interest and the total balance subject to interest was higher than the previous statement balance. I made a {$5000.00} payment during my XXXX to XXXX statement period and while this was applied to the balance as a whole, it was not applied to my balance subject to interest rate. I have included my statements for reference. I tried calling on XX/XX/XXXX around XXXX PST and eventually spoke to Floor Supervisor " XXXX '' who was unhelpful and rude. He was not able to answer why the balance subject to interest was higher than the previous statement balance but insisted the charges were legitimate. Looking at my statement closing in XXXX... 

Previous statement balance = {$24000.00} Payments during period = - {$5000.00} ( excluding new purchases to calculate balance subject to interest ) Total balance subject to interest = {$19000.00} In addition, most of this is a balance transfer that is charged interest at a much lower rate. 

Instead, the balance subject to interest rate is a total of {$25000.00}. This makes no sense as this is higher than my previous statement balance and current statement balance.
Consumer complaint received 2023-12-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synovus Bank (NC)

I reached out to SYNVS/XXXX to request specific verification documents, notably the signed contract agreement reflecting my signature, to validate an alleged account. Unfortunately, I have not received any such verification documents. Instead, I received a generic statement asserting the absence of fraudulent activity. However, this assertion is erroneous as the account in question lacks any of my personal information. The absence of verification documents, only providing transaction statements, does not fulfill the requirement for validation of debt as per consumer protection regulations. This account stands in violation of consumer law by failing to provide the necessary documentation to establish its validity and association with my identity.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

After reviewing my credit report, I noticed I have XXXX late payments being reported by XXXX XXXX XXXX I called and they were unwilling to reverse the late payments although I have excellent payment history, and this was an oversight on their part. This is not how a customer with my history should be treated, I notice the late payment was reported in XX/XX/2022 and XXXX XXXX. Please note I have excellent payment history with is company and has never been late. From my history of never being late, this is an oversight on behalf of the client. Please note this report is a violation of my consumer rights. 
Please understand as a consumer my rights were violated by the reporting of these late payments. I would like these late payments to be removed and cleared from my credit profile. 15 U.S. Code 1666b - Timing of payments ( 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.
Consumer complaint received 2023-12-29
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP (SC)

Notice of US Bank Relia Card services provided by the Government of the XXXX XXXX XXXX for Excise Periods XXXX, XXXX, XXXX, and XXXX in-progress ; the selection requests directed to exempt property servicing personal checking eft-direct depositing banking construction E-Filed Agreement periods. 

The statement of complaint citation Identity Theft 18 U.S.C. Section 1028A, treasury sales promoter 's fraud on contracts, and the financial statement arrangement disclosures ; allocation name reportable, the descriptions, Excise Exempt Property 28 U.S.C. Section 791, 12 C.F.R. Part 360 reportable periods, Salaried Income Tax Refund XXXX transactions purpose means, depositing schedules, withdrawals, transfers between accounts, exchange of currencies, loans, extension of credits, purchases or sales of any stocks, bond securities, share certificates, or registered monetary instruments, or investment securities, or any other payments, transfers, or deliveries by, through, or to the financial institution ownership selected by whatever means. Notice of Creditor 15 U.S.C. Section 1635 Transaction Rescission Rights :
Consumer complaint received 2023-12-29
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 2023-12-29
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. (OH)

Equifax has completed its investigation into my CFPB complaint on XX/XX/2023 regarding my request to block information that is reporting as a result of an alleged identity theft, your companys response stated that the 73 disputed inquiries are a FACTUAL record of file access and that Equifax VERIFIED accounts as belongs to me. I am requesting proof that Equifax has followed reasonable procedures and made reasonable efforts to verify the identifications and certifications of users BEFORE preparing and furnishing my consumer report in compliance with the FAIR CREDIT REPORTING ACT.
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. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-03
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)

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. 

Account Name : 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 and list of Inquiries 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 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX, No agency shall disclose any records which is contained in a system of records, by any means of communication to any person, or to another agency ( Privacy Act 1974 ). Cancelled Debts states that a charge off is considered a certificate of indebtedness, which means it is income that can not be reported to consumer reports ( IRS Publications 4681 ). Disputed debts states if the consumer notifies the debt collector within the 30 day period that the debt, or any portion thereof, is disputed, the debt collector shall cease collection of the debt ( FDCPA, 15 U.S.C. 1692 ( g ) ). Any person who obtains a consumer report from a consumer reporting agency, under false pretense, or knowingly without a permissible purpose shall be liable to the consumer reported agency for actual damages, sustained by the consumer reported agency or {$1000.00} which ever is greater ( FDCPA, 15 U.S.C. 1681 ( n ) ). A non-afflicted third-party that receives from a financial institution shall not directly or through an affiliate of such receiving third-party, disclose such information to any other person that is a non-affiliate third-party, unless such disclosure would be lawful if made directly to such other person by the financial institution ( FCRA, 15 U.S.C. 6802 ( c ) ).
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 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 2024-10-03
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. (PA)

I am submitting this complaint to inform you that I have been a victim of identity theft. After conducting research on how to remove the fraudulent items from my credit report, I discovered that I need to file a report with the Federal Trade Commission, which can be done at XXXX. According to Section 605B of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to remove any items listed in an identity theft report. 
Enclosed are the necessary documents to assist in the removal of the erroneous information currently appearing on my report. Below is a list of items that do not belong to me or were opened without my authorization As stipulated in FCRA Section 605B ( a ), credit reporting agencies are required to remove any information identified by the consumer as resulting from identity theft within XXXX business days of receipt of this request. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-12-28
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I overpaid my credit card by {$130.00}. Bank of America ( BoA ) issued me a refund check of {$130.00} on XXXX XXXX XXXX to bring my account balance to XXXX. BoA then closed this account when it sold this credit card entity to XXXXXXXX XXXX 
Unfortunately, the refund check was not delivered to me until XXXX XXXX  due to postal delay. As the check was only valid for 120 days, I was not able to deposit this check. 

BoA refused to issue me a new check as it said the account had been closed at BoA, they are not able to issue a replacement check on a closed account. The facts are : this dated check was issued by BoA and the account balance was XXXX when the account was transferred to XXXX. BoA alone is financially liable to me. However, BoA tried to evade its financial responsibility by repeatedly asking me to get compensation from XXXX. BoA reasons that my old account is closed at BoA, they have no more responsibility to me. But this check was issued by BoA before my account was closed by BoA.