davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-24
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. (GA)

XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Subject : REQUEST LETTER TO REMOVE INACCURATE LATE PAYMENTS To Whom It May Concern, Upon reviewing my consumer report, I discovered an account that is reporting inaccurately. I have a late payment showing 30 days late on an account that was paid on time. XXXX XXXX  XXXX is in direct violation of my consumer rights reporting inaccuracies of late payments on an account where payments were paid on time. According to the Federal Credit Rights Act FCRA 15 U.S.C Code 1681e ( b ) ACCURACY OF REPORT- 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. As a consumer reporting agency 15 U.S.C 1681a ( f ), you are governed by the Fair Credit Reporting Act FCRA. 15 U.S.C 1681, which protects consumers from inaccurate, outdated, or invalidated information reporting on their consumer report. According to the FCRA it is the consumer reporting agencys responsibility to ensure that all information contained within our consumer files are accurate and free of errors. 

I have never missed a payment on the following account : XXXX XXXX XXXXXXXX Account Number XXXX shows 30 days past due as of XX/XX/XXXX. I have attached a copy of my consumer report to this complaint on XX/XX/XXXX. 

I request you thoroughly investigate the inaccuracies of late payments and urge you to provide evidence demonstrating the lateness of payments. If you are unable to furnish such proof, I demand the 30 days late payments be promptly removed and updated to reflect their true status as on-time, paid as agreed, never late as I have consistently upheld my payment obligations without delay. 
Upon completion of your investigation, I would like to request a detailed description of the procedures used to determine the accuracy of the account that I am disputing. 

For verification purposes I have enclosed a photo copy of my official state issued drivers license and my social security card to validate my identity clearly shown below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Phone Number : XXXX Email : XXXX Thank you for your assistance in this matter. 

Best Regards, XXXX XXXX
Consumer complaint received 2024-11-14
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Thomas George Associates, Ltd. (FL)

Got a letter in the mail of a supposed debt collection agency accusing me of owing them money. I do not know who they are and will not respond unless required by law or court to do so. I am not aware of any of the parties on the letter so Im assuming it to be fraud. I also searched Thomas George Associates Ltd. on XXXX and many people said similar things to my current situation. They have horrible reviews and a lot of people are not happy.
Consumer complaint received 2024-11-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (TX)

It is showing on my credit report that I have had a credit card with CitiCard CNBA since XXXX of XXXX. However, I wouldn't have even been XXXX XXXX XXXX yet, so obviously I did not take out a credit card. This is affecting my credit score. I have tried calling their customer service, but it has proved ineffective, considering they want me to provide account or card information which I obviously do not have. I need this issue resolved as soon as possible, and they arent being helpful whatsoever.
Consumer complaint received 2024-11-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I've been trying to apply for a XXXX XXXX credit card for over a year and was denied for the second time recently so decided to take a look into why, since my credit score is good and have had no issues regarding my credit. When they sent the letter describing the reasons why it only listed " length of credit history ''. This did not make sense since I have had my credit opened for a while now. So decided to call the credit bureaue 's as instructed on the letter and did not receive any substancial information from XXXX or XXXX but when I called TransUnion they informed me that they had no information on their end regarding any credit, basically to them it was as if I had not credit at all. I let them know that I have had my XXXX account open and active for quite some time now and that doesnt make sense but they contiously stated that there was no information and to contact XXXX XXXX So then proceeded to call XXXX and they told me that they have been reporting my information to TransUnion. I ended up going back and forth with XXXX and TransUnion numerous times over the course of a week but not really getting anywhere as one is contradicting the other. I also decided to get my credit reports on my own from XXXX to see for myself what they had, and XXXX XXXX XXXX both had a good amount of information regarding my credit history but TransUnion did not have anything at all. So just want to be able to have it so that TransUnion has all of my information reported to them like XXXX XXXX XXXX I think that is the reason I keep getting denied credit at other lenders. Which would explain the " length of credit history '' being the sole reason for denial, even though I have had my XXXX account for some time now.
Consumer complaint received 2024-11-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CA)

On XX/XX/year> I was logged into my XXXX XXXX account and purchasing two tickets. At check out, I was given the opportunity to apply for the Citi AAdvantage Credit Card with the offer being XXXX miles after spending {$3500.00} w/i the first 4 months, a {$200.00} statement credit for XXXXXXXX XXXX purchases made in the first 6 months and no annual fee the first year ( {$99.00} thereafter ). 
Since my ticket was just shy of {$3500.00}, and this is a great mileage reward, I decided to apply for, and was approved for, the credit card, which I used at checkout. 
I then used my card for various other small purchases to achieve the {$3500.00} needed. I watched my account, but was never given any more than XXXX reward miles. I inquired with Customer Service, only to be told that I must provide a screenshot of the offer, and that it must have my name on it. I explained that I did not take a screenshot at the time of applying, as I had no reason to suspect they would not honor their offer. They gave me an email to submit any evidence to, and said I would hear back in 7-10 business days. I waited, and after I did not hear anything, I inquired with Customer Service again. I was told that I was given the wrong email address, and was provided with a different one. 
I did a XXXX XXXX of the offer, took a screenshot of what I found, and provided that, as well as a very detailed explanation to the new email address. I received a letter back stating that I was only being given the normal promo for XXXX miles. 
I called Customer Service AGAIN to explain everything that had happened, and ask why they were not honoring the offer I applied to, and was approved for. They said they do not honor promotional offers unless it is a personal letter sent directly to me, and that I would have to prove to them that I received such letter. 
This is not only false advertising, but fraud. They gave me a personalized offer on the XXXX XXXX website, as I was logged into my personal account. This offer was the only reason I applied. They are now refusing to honor the contracted offer they gave me. After doing some research, I am finding that this is a common occurrence with Citibank.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I have tried multiple times to fix this issue With This consumer reporting agency because my name is spelt incorrectly, multiple times on my credit report. There are multiple variations of my name that are inaccurate. I only have one name. 
My name is : XXXX XXXX XXXX I WANT ALL VARIATIONS OF MY NAME, OTHER THAN THE ONE LISTED ABOVE REMOVED FROM MY CREDIT REPORT IMMEDIATELY BECAUSE IT IS DAMAGING MY ABILITY TO OPEN AN ACCOUNTS
Consumer complaint received 2022-10-29
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)

I XXXX XXXX is a victim of identity theft and fraud. EXPERIAN IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3rd ATTEMPT WRITING EXPERIAN ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Consumer complaint received 2024-07-24
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. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/year> but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$200.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-07-24
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. (GA)

There are certain accounts that have been reported inaccurately on my credit report. These inaccuracies are significantly impacting my credit score, causing it to decrease. It is crucial that immediate action is taken to address this issue. I kindly request that these inaccuracies be promptly blocked, removed, or corrected through appropriate measures. This is essential to ensure the accuracy of my credit profile and to prevent any further negative consequences on my financial standing.
Consumer complaint received 2024-08-29
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: EQUIFAX, INC. (NY)

RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).
Consumer complaint received 2024-07-24
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)

My account with XXXX XXXXXXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX XXXX, XXXXXXXX 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 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 months that reported late 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 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 2024-07-24
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. (FL)

To Whom It May Concern, I am writing to file a formal complaint and dispute regarding the inadequate response received from Experian concerning my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX, with reference number XXXX. 
Account Details : ** Account Holder : ** XXXX XXXX XXXX XXXX Account : ** XXXX Account Number : ** XXXX Date of Reported Late Payment : ** XX/XX/XXXX On XX/XX/XXXX, I received a response from Experian merely validating the late payment without providing a detailed description of the verification process. This response is wholly inadequate and fails to meet the requirements set forth by the Fair Credit Reporting Act ( FCRA ). 

Violation of FCRA Provisions : ** As outlined in 15 U.S.C. 1681 and specifically under 15 U.S.C. 1681i, consumers have the right to dispute inaccurate information on their credit reports. According to 15 U.S.C. 1681s-2 ( a ) ( 1 ), creditors and credit reporting agencies are mandated to report information accurately and completely. Experian 's failure to provide a comprehensive verification process description is a clear violation of these statutes. 

Furthermore, the account in question should reflect its accurate status as " Paid As Agreed, Never Late '' ( PAANL ). Experian 's failure to correct this error after my initial dispute constitutes non-compliance with the FCRA.
Consumer complaint received 2024-07-27
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. (FL)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-07-24
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. (FL)

To Whom It May Concern, I am writing to file a formal complaint and dispute regarding the inadequate response received from Experian concerning my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX, with reference number XXXX. 
Account Details : ** Account Holder : ** XXXX XXXX XXXX XXXX Account : ** XXXX Account Number : ** XXXX Date of Reported Late Payment : ** XX/XX/XXXX On XX/XX/XXXX, I received a response from Experian merely validating the late payment without providing a detailed description of the verification process. This response is wholly inadequate and fails to meet the requirements set forth by the Fair Credit Reporting Act ( FCRA ).

Violation of FCRA Provisions : ** As outlined in 15 U.S.C. 1681 and specifically under 15 U.S.C. 1681i, consumers have the right to dispute inaccurate information on their credit reports. According to 15 U.S.C. 1681s-2 ( a ) ( 1 ), creditors and credit reporting agencies are mandated to report information accurately and completely. Experian 's failure to provide a comprehensive verification process description is a clear violation of these statutes.

Furthermore, the account in question should reflect its accurate status as " Paid As Agreed, Never Late '' ( PAANL ). Experian 's failure to correct this error after my initial dispute constitutes non-compliance with the FCRA.
Consumer complaint received 2024-11-15
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: Credit Technologies, Inc. (CA)

On XX/XX/year>, Credit Technologies reported a hard inquiry on all three credit bureaus without my consent. I have contacted Credit Technologies and was directed to contact the credit bureaus to dispute the inquiry. I sent a letter via certified mail to all three consumer credit bureaus asking to delete the inquiry more than 45 days ago without a successful outcome. I called all three credit bureaus after an unsuccessful deletion of the account and was directed to fill out and submit a CFPB report.
Consumer complaint received 2024-11-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (RI)

On XX/XX/year>, I received an alert on my phone about a collection being added to my consumer report by a company named XXXX XXXX XXXX for a sum of {$750.00}. This company never contacted me by phone or through mail correspondence and took it upon themselves to report this collection on my consumer report. I called both XXXX and XXXX XXXX XXXX to make them aware that this collection is NOT mine and that I disputed it before with the previous debt collection company named NATIONAL RECOVERY AGENCY, who I sued and won and I sent them proof that I never lived at the address where the debt originated from. I had a Fraud Alert for XXXX  years on my consumer report during this time and yet they still have not removed the collection.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Eastern Account Systems of Connecticut, Inc. (OH)

I do not know who this company is. I have had utility bills opened in my name before from Connecticut and this seems to be the same thing happening. 
I have never had this utility bill. It has never been validated.
Consumer complaint received 2024-07-24
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. (TX)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-24
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. (DE)

I checked my credit report this morning and I saw that there were inaccurate accounts. I tried logging in and logging out of my account, but when I logged in again, the inaccurate accounts were still there. I have no idea why those showed up on my credit report but I do know that I want them removed, so please thoroughly look at the documents I've sent.
Consumer complaint received 2024-07-24
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: Experian Information Solutions Inc. (VA)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX XXXX XXXX XXXX XXXX