davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-18
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)

I looked over my consumer report again and they put XXXX XXXXXXXX XXXX XXXX back o my report with inaccurate information XXXX XXXX XXXXXXXX it been removed and out ban my report thats against the law. 


15 U.S. Code 1666d - Treatment of credit balances Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number. 
Please pay this XXXX XXXXXXXX account in full or permanently remove from my consumer report 15 U.S. Code 1601- Congressional finding and declaration of purpose ( a ) Informed use of credit The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section.
Consumer complaint received 2024-10-16
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: EQUIFAX, INC. ()

On XXXXXXXX XXXX XXXX, I sent a letter to Equifax Information Services, LLC, XXXX XXXX XXXX, XXXX, GA XXXX informing them that my mother had died and requested a Death Notice be placed on her account so that no one could get credit in her name or steal her identity and to notify the other credit bureaus to do likewise. I sent the letter to the address in their recorded message for requesting a Death Notice, and included all requested information ( my mother 's name, Social Security number, Date of Birth, Date of Death, and last address ) along with an original Death Certificate. I explained that since my mother did not own any real property that her Will was not probated and therefore I did not have Letters Testamentary. 

I received a reply from Equifax on XXXXXXXX XXXX XXXX requesting that I send the Death Certificate to Equifax Information Services at XXXX XXXX XXXX, XXXX, GA XXXX. 

I sent another letter to Equifax Information Services at XXXX XXXX XXXX, XXXX, GA XXXX on XXXX XXXX, 2024, requesting that they place a Death Notice on my mother 's account and included another original Death Certificate. 

I received a reply dated XXXX XXXX, XXXX  stating that in order to add a Death Notice, to send a Death Certificate to Equifax at XXXX XXXX XXXX, XXXX, GA XXXX ( which I had already done on XXXXXXXX XXXX XXXX XXXX. 

On XX/XX/scrub>XXXX XXXX XXXX I called Equifax at XXXX ( the phone number in their letters to me ) and spoke with XXXX who told me to send a Death Certificate to Equifax at XXXX XXXX XXXX, XXXX, GA XXXX. I explained that I had already done so on XXXXXXXX XXXX XXXX XXXXXXXX was not able to help me resolve this.
Consumer complaint received 2024-10-07
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)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX  XXXX/XXXX/2022 XXXX  XXXX/XXXX/2022
Consumer complaint received 2023-09-20
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Debt Mediation, Inc. (FL)

I have disputed this with XXXX over 3 times last time i disputed on XX/XX/23 I sent in all my rental receipts stating t I don't owe the company. This is double jeopardy .them asking me to pay something that was already paid before it even went to collections. The company even cashed the checks and I provided them with the proof.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.
Consumer complaint received 2024-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (MA)

I reported a {$160.00} theft, by Amex customer service, it was supposed to be returned on my most recent statement ( XX/XX/year> ) and the amount stolen was not. Requested the following action : " Retain this thread, it is going to your internal audit. '' A report was sent to them via the Amex ethics hotline, with the following details about the response. 

XXXX Individuals Responsibilities Any individual who suspects a serious breach of Company policy or the law has occurred should report it immediately to his/her leader, and it is expected that most issues are to be resolved appropriately through this channel. If it is impractical or inappropriate for the individual to notify their immediate supervisor, the individual may contact any of the following : the XXXX, XXXX XXXX XXXX ( XXXX ), XXXX XXXX, Compliance, the XXXX XXXX XXXX ( XXXX ), or the Amex XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Although the Amex XXXX Hotline provides for anonymous reporting, the Company encourages individuals who wish to report potential wrongdoing to identify themselves through whatever channel they contact, and to provide only objective factual evidence to support their allegations. Regardless of what channel is notified of the allegations, the name of the whistleblower may not be disclosed to the target ( XXXX ) in any jurisdiction that prohibits such a disclosure.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

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. 

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (WV)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me XXXX XXXX Balance {$2400.00} XXXX  XXXX XXXX Balance {$1100.00} XXXX XXXX XXXX Balance {$590.00}
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

For MANY YEARS we have been borrowing $ & PAYING IT OFF ON TIME OR EARLY, MOSTLY WITH CREDIT CARDS ... OUR CREDIT SCORE SCORE WAS, UNTIL RECENTLY XXXX .... & WE HAD A REVERSE MORTGAGE ON OUR {$240000.00} HOME & LAND..SINCE XXXX WE'VE HAD GREAT CREDIT WITH SEVERAL CREDIT CARDS FOR YEARS ... THEY CONSTANTLY MAIL US OFFERS OF " 0 PERCENT " SHORT TERM LOANS e.g. {$4000.00} for 12 months + very small UPFRONT FEE, like 3-4 %... SO WE WOULD PAYBACK FEE $ XXXX & {$4000.00} = {$4100.00} TOTAL FOR YEARS! IT IS LIKE FREE FREE LOANS!!! SOMETIMES WE TAKE ADVANTAGE OF THIS TO BUILD UP OUR RENTAL HOUSE BUSINESS..OUR CREDIT CARD COMPANIES NEVER EVER COMPLAINED! NOW, THIS YEAR XXXX WE ARE TRYING TO GET A CONVENTIONAL HOME LOAN $ XXXX TO PAY OFF THE REVERSE MORTGAGE! WE GROSS ABOUT {$33000.00} A YEAR. EVERY LOAN APPLICATION HAS BEEN TURNED DOWN BY SEVERAL LENDERS, BASED ON OUT CREDIT REPORTS ..WHICH ARE LOADED WITH ERRORS!!! WE ONLY HAVE 2 CREDIT CARDS & WE ONLY ONLY USE ONE! WE CLOSED ALL THE OTHER ACCOUNTS EARLIER THIS YEAR! THEY SAY ALL KINDS OF LIES ABOUT ON OUR CREDIT REPORTS!!!! " INSUFFICIENT LIQUID ASSETS ... .DEBT TO INCOME RATIO ... .LACK OF RECENT INSTALLMENT INFORMATION ... .TOO FEW ACCOUNTS CURRENTLY PAID AS AGREED ... .TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT... .RATIO OF BALANCE TO LIMIT ON BANK REVOLVING OR OTHER REV ACCTS TOO HIGH ... .IM XXXX XXXX XXXX ... IVE BEEN IN HOME CONSTRUCTION FOR MANY YEARS!!! I BUILT MY XXXX XXXXXXXX XXXX ON MY XXXX ACRES IN ABOUT XXXX ....! MY ELECTRIC BILL IS {$20.00} A MONTH, YEAR ROUND, FOR MANY YEARS & I HAVE ALL THE ELECTRIC BILLS TO PROVE IT!!! & MUCH MORE! THANK YOU FOR HELPING US!!! WE ARE TRUE PATRIOTIC AMERICANS!
Consumer complaint received 2023-06-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

On this date, I received an email from PayPal to verify that the funds requested. I signed on immediately to " deny/decline '' and then it said to contact PayPal. I did. I went through the recording, and selected " unauthorized '' - I received an agent who I could barely understand. He said my PayPal account was hacked. He tried to download software as part of the process and when I asked to explain, he got upset. He wanted to my check my account to see it was charged and I was not about to check any accounts while I was online and then run a virus/security check. He kept pushing me to do it. He yelled at me. I told him I feel like he was part of a scam and hang up. I accessed from different browser and device - called - same argumentative demeaning people. So I tried their chatbot. It does appear that the charge was declined and not charged to my associated account. I then tried to close my account and they keep stonewalling me. Someone deposited {$5.00} and it says I need to claim but to do that, I need associate an account ( I deleted them ). I am not going to do that knowing my account was hacked and give hackers info to other accounts. The staff got really upset and rude. It looks like my account was not charged for the erroneous charges ( the one that was attached to my PayPal ) - I just want to close my account and they won't let me.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-07-29
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Neon Newco Corporation (TX)

This is the 3rd prepaid card sent to me unsolicited with my name preprinted on it. The documents contained in the envelope states it's ready for activation. I have called NetSpend multiple times requesting my name and information be removed from their system. I expressed my desire to opt out of future solicitations. The rep confirmed I would no longer be receiving these cards. On XXXX I received another prepaid card with account number listed and name printed on card.
Consumer complaint received 2023-10-28
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (MA)

In XX/XX/XXXX, I got an unsolicited mailing from American Express inviting me to open a new credit card account, with a promotional offer of {$350.00} after spending {$3000.00}. I opened a new account ( ending in XXXX ), spent the required amount, and qualified for & received that offer. I paid all my balances on time. In XX/XX/XXXX, I called to close my account because I was going to go do volunteer work in a country in the XXXX XXXX where AmEx is not used. The customer service agent closed my account as requested. I specifically asked if there were going to be any other charges or fees incurred, and they said no. Then on XX/XX/XXXX, I receive an email from AmEx saying my XX/XX/XXXX statement is due on XX/XX/XXXX for {$280.00}! I thought someone may have stolen my card or something. I called AmEx and they said that because I closed the account less than 12 month after opening, the promotional offer was revered! Yet, the customer service specialist I spoke with gave me no indication of that possibility at the time of account closure. Otherwise. I would have chosen not to close the account! 
Since then, I have called AmEx numerous times to try to resolve this, to no avail. No apology for the confusion, no courtesy discount or credit. 
This feels really unfair and almost exploitative. I am also currently unemployed and am taking care of my elderly parents. On top of that, my good credit score has been impacted by this. Please help!
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

My account with Experian was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 2024-09-18
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 have repeatedly and diligently tried to correct inaccuracies in my credit report. Regardless, Experian refused to remove the account status as closed. This debt has changed hands several times : from XXXX XXXX XXXX to XXXX XXXX, XXXX, and now to XXXX XXXX XXXX XXXX XXXX XXXX 

To handle the situation formally, I filed a complaint with the Consumer Financial Protection Bureau. Both collectors marked the case closed after my complaint, and neither of them did anything more regarding that issue. However, Experian continued to maintain this bad listing on my report. It is to be recalled that the FCRA bestowed certain rights upon the consumers ; one such right is that when a debt is sold, the original creditor ceases to own or have any valid claim to such debt. It is in this regard that the account by XXXX XXXX XXXX shall be deemed invalid and removed from my credit report. 

Aside from the fact that this condition is weakening my financial status, it has also brought about a very valid and serious question of compliance with federal regulations that are put in place to protect consumers against such discrepancies. That this has not been addressed by Experian so far is a source of personal frustration.
Consumer complaint received 2023-10-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MI)

I sent the company a certified letter requesting them to validate the debt they are reporting to the credit agencies. I asked them to respond within 30 days and they sent a response, but they did not officially validate the debt by providing all of the requested items in the validation letter sent. After the 30 days, I sent another letter via certified mail asking for the company to delete all references to the account from my profile within 15 days. I also sent them their violations of the Fair Debt Collection Practices Act listed in their response items. Both letters were delivered to the company, and I have a copy of the return receipts and tracking numbers. I also included a notarized affidavit of the violations as well as an invoice for the cost of the harm caused by their violations. 


Tracking number for 1st letter : USPS XXXX Tracking number for 2nd letter : USPS XXXX
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) THAT YOU, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX in XX/XX/XXXX under the account number ( XXXX ), in the sum of {$0.00}. account opened at XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX under the account ( XXXX ) in the sum of {$150.00}. A service XXXX account opened XXXX under the account number ( XXXX ) in the sum of {$0.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent addresses appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, addresses, or hard inquiries as reported. The aforementioned accounts, addresses, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, addresses, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, addresses and hard inquiries are the result of identity theft and fraud. list of inquiries in question :