davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (MD)

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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2017-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CA)

received limited time offer for credit card offering up to  XXXX   XXXX   XXXX  miles. Applied using unique invitation number online ... then was instructed to cal l citi ... which I did..Representative asked me to identify myself and asked if I had applied..I said yes ... after a moment  she said card was approved and I would receive in about 7 days.   In my email today I have email dated yesterday  (   X/XX/2017    ) at  XXXX   XXXX  saying credit card was approved and i should be receiving in 7 days ... ..then another email sent several hours later saying application was under review and i would receive more info in a week. M y credit score i s over  XXXX  so am confused and upset that I was told verbally and online that card was approved ... then that application is " under review. I can supply documentation ... .limited time offer letter and emails if needed. The bank involved is  Citibank NA.   invitation number  XXXX  ... ..application number  XXXX
Consumer complaint received 2016-11-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have notified Transunion that I am a victim of identity theft. The following accounts do not belong to me and I need your assistance in getting this matter resolved and these items removed from my credit file. 

1. XXXX 2. XXXX 3. XXXX 4. XXXX
Consumer complaint received 2017-07-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (WY)

In a previous request ( XXXX XXXX ) I requested my mortgage company, Suntrust, to draft my monthly payment from my Savings account instead of my Checking account at XXXX XXXX XXXX XXXX XXXX. Suntrust acknowledge the change and verbally assured me the XXXX XXXX draft would come of Savings. In XXXX XXXX Suntrust Mortgage did not withdraw the funds from Savings and instead withdrew it from Checking. I did not have the funds in Checking so I received NSF fees in the amount of {$60.00}. I brought this error to Suntrust 's attention and my issue was not resolved as Suntrust concluded they had withdrawn the money from the correct account. Suntrust was 100 % wrong. In my frustration I removed the automatic drafting by Suntrust. I intended on paying Suntrust by ACH from my bank XXXX XXXX. On the next payment I found out Suntrust will not accept ACH payments from banks. I had to make a 1 time payment from the Suntrust site for my mortgage. Therefore, I signed-up on line with Suntrust again to withdraw payment from my XXXX XXXX SAVINGS account. This was a brand new set-up so I had high hopes it would actually work correctly. I received a confirmation letter from Suntrust they would withdraw, effect XXXX, payments from my account type S for SAVINGS ( please see attachments ). The next payment, XXXX, Suntrust AGAIN withdrew money from my Checking instead of my Savings. However, I knew this would be the case so I had the money in the account or else I would have AGAIN received NSF charges. Suntrust was wrong again, even on a brand new draft set-up request. This proves that though I am signed up properly to use my Savings account as the source of funds Suntrust still takes the money from my checking. I want the {$60.00} in NSF fees in the original dispute to be returned to me as I signed up properly then and they were wrong and they are wrong again. I have attached notices and bank statements showing the drafts were ALL from XXXX XXXX Checking ( C ) instead of XXXX XXXX Savings. ( S ).
Consumer complaint received 2024-10-03
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)

My account with Experian 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 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.

Experian 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 2017-05-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ASTA FUNDING INC. (NY)

on  XXXX   XXXX    XXXX  , I receive a mail from my bank state that I have a court order levies on my account, for the amount of  XXXX  of outstanding principal remains due and unpaid., assigne to whom this debt is owe i s ( palisades collection, llc ) J UDGMENT DATE  XXXX  .th  e sc am by the collection agency is using my old address @ the court in  oder for me  not know about it, until now he come after m e, 1 ] fo r a 10 years plus debt, I want to have a full detail of that debt, and how debt was made, and also how much  palisades  collection .llc paid for it. from who he brought it from?     XXXX   XXXX    XXXX   XXXX  of  XXXX  index  XXXX  plaintiffs palisades collection, llc defenda nt,   XXXX   XXXX    INDEX   XXXX
Consumer complaint received 2024-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

CORRECTED earlier submission had wrong attachment : Capital One Bank 's response is false to my earlier complaint COMPLAINT ID XXXX. The electronic payments were made payable to XXXX XXXX instead XXXX  XXXX as I requested. Proof of this was received late XXXX by the subpoena from the subpoena department of Capital One Bank. In XX/XX/XXXX I requested a refund to correct the bank 's error, and I sent a copy showing payments to XXXX XXXX instead of XXXX  to the office of the president of Capital One Bank after speaking with XXXX of that office.
Consumer complaint received 2024-10-18
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. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-03
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)

I am writing about multiple collection accounts reported by XXXX XXXX XXXX, which I have previously disputed as fraudulent. These accounts are as follows : Account number XXXX in the amount of {$2800.00} Account number XXXX in the amount of {$2300.00} I must emphasize that these accounts are the result of aggravated identity theft, and I did not give anyone permission to report any information regarding these accounts. Under the Fair Credit Reporting Act ( FCRA ) Section 605B, I informed you that these collection accounts were fraudulent and requested that they be blocked from my credit report. 

Despite this, you have not blocked the accounts and instead claim that they have been verified. I am formally requesting a detailed explanation of how this verification was conducted. As these are collection accounts resulting from identity theft, I have not signed any agreement or contract related to these debts, nor have I authorized them in any way. 

Under the FCRA Section 611, I am entitled to know the specific method of verification and who exactly verified these accounts. Since no documentation exists to prove my liability for these debts, I demand that you immediately delete both collection accounts from my credit file. 

Should you fail to remove these accounts, I am prepared to file suit and seek statutory damages of {$1000.00} per violation, as permitted by the FCRA. I trust you will take the necessary steps to ensure these fraudulent accounts are deleted promptly. 

Please provide written confirmation of the deletion of these collection accounts within the required legal timeframe.
Consumer complaint received 2024-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America closed my debit card in XX/XX/XXXX due to inactivity Without my knowledge or consent. They did not provide me any kind of notification that they are taking such a drastic step and failed to see that it could have severe consequences to a consumer on how he/she can access funds. My debit card expired in XX/XX/XXXX and Bank of America failed to send me a replacement card. XXXX XXXX XXXX XXXX XXXX branch manager, XXXX XXXX, there are no records that new card is being issued or mailed to me. Being unaware about my debit card status, I tried to access my funds on XX/XX/XXXX at XXXX XXXX through Bank of America ATM machine outside one of the branches. I was asked ( by ATM machine ) to call customer service. Upon calling customer service, I was told that my debit card is discontinued and I CAN NOT withdraw funds at this time, I will have to wait for a next business day to go to banking center or wait until new debit card arrives. The agent on the phone did notify me that, debit card was closed due to inactivity but, failed to provide a specific reason as to why my debit card was discontinued WITHOUT my knowledge or consent, why I was not notified about it, why new debit card was not issued when the current card expired in XX/XX/XXXX. The Supervisor on the phone also tried to put blame on me stating, " I might have thrown away the new debit card as it arrives in a plain envelope without Bank of America marking or logo '' Though BOFA agents can check if new debit card is Mailed or not, she either failed to verify this information or deliberately tried to put blame on me. When I visited financial center next day, branch manager, XXXX XXXX confirmed that, new debit card was never mailed out. 

This is not an isolated incident. Both of my parents and my wife have Bank of America account, their debit cards are expired as well and they are experiencing similar problem as myself. There is a deliberate attempt from Bank of America to prevent customers from accessing their own funds on the name of security, failed to notify them or obtain their consent before discontinuing their debit card and failed to send a new debit card when current one is expired. 

I am asking to take strict steps against Bank of America for deliberate attempts from preventing customers accessing their own funds, failed on multiple occasions to act in consumer 's favor and conspiring against consumer to who put their trust in Bank of America. My time is much more valuable and I don't have to go through all the trouble to access my money, it is my right and Bank of America violated my rights by creating deliberate roadblocks to prevent me from withdrawing my funds.
Consumer complaint received 2017-05-23
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

my grandmother and i applied for loan modification ten years ago different lenders took over loan also i recieve check from florida hardest hit program the balance remain o ve one hundred thousand dolla rs the mortgage company has falsely reported me into collections my uncle and i are being harassed we submit payments every month the balance remain same ov er hundred thousand doll ars we are  XXXX  the principle almost at  eight perce nt where we could not never pay the mortgage off thanks please help me in this matter
Consumer complaint received 2017-05-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Bread Financial Holdings, Inc. (NY)

I used  Paypal to s end {$25.00} to someone. It was not clear to me that credit was being extended ( I had linked by bank account ). I got emails that my account was due, but nothing to the effect that major fees were being accrued. I figured, given usury laws, the most I 'd be charged would be 22 %, so {$5.00} of fees. Today I find out that I owed  XXXX  {$35.00} fees and  XXXX  {$25.00} fee, for a total of {$95.00} of fees and charges for just {$25.00} sent. This is crazy. I called the company, and spoke to "  XXXX  '' who was rude and condescending, and basically laughed at my plight. I think Paypal is harming consumers.
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. (NY)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX  XXXX XXXX  XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX # XXXX ; XXXX XXXX  XXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX  # XXXX ; personal addresses incorrect. 

I looked at my Experian credit report On XX/XX/year> 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 according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 ( i ) ( 5 ) they are suppose to do this ( 5 ) treatment of inaccurate or unverifiable information : ( A ) in general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promply notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681 ( s ) -2 they are suppose to 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 2017-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CarMax, Inc. (GA)

I am writing to dispute the following information in my file. I recently received a copy of my credit reports  (  XXXX ,  XXXX , and   XXXX   ). The credit report showed credit inquiries that I dont recall authoriz ing. I understand that you should not be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file with all   XXXX   credit bureau agencies because it is making it very difficult for me to acquire credit.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B . Insurance C. Employment D. Court Order Pl ease remove these inquiries from my credit reports immediately.
Consumer complaint received 2024-10-13
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (CA)

I was a loyal customer of XXXX for more than 4 years. i disconnected XXXX services on XX/XX/XXXX and transferred my services to different service provider and ported all active mobile numbers. I also talked to XXXX customer services representative ( XXXX  ) on XX/XX/XXXX and confirmed that the account has been deactivated and will be closed. She confirmed that XXXX will charge {$140.00} on XX/XX/XXXX for service period ( XX/XX/XXXX - XX/XX/XXXX ) because the billing cycle has already initiated. but in next billing cycle XXXX will reimburse me for the un-used services from XX/XX/XXXX ( service deactivation date ) to XXXX which is approximately {$70.00}. I lost XXXX online account access on XX/XX/XXXX after the services were de-activated. On XX/XX/XXXXXXXX XXXX instead to reimbursing {$70.00}, charged {$64.00} on my credit card. On talking to XXXX Customer service representative i discovered that XXXX activated a closed line. this line was deactivated more than 2 years ago. I didn't requested XXXX to activate any line and this line did not have any sim card associated to it. it didn't had any call history or data history as nobody was your this number. I was assured that XXXX will deactivate the line and try to reimburse me. Based on that conversation and previous Customer service experience. I requested XXXX  XXXX XXXX to put a hold on any new charges from XXXX and also initiated a dispute on credit card charges for {$70.00} and {$64.00}. which XXXX  XXXX XXXX reverted back on XX/XX/XXXX. This were the exact amount that XXXX promised to reimburse. In order to avoid any mis-understanding and get updated status i talked to XXXX representative ( XXXX ) on XX/XX/XXXX at XXXX XXXX. XXXX confirmed that there is no Balance due on the Account and the account is closed. Now, Even after multiple confirmation XXXX representatives, XXXX has sent the account to the Collection agency ( Radius global solutions LLC ) . They want to charge me for un-used services, Refund charges and late fee. where as i don't Owe they anything. the account balance is $ XXXX.which was confirmed by their multiple representatives. XXXX conduct is unfair, I have been their loyal customer for 4 year, have always made every payment on time as well as appropriately submitted request to closed the account and paid all balances. I am still being forced to suffer from unfair monetary and mental pressure. I Request CFPB to take appropriate action and help me resolve these credit issue.
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. (FL)

XX/XX/2024 To Whom it may concern : RE : Request for Immediate Reinvestigation under 15 U.S. Code 1666b Dispute of Late Payments and Reporting Inaccuracies To Whom It May Concern, I am writing to dispute several items on my credit report that have not been properly investigated. It is clear that your verification process was inadequate, merely relying on my last four SSN digits ( XXXX ), which is not sufficient for a thorough investigation. I am disputing the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Account number : XXXX ) These inaccuracies are detrimental to my credit rating. I am demanding an immediate and proper reinvestigation under 15 U.S. Code 1666b. Additionally, as required by the FCRA ( Public Law 91-506, Title VI, Section 611 ), provide the names and business addresses of the individuals or entities with whom you verified these accounts so I can follow up directly.

Please send me an updated credit report reflecting any corrections once the reinvestigation is completed. 

This matter is time-sensitive, and failure to comply will result in further action as I intend to protect my rights under the law. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2017-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (PA)

I field a dispute with all  XXXX  major credit bureaus about removing  a Public Record in  which shows inaccurate data. EQUIFAX reported the information has been updated however  XXXX  and  XXXX  has removed the public record.     I 've made a good faith attempt to resolve with no luck hence I am pursuing a formal complaint.      XXXX   XXXX   XXXX .
Consumer complaint received 2017-05-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Services Association (TX)

XXXX   XXXX  says that I owe {$900.00}, I had already paid the {$900.00} the time I was moving out of the apartment. Then they said the {$900.00} was for the carpet repair, it is impossible as I had already cleaned the carpets myself and paid someone to do that. I DO NOT owe this debt.