davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

XXXX and TransUnion are reporting an installment account with XXXX XXXX as a Joint contractual liability, I do not know what this account is nor did I ever sign any documentation with this company. I have disputed it several times and as you can see the credit reporting agencies just writes in the comments " customer disputes but resolved '' this issue was never resolved? I received no validation documentation of what this is nor where my signature is nor that this account belongs to me, as it does not. If no proper support has been provided to the Credit Agency this accounts needs deleted from my account. Please see account comments listed on both XXXX and Transunion as a result of my disputes. Again, I received no validation documentation and have no clue how either company validated this debt as I have never heard of this company nor had any joint contractual liability in that time frame.
Consumer complaint received 2020-06-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I opened an account at Merrill XXXX which is a branch of Bank of America around XX/XX/2020. The account came with checks and debit cards but it is a brokerage account which I can trade and invest with. I have other active brokers, all which have an 5 business day hold on checks as standard. 

On XX/XX/2020 I ACH transfered {$100.00} from my local XXXX checking account. 
On XX/XX/2020 I deposited a check for the amount of {$2100.00} drafted on a Bank of America business account, made payable to my name. 

After XX/XX/XXXX, I tended to log on each day to check out the interface and features of the Merrill website. My {$100.00} transfer was available to tradewithdrawal immediately. The check sat on an standard deposit hold. 

On XX/XX/2020 the day the check should have cleared, I was unable to log in website. I was unable to see my balance, access my cleared ACH deposit, or the check in question. When speaking with the customer service rep. He stated that my account was currently under review. When I ask how long it would take, he could not give me a finite date. He offered me the option to place a trade, at which I thought, I do not not want to pay a {$29.00} broker fee to place an over the phone trade. I just want access to my money. In lieu of the review I requested that the account just be closed. At this point I am frustrated and just want my money as soon as possible. 

There is no reason I should not access to money which cleared ACH two weeks prior and check drafted against the same bank which is not on hold. 

I don't think it is fair that they can cut off your online access to your account, in addition to hold money because they feel the need to review the account. I need my money now, and I don't want this process to drag out 90 days before they realize their mistake. If the want to put a hold on check, they should tell me that but still give me access to the rest of the money in my account.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

" I am composing this letter to formally file a complaint about the inaccurate personal information that appears on my credit report. I discovered confidential information that does not belong to me while reviewing my credit report, including [ specific details such as an incorrect name, address, and Social Security number ]. I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies, as this erroneous information may have a detrimental impact on my creditworthiness and financial standing. Your immediate attention to this matter is greatly valued, and I am in anticipation of a prompt resolution to guarantee the accuracy and integrity of my credit report. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. ''
Consumer complaint received 2024-07-19
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. (AZ)

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX 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 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 are 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 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 2024-10-22
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. (FL)

I submitted a XXXX XXXX dispute. I am a victim of XXXX. The adverse information, which appears on my credit report, is the result of that XXXX. I asked XXXX to please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. XXXX did not block or remove the adverse information. I submitted all required documents.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MO)

Subject : Dispute and Request to Update Personal Information Dear : I am writing to dispute and request an update on my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 
Please find below the specific details of the incorrect or outdated information : My current legal name is XXXX XXXX XXXX My address is : XXXX XXXX XXXX XXXX XXXX, MO, XXXX I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.
Consumer complaint received 2024-07-19
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)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I disputed information that is on my Experian credit report on XX/XX/year> on XX/XX/year> Experian sent me a email stating that I didn't send them the correct documents I believe this was a stall letter trying to discourage me from disputing information on my credit file. in my letter that I sent to them was a copy of my DRIVERS LICENSE, SOCIAL SECURITY CARD AND MY UTILITY BILL. I also stated in the letter what was incorrect and what I was disputing. attached is the letter I sent and also the documents I sent
Consumer complaint received 2024-10-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (GA)

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Disputing Information in Credit Report I am writing to dispute the following information that your company supplied to XXXX, XXXX and XXXX. I have circled the items I dispute on the attached copy of my credit report ( XXXX ). 

This item MIDLAND CREDIT MANAGEMENT INC # XXXX is inaccurate because in account is no longer open or active. I am requesting that MIDLAND CREDIT MANAGEMENT INC have the item removed.

Enclosed are copies of my credit reports supporting my request. Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed item ( s ) as soon as possible. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I cant get approved for any loans, apartments, or anything else because Experian is reporting inaccurate and incomplete information.For XXXX XXXX XXXX XXXX account they are reporting it was opened in XX/XX/XXXX but have no data available for payment history until XX/XX/XXXX XXXX can not determine anything when they dont even have certain data available.They are saying I received a loan but have no data for how long the loan term was allegedly for or how much the payment for the alleged loan was.The balance is also incorrect since XXXX XXXX XXXX never loaned me anything.For another XXXX XXXX XXXX account they are reporting that i was 30 days late for 3 months in a row XX/XX/XXXX to XX/XX/XXXX. I cant be 30 days late in XXXX if I was already allegedly 30 days late by XXXX they are reporting I was 60 days late in XX/XX/XXXX. I cant be 60 days late in XX/XX/XXXX if I was already allegedly 30 days late 90 days before in XXXX XXXX they have no payment history available since XX/XX/XXXX but have the account status as past due as of XX/XX/XXXX. They cant determine anything when they dont even have all the data available.For a XXXX XXXX XXXX account they are reporting an inaccurate balance. they cant say what the balance is when they have no payment data available since XXXX. The account status and balance hasnt been updated in 2 years since XXXX. This account is incomplete and has no updated history. For a XXXX credit account they are reporting inaccurate and incomplete balances. It says amount written off is {$25000.00}, amount past due is {$27000.00}, and the original balance is XXXX. Those are XXXX different amounts.They are saying I received an auto loan but have no data available for the monthly payments, they cant even tell me how much my month payment was for this alleged loan .They are also saying I received an auto loan which is wrong .They are reporting an XXXX XXXXXXXX collections account that is not mines. I have no contract with my name and XXXX XXXX. I have never received anything from XXXXXXXX XXXX and I dont owe them anything. I have no documentation bearing my signature between me and XXXX XXXX. I never gave XXXX XXXX my consent to even furnish my private nonpublic financial information.obtaining my information under false pretenses is aggravated identity theft. They are reporting a XXXX XXXX XXXX collections account that is not mines. I have no contract with my name and XXXX XXXX XXXX. I have never received anything from XXXX XXXX XXXX and I dont owe them anything. I have no documentation bearing my signature between me and XXXX XXXX XXXX. I never gave XXXX XXXX XXXX my consent to even furnish my private nonpublic financial information.obtaining my information under false pretenses is aggravated identity theft. You will remove these accounts or I will sue you for violating the FCRA .This is harassment and abuse, EXTORTION, DEFAMATION of character and a breach of privacy.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

I am here to dispute a credit line caused by fraud, i was financially scammed. I reported to all XXXX  credit bureaus but nothing has changed. According to 15. U.S.C. 1681 i-5by law you are obligated to re investigate this inaccurate account.Please remove this inaccurate information.Thank you.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My account with ( XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 in ( MONTHS REPORTING 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

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

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2020-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Someone from my household bought an item on XXXX with my card accidentally instead of using theirs. I filed a claim with the bank on XX/XX/XXXX and they told me that its fine and they let it go through and refunded me on XX/XX/XXXX. On XX/XX/XXXX the bank rebilled me. I tracked down the item from my household member who had left the box unopened since it was in my name. I got a return slip form the merchant and returned the item. I emailed the merchant when 2 weeks since the item was delivered had passed and asked them where my refund was. They said that they refunded me on XX/XX/XXXX and to take it up with my bank. I called my bank again on XX/XX/XXXX telling them what had happened and they asked me to upload all the documentation on an update link they had sent me which I did about half hour after I got the link. They said they would review it. Today XX/XX/XXXX I got a letter in the mail saying they denied my claim because it had been 60 days already which they had mailed out on XX/XX/XXXX. I called them to ask why send me a link to upload documents and then sent my claim on the same day not even having reviewed the documents they asked me to upload. I was on the phone with them for almost 2 hours and they denied me claim anyways. I have multiple emails from the merchant saying they refunded me and to take it up with my bank. I have the shipping confirmation that the return was dropped off and they still havent dropped the rebill. The item was {$280.00} so its a substantial amount. I now have lost about {$300.00} and I have no item since it was returned. I pay this bank {$100.00} annually so they protect my interests and they have robbed me of {$300.00}. I don't understand if they don't find it a valid claim then they could withdraw it or never accept it as a valid claim anyways. Now the merchant is been paid and they thing they refunded me when the bank is not accepting the claim. This is a complete abuse.
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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. 
XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX  Account # XXXX The above accounts have violated my rights according to 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) .A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report. The attached shows the inaccuracies. This needs to be removed immediately.
Consumer complaint received 2024-07-19
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. (CA)

I HAVE BEEN A VICTIM OF IDENTITY THEFT. MY INFORMATION WAS RELEASED TO THE PUBLIC VIA THE XXXX, XXXX, AND EXPERIAN XXXX BREACHES AND SOMEONE WAS SUCCESSFUL IN OPENING UP ACCOUNTS WITHOUT MY CONSENT AND AUTHORIZATION. I NEED THESE ACCOUNTS REMOVED AND DELETED FROM MY CREDIT FILE IMMEDIATELY BECAUSE THIS IS SEVERELY HURTING MY REPUTATION WITH THE BANKING SYSTEM. IM STRESSED AND DEPRESSED AND I WAS TOLD TO SUBMIT A POLICE REPORT AND A FTC REPORT IN WHICH WILL BE ATTACHED TO THE THIS COMPLAINT. I SENT IT IN TO THE BUREAUS MORE THAN 30 DAYS AGO BUT THEY JUST IGNORED ME. IT IS INDEED MYSELF MAKING THESE COMPLAINTS AND NOT A THIRD PARTY AND THIS WAS NOT DONE IN ERROR. IT IS THE LAW TO HAVE SAID UNAUTHORIZED ACCOUNTS AND INQUIRIES REMOVED FROM MY REPORTS 4 DAYS AFTER RECEIPT AND THE CONSUMER REPORTING AGENCIES ARE BREAKING THE LAW
Consumer complaint received 2024-07-19
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)

Method of verification FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY I request an immediate response of the verification source of information used in order to return " verified '' response to the last CFPB complaints filed with each credit bureau. Under the FCRA 611 ( 15 U.S.C. 1681I ). I demand to receive from Experian, XXXX, and XXXX the source of verification used by these companies, or delete all those contested items from the credit report. Otherwise, these companies will have to compensate for all the denials attributable to the contested items in question for willful noncompliance and negligent noncompliance with the FCRA.
Consumer complaint received 2024-07-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (OH)

I have been requesting Debt validation from this furnisher for couple years and I have not received a response but continuously update the account on my credit reports. They have no valid information for this debt but continuously request and report damaging my credit profile.