davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-15
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. (OR)

Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.
Consumer complaint received 2024-08-15
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. (OH)

Hello below are the companies I've reached out to several times and still have not provided any validation of these accounts. They are both reporting from the same account number with two different names this is a serious violation according to the consumer laws Under 15 USC 1692G Delete these accounts immediately for failing to do your due diligence making sure everything is 100 % accurate on my report. 

XXXX XXXX XXXX
Consumer complaint received 2023-05-02
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: Credit Karma (MN)

Credit Karma Emails with wrong information re : my account. 
Today was the " last straw. '' Stated have not used my XXXXXXXX XXXX card in one year. 
I used it last XXXXXXXX XXXX, about XXXX and have a no-interest for a year XXXX XXXX XXXX XXXX. They are consistently recommending weird credit cards and brining up information that is not consistent with my credit history. Thank you.
Consumer complaint received 2024-08-15
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: Experian Information Solutions Inc. (FL)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WI)

I talked to a representative at Experian and we figured out the issue of why my credit dropped. The Experian representative informed me they only report what the company sends in so the error could not be the fault of Experian. After contacting XXXX they informed me Experian made an error so I'm refiling this compliant with the updated information I gather from Experian today XXXX. The issues at hand is last month XXXXXXXX XXXX reported my XXXX loan accounts as current/terms meet, meaning I paid off or paid the loan which was an error and incorrect information. The status of the XXXX account in XX/XX/2024 should have been in charge off status like it's been for 2 years. This month which is XX/XX/20XXXX XXXX reported the account as a charge off again, which dropped my score. XXXX reported false/incorrect information for the month of XXXX which caused my score to plummeted. This is unfair and highly illegal. Reporting wrong information is in violation of the FCRA and by XXXX reporting incorrect information about the status of my account in XXXX XXXX should be deleted from my credit report due to the damage it has caused. If XXXX  claimed I paid in XX/XX/2024 ( which I didn't ) or that the account was current, how can they turn around the next month in put it back in charge off status in XXXX. I would like a detail explanation explaining why this occured and why experian reported this incorrect information. When you can clearly see it was an error.
Consumer complaint received 2024-08-15
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. (MI)

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 : DPT EDXXXX Account Number : XXXX Account Name : XXXX Account Number : 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 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

My requests to correct and remove false and inaccurate information on my credit report keeps getting denied and/or disregarded. As a consumer, I know I have rights and that very right is being violated with what these companies are reporting on my credit that are not the maximum possible accuracy. It's hurting my credit score and impacting my life negatively.
Consumer complaint received 2016-05-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (NY)

This complaint is on behalf of our client regarding their mortgage with Citi. We are the XXXX XXXX of XXXX XXXX assisting our client with their mortgage issue. We 've been trying to obtain vital information pertaining to their loan. A full modification package was submitted with hopes of an update. The account manager was reassigned to a XXXX XXXX at Citi Mortgage XX/XX/XXXX. Since that transfer, we have no been able to get any updates for the modification application that submitted for review. By now the document will have to be resubmitted again- another delay tactic from Citi and it 's employees. XXXX XXXX called our office maybe three, four times tops and sent random emails advising he called and I schedule an appointment to speak with. This is beyond exasperating, time consuming a violation out of CFPB guildelines, TILA guidelines and Regulations X and Y. It is impossible to get an representative who cares enough to go deeper into the file and inform us on the status review. To make matters worse, we had to resubmit the authorization countless times before to Citi when one was already issued and a confirmation of receipt was acknowledgement. What is going on here? Our client is only trying to make amends with the mortgage company but there seems to be unreliable and uncaring representatives handling this file. Once the authorization and cease and desist was provided ( again ) XXXX XXXX sent an email advising he will reach out the borrower instead of the firm. XXXX XXXX will make no attempt to call our office unless he receives a message advising him to return the call. 
How long will this " review '' take before we are provided with a response? This file has been going through the ringer since XX/XX/XXXX. What next, foreclosure? Please have this file reassigned to another representative immediately. We no longer want XXXX XXXX or his manager assigned to his file. There 's only so many emails and messages you can leave a representative and his manager. We can not provide our client any reassurance or creditable updates on their case. If possible, I am requesting to have XXXX XXXX reassigned to this case.
Consumer complaint received 2023-05-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Harris & Harris, Ltd. (PA)

I received a letter from a law office stating that I owed an amount for a medical service done on XX/XX/2022 which I had not received. I do not reside in the location where this service is said to have been provided. The amount I am being charged is {$2900.00} for medical services provided by XXXX XXXX XXXX XXXX in XXXX XXXX XXXXXXXX, and is being collected on by Harris & Harris Ltd. based out of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX IL XXXX. 

For context, is the second time that a company tries to collect money from me. I already tried to file a police report for a ticket that was issued to my name on a car that did not belong to me, as some one used my information and got a vehicle registered under my name.
Consumer complaint received 2015-06-18
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (PA)

I have repaid my mortgage with Coldwell Banker. While I had my mortgage with Coldwell Banker, the management of their mortgages was taken over by another company called " PHH Mortgage Questions ''. I note that my fully repaid mortgage still appears on my credit report. Why is it still there and how can it be removed. The mortgage was repaid over 7 months ago.
Consumer complaint received 2024-08-15
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)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-08-15
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. (AL)

I formally disputed inaccurate and incorrect information that has been reported on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is inaccurate, incomplete, or unverifiable. Additionally, I am aware that your agency and the data furnishers are required to comply with XXXX XXXX format standards when reporting data, which includes ensuring accuracy and timely updates. 
Dispute Details and Specific Violations : 1. Inaccurate Data Reporting ( XXXX XXXX Compliance Violation ) XXXX XXXX XXXX ACOOUNT # XXXX Issue : The information reported on this account is incorrect. I have identified errors such as [ describe the incorrect data, e.g., incorrect balance, wrong payment history, incorrect status ]. 
Requested Action : Please update the account information in compliance with XXXX XXXX standards, using the appropriate Compliance Condition Code ( such as " XB '' for resolved disputes or " XR '' for deletions ). 
2. Willful Noncompliance ( FCRA Violation ) XXXX XXXX XXXX ACOOUNT # XXXX Issue : The furnisher of this data has knowingly reported incorrect information despite my previous dispute efforts. This constitutes willful noncompliance under the FCRA, and I request that the data be corrected or removed immediately to avoid further legal action. 
3. Failure to Properly Reinvestigate ( FCRA Violation ) XXXX XXXX / ACOOUNT # XXXX Issue : Despite my previous dispute request, the data furnisher failed to conduct a reasonable reinvestigation and continues to report inaccurate information. This is a violation of FCRA Section 611 ( a ). Please update the account and apply the proper Compliance Condition Codes ( " XB '' or " XR '' ). 
4. Failure to Provide Method of Investigation ( FCRA Violation ) XXXX XXXX / ACOOUNT # XXXX Issue : After submitting a dispute, I was not provided with details regarding the method of investigation conducted by the data furnisher. Under the FCRA, I am entitled to receive this information. Please provide the method of investigation within 15 days of receiving this letter, as well as any documentation supporting the verification of the reported information.
Consumer complaint received 2024-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP (OR)

I am a long-time US Bank customer . Over the summer, my debit card was compromised, and US Bank issued a replacement card, which I activated in XXXX XXXX. Since then, I have been unable to add this card to XXXX XXXX through any available channels. After a month of back-and-forth with the Fraud Department and Customer Service , no one could explain the issue. On XX/XX/XXXX, I opened a case with US Bank to investigate what I initially thought was a glitch. The response I received informed me of a 90-day wait policy on new debit card holders, despite having received new debit cards in the past without this restriction. 

Seeking clarity, I escalated my case through multiple channels, including the local branch manager and customer support, but have received no response or further clarification. I have been dealing with this issue for over two months now and it still has not been resolved. I feel they are stringing me along until that 90 day wait is over. The last email communication on this case was back on XX/XX/XXXXXXXX  advising my concern would be escalated to a manager. I have received zero response since then, leading me to feel as though I am being ghosted. This lack of transparency and communication has left me with unresolved security concerns about my account. US Bank claims this limitation is working as designed, but no one at the bankwhether customer service, the fraud department, my local branch, managers, or online publication resourcesseems to be aware of this policy. 

I also reached out to the XXXX community, other US Bank customers confirmed they had no issues adding new debit cards to XXXX XXXX  on new or old accounts, which makes me question why I am being singled out when Im simply trying to protect my account with an additional layer of security. This policy not only limits my options but feels counterproductive to the very goal of security US Bank promotes. With no further responses from the escalation team or my branch manager, I am left with no other option than to escalate through this channel for assistance.
Consumer complaint received 2023-05-02
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: 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 U.S.C 1681. 

ACCT Name : XXXX. XXXX XXXX XXXX XXXX ACCT # XXXX ACCT Name : XXXX ACCT # XXXX ACCT Name : XXXX ACCT # XXXX ACCT Name : XXXX ACCT # XXXX ACCT Name : XXXX ACCT XXXX XXXX ACCT Name : XXXX XXXX  ACCT # XXXX ACCT Name : XXXX XXXX XXXX XXXX ACCT XXXX XXXX ACCT Name : XXXX  ACCT # XXXX XXXX XXXX XXXX ACCT Name : XXXX ACCT XXXX ACCT Name : XXXX XXXX XXXX XXXX ACCT # XXXX ACCT Name : XXXX XXXX XXXX XXXX ACCT # XXXX ACCT Name : XXXX XXXX ACCT # XXXX XXXX XXXX XXXX 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 2023-05-02
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: Experian Information Solutions Inc. (NY)

Experian is reporting fraudulent information on my credit report. I have contacted them multiple times in order to get this resolved and they have not responded or assisted me with a solution. I had provided them with and FTC report and number to inform them that I was a victim of fraud and they still have fail to comply. Not only are they reporting fraudulent accounts on my credit file but they are also reporting addresses on my credit report that I never lived or was affiliated with.
Consumer complaint received 2024-08-15
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 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 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 2024-08-09
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)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: TRUIST FINANCIAL CORPORATION (TN)

I was not receiving regular bills, resulting in a few late fees ( that were waived ), so I decided to close the account in late XXXX of 2023. I had {$470.00} in cashback rewards, and was told by customer service in their rewards service center that I would have 60 days after closing the account to redeem my rewards ( see attached letter from Truist stating the policy ). I had used the card for years and always had my rewards direct deposited to my personal checking account without a problem until this point. 

I tried to redeem them several times and always received emails indicating that there was a problem and the money was not deposited ( see attached email example ). I tried at XXXX different banks, and verified that routing and checking account numbers were correct. 

Here 's the issue : the rewards center folks have a policy indicating 60 days to redeem rewards after closing the account, as I described above. On Saturday, XX/XX/2023, I was on a three-way call with Truist 's reward center and their regular customer service, and learned that those two offices have conflicting policies. The rewards center indicated the 60 days to redeem policy, whereas the regular Truist customer serviced claimed that I forfeited my rewards immediately upon closing the account. Their two policies are irreconcilable. Obviously I would not have closed the account before redeeming my rewards had I known about these conflicting policies, but I was clearly informed by the rewards center ( and the attached letter ) that I could. 

The bottom line is that Truist owes me {$470.00} and they won't give it to me.