davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-28
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)

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate. 

I request that the following actions be taken immediately : Investigation of the mentioned violations. 
Removal of the unauthorized accounts from my credit report.

Exclusion of any obsolete information in compliance with 15 USC 1681c ( a ) ( 5 ).

Correction of any inaccurate information in accordance with 15 USC 1681s-2 ( a ) ( 1 ).

Notification of the correction to any person who has received my credit report in the past six months.
Consumer complaint received 2024-09-28
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. (TN)

The IRS clearly defines a charge-off as Gross or Ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes reporting this account inaccurate! By Definition, the IRS clearly says a Cancelled debt or charge-off is Income. The account number XXXX has been charged off, but Experian is still reporting this earned income on the consumer report. XXXX has not sent a 1099c for the charged-off amount either.
Consumer complaint received 2024-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRST CITIZENS BANCSHARES, INC. (NC)

First Citizens Bank has illegally withheld funds after the closing of my account. My account was closed because I informed them of an employee who was illegally changing my address.

First Citizens owes me money from a refund.

I have requested to speak with a member of leadership to arrange to obtain my funds. First Citizens Bank is refusing to have someone from leadership call me to make arrangements for my funds.

First Citizens Bank has failed to add the interest to the funds they illegally withheld.
Consumer complaint received 2024-09-28
Product: Credit card — General-purpose credit card or charge card
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 : Formal Complaint Regarding Inaccuracies in Credit Reporting by Experian Dear Sir or Madam, I am reaching out to file a formal complaint concerning ongoing inaccuracies in my credit report managed by Experian. Despite previous attempts to correct these errors through direct disputes, the inaccuracies persist, detrimentally affecting my credit score and overall financial standing. 

Details of the Dispute : XXXX Credit Card Account # XXXX : Status : Noted as " Discharged through Bankruptcy XXXX  XXXX '' in XX/XX/XXXX. 
Issue : The report incorrectly shows a charge-off in XX/XX/XXXX. Post-bankruptcy, the account should only reflect the discharge status without any derogatory marks. 
Dispute History : A dispute filed in XX/XX/XXXX was processed, but no changes were made. 
XXXX Credit Card Account # XXXX : Status : Recorded as " Discharged through Bankruptcy XXXX  XXXX '' in XX/XX/XXXX. 
Issue : This account similarly shows an erroneous charge-off in XX/XX/XXXX. 
Dispute History : Despite disputing in XX/XX/XXXX, the inaccuracies remain uncorrected. 
XXXX XXXX  Account # XXXX : Status : Updated as " XXXX through Bankruptcy XXXX  XXXX '' in XX/XX/XXXX. 
Issue : While the status update appears correct, I request verification that no post-discharge negative marks have been reported. 
Dispute History : This account was disputed and reportedly updated in XX/XX/XXXX ; further clarification on these updates and their adherence to discharge terms is necessary. 
Requested Actions : Review and Correction : I urge a comprehensive review and correction of these discrepancies. The records should unequivocally reflect " Discharged through Bankruptcy XXXX XXXX '' without subsequent derogatory marks. 
Documentation and Confirmation : I request that Experian provide updated documentation reflecting these corrections, along with a detailed report on the remedial actions undertaken. 
Compliance Check : I implore the CFPB to ensure Experian 's adherence to the Fair Credit Reporting Act ( FCRA ) and other pertinent consumer protection laws in accurately updating and maintaining credit report information. 
Enclosed are copies of supporting documents, including bankruptcy discharge paperwork, previous dispute correspondences, and credit report excerpts highlighting the discrepancies. 

Thank you for addressing this critical issue. I look forward to your swift response and assistance in resolving these inaccuracies. 

Sincerely,
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (PA)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-09-28
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. (VA)

I had been a customer for 20 years. XXXX XXXX  is in decline dramatically. They messed my furniture order during packaging. It took 2 months to have it corrected. I have records of talking to XXXX people both XXXX XXXX and XXXX XXXX XXXX within a month and recorded 9 hours of phone calls. I was refused to provide XXXX contact info. Many customer service agents said to me on record " our managers do not want to talk to any customers and force us to their jobs ''. They sometimes put me on hold for XXXX hour but could not find any manager. At times I provide my info for call back instead. Never once got a call in 2 months. 

i had made the whole payment before I was billed, before the delivery. Then XXXX XXXX XXXX XXXXXXXX XXXX XXXX lost my whole payments twice in a month. They instructed me stop payment twice. Then a day after, they found the checks. They got my 3rd online check from my bank, also XXXX XXXX. Still, they forced me to pay late fees and interest fees. When I disputed, I had all the bank info that I had paid on time fully, XXXX, rude supervisor, said he didn't care. He was belligerent, After I complained about him and closed my account due to despicable Customer Service with a credit hanging, they reported me to Credit Bureaus the next day. Yet, I still have a {$100.00} over payment to be refunded. Within a month!!! Others only report after 60 days, I am informed. That caused my credit score to be lowered XXXX points. It went from being excellent for years to good for the first time. And they took back all the points I had earned. 

I also wanted to end this drama after 3 months, I ended up getting a replacement furniture and kept both. I ended up paying double at the end. Consider all these frauds and the terrible customer service before opening an account from XXXX XXXX and buying anything. The next step is to file a fraud complaint.
Consumer complaint received 2024-09-28
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. (AZ)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-09-28
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. (AZ)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.
Consumer complaint received 2024-09-28
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Experian, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ). I put in a requested a description of the reinvestigation and they did not provide it to me which is a violation of 15 USC 1681 ( 7 ). I also have no association with these accounts you blatantly ignored my FTC report you are violating my federally consumer protected rights.

Under Section 15 USC 16811 ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Provide the description of the procedure of the investigation used to verify these accounts if you cant, delete the accounts immediately. Failure to do so will result in me contacting the attorney general and filing a law suit. 

15 USC 1681s-2 according to ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.

Also I got the investigation back but noticed some of the accounts were not modified or updated. According to 15 USC 1681 ( 5 ). 

These accounts are incomplete and not accurate. Not belonging to me. 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. 

Delete these accounts immediately because of violation of 15 USC 1681i ( a ) ( 1 ) ( A ), 15 USC 1681s-2, and 15 USC 1681 ( 7 ). Delete these accounts because they dont belong to me multiple violations. These accounts have violated my federally protected consumer rights. 

XXXX XXXX XXXX : XXXX CORRECT ALL PERSONAL INFORMATION YOU FAILED TO EVEN DO THAT LAST INVESTIGATION! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Yes it is me disputing no one is representing me at this time.
Consumer complaint received 2024-10-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Credit and Collections Inc. (TX)

NOTICE FOR REQUEST OF INFORMATION AND NOTICE TO CEASE AND DESIST INTENT TO SUE AND I WILL SUE AFFIANT/BENEFICIARY : XXXX : XXXX. 
DEFENDANT : UNITED CREDIT & COLLECTIONS INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : ALLEGED ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR ACCOUNT NUMBER : XXXX ALLEGED DEBT AMOUNT OR BALANCE {$390.00} CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX DEAR XXXX UNITED CREDIT & COLLECTIONS DEBT COLLECTOR STOP VIOLATING THE FDCPA USC 1692D EXHIBIT A1 : I AM UNAWARE OF THIS ALLEGED DEBT I DIDNT HAVE THE OPPORTUNITY TO DISPUTE THIS ALLEGED DEBT I DIDNT RECEIVE PROPER NOTIFICATION IF IN FACT YOU BELIEVE IVE RECEIVED PROPER NOTIFICATION, PLEASE PROVIDE THE CERTIFIED MAIL WITH RETURN RECEIPT WITH MY WET SIGNATURE STATING THAT IVE RECEIVED IT. 
ACCORDANCE TO 15 USC 1681s-2 ( a ) ( 7 ) A ( i ) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST. IF YOU CANT PROVIDE ME WITH THIS INFORMATION, PLEASE STOP HARRASSING THIS LIVING WOMAN I DIDNT GIVE CONSENT TO USE THIS NAME IN COMMERCE. SEND ONLY CERTIFIED MAIL WITH RETURN RECEIPT WITH MY SIGNATURE. PLEASE SEND DOCUMENTS FROM THE GRAND JURY AS WELL WHICH I ONLY RECOGNIZED COMMON LAW. 
EXHIBITA2 : I WAS MADE AWARE OF YOUR ATTEMPT TO COLLECT AND ALLEDGED DEBT AFTER I REVIEWED PUBLIC RECORDS. PLEASE BE THAT I HEREBY DISPUTE THE ABOVE-LISTED ALLEGED DEBT IN ITS ENTIRELY. YOU ARE ON NOTICE THAT YOU ARE UNLAWFULLY ATTEMPTING TO COLLECT THE ABOVE-LISTED ALLEGED DEBT. CEASE & DESIST ALL COLLECTION ACTIVITY, INCLUDING REPORTING TO CONSUMER REPORTING AGENCIES ( CRAs ) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST ABOVE IN EXHIBIT A1 AND IT DOSENT INCLUDE YOU FROM DELETING ALLEGED DEBT FROM MY CONSUMER REPORT. THIS LETTER IS EVIDENCE PROVIDED VIA TO THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ). THE CFPB IS AUTHORZED TO FULLY INVESTIGATE THIS MATTER AND RECEIVE ANY INFORMATION RELATED TO THERTO. BE ADVISED, IF YOU FAIL TO COMPLY WITH THIS LETTER, I MAY TURN THE MATTER OVER TO A CONSUMER ATTORNEY ALSO YOU MAYBE SUED BY THE CFPB. FOR TREBLE DAMAGES SINCERELY, XXXX XXXX XXXX XXXX Living Woman UCC1-308 WITHOUT PREJUDICE BENEFICARY OF acct # XXXX XXXX XXXX NOT THE TRUSTEE
Consumer complaint received 2024-09-28
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. (AZ)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-11-26
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (VA)

On XX/XX/XXXX 2024 Citi Card took a total balance payment of {$170.00} from my XXXX XXXX XXXX XXXX ( AFCU ) account electronically without my permission resulting in an XXXX overdraft fee of {$33.00}. I called XXXX and they said Citi Card did it electronically. Isnt it illegal to do that? I had to fill out a form from XXXX to get my money back. Then Citi Card charged me a {$30.00} return check fee. I called Citi Card on XX/XX/XXXX/24 and asked to speak to a manager and he said it was for a previous card that had been lost/stolen. I went into shock, couldnt speak, and he got off the phone. I then called Customer Service and a woman said I would have to wait until the {$30.00} pending return check fee posted before anything could be done so I waited until it posted on XX/XX/XXXX 2024. 

I called Customer Service on XX/XX/XXXX2024 and spoke to a woman who said wait three days for an investigation to complete. After three days and hearing nothing, I called back on XX/XX/XXXX 2024 and spoke to XXXX (? ) who said there had been no investigation and he said he waived the fee because of that. XXXX said it would take 2-5 business days for it to reflect on my account and I would receive a letter in the mail confirming the waived fee. It has been three days and the fee is still on my account. I need help getting away from this bank. They robbed me. I never pay them until the XXXX of each of the XXXX months I have had the card. I dont have the money on the XXXX to pay them. I paid {$170.00} on XX/XX/XXXX2024 with their telephone pay line but not the {$30.00} for the return check fee that I didnt authorize. I want it removed from my account and be rid of this financial institution. 

Emails of my Citi Card payments : Transactions Date Description Amount Running Balance Posted Total XX/XX/XXXX 2024 PAYMENT THANK YOU - {$170.00} {$30.00} XXXX XXXX, 2024 XXXX24 XXXX RTN R10-CUSTOMER ADVICS  {$170.00} {$200.00} XX/XX/XXXX2024 RETURN CHECK FEE - XXXX {$30.00} {$30.00} XX/XX/XXXX2024 ONLINE PAYMENT, THANK YOU - {$170.00} XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) Your statement is available online - make or XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) Your Citi card ( s ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) Citi Card XXXX ( card ending in XXXX ) XXXX XXXX XXXX XXXX XXXX my bank ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX VA XXXX XXXX XXXX
Consumer complaint received 2024-11-25
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (CO)

XX/XX/year> amount {$530.00}. They failed to notify me about a past due payment via email. I received no notifications through email during this time that I had payment due. I called several times to try and reason with them, also filed a complaint with all credit bureaus about this matter. Citi cards Costco failed to work with me and I paid the amount right away once i knew there was a balance. Inturn this issue dropped my credit score by XXXX points. 

In accordance with the fair credit report act this creditor Citi Bank Costco Credit Card this creditor has violated my rights. Under 15USC 1681 Section 602 states i have the right to privacy. 15USC 1681 section 604a section 2 it also states consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666B a creditor may not treat a payment on a account under an open consumer credit plan as late for any purpose.
Consumer complaint received 2024-08-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (GA)

Commencing on or about XX/XX/year>, I fell victim to a multi-layered scam operation run by XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Navy Federal Credit Union account to fraudulent investment firm ( s ). 

When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Navy Federal Credit Union did not take notice of COMPLAINT FOR DAMAGES AND OTHER RELIEF any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Navy Federal Credit Unions custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Navy Federal Credit Union promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether Navy Federal Credit Union was in compliance with its own policies and procedures ; ( v ) whether Navy Federal Credit Union owed duties to myself, what the scope of those duties was, and whether Navy Federal Credit Union did not uphold those duties ; ( vi ) whether Navy Federal Credit Unions conduct was unfair ; and ( vii ) whether Navy Federal Credit Union has within its power the ability to, and should, compensate me for the harm that has befallen me.