davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-08
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Big Picture Loans, LLC (FL)

I took out a payday loan several years ago through XXXX XXXX XXXX. During that time, things were fine, until I needed to change to a different bank account because I changed where my direct deposit was going. They told me that there was n't a problem, then they tried to take it out of the wrong bank! When that happened, everything went nuts and I had bounced checks going crazy on that account. This put me in a financial bind and I was not able to pay them, and I had to close out that account. That had to be at least 2-3 years ago. I received a phone call today at WORK ( I have told XXXX XXXX that they may NEVER call me there ) from XXXX at XXXX telling me that they were in the process of having me charged with defrauding the state of Florida and writing bad checks. Once this happened, I would be arrested at my place of employment! I told them that they could not call me there, but I would have my wife call them back. When she called them, they would n't give her any information. She wanted their correct name, mailing address, and fax number, but they refused to give it to her or even verify their correct business name. ( They answered the phone as XXXX, XXXX, and XXXX. ) On XXXX XXXX, 2017 I received a call from an unknown number. They left a voicemail threatening that they had my " name and social security number '' and were going to " proceed out to your job and residence to serve you to appear in court for pending litigation. '' And that I needed to make myself available within " the next few hours '' and to have a valid ID to complete the service. I have a copy of the voicemail available if needed. 

There is absolutely no court case against me. In the state of Florida, once the debt is sold, they are unable to sue. So, these threats that I am receiving on my wife 's phone and at work are illogical and illegal from what I understand. 

I filed the complaint against XXXX XXXX, but they stated that the debt was sold to a third party. So, obviously this third party is harassing and threatening us.
Consumer complaint received 2024-09-24
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. (FL)

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Consumer complaint received 2024-09-24
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. (SC)

( XXXX, XXXX ), ( XX/XX/XXXX ). This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) that you the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days you receiving this complaint. This fraudulent, inaccurate, and false information consists of an automobile account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account has resulted in several fraudulent hard inquiries and fraudulent collections that is " written off '' meaning paid with a 1099 C and company did not provide any documentation to consumer. Every month fraudulent company is reporting on consumer report which is illegal and has no permissible purpose. Fraudulent collection ( s ) appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, 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, collections and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-09-24
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. (FL)

This morning, I discovered unauthorized inquiries on my credit report, and I have no idea why. I checked it as usual, but this time, unexpected discrepancies appeared. I tried refreshing the page, hoping it was a glitch, but nothing changed. The unauthorized inquiries remained. I urgently request that you thoroughly review the documents Ive sent to resolve this issue so I can finally stop worrying about it.
Consumer complaint received 2016-04-05
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE (PA)

Two issues. 

1 : on my rewards credit card, I was not accruing points at the amount stated in contract. Took multiple requests for resolution and they only credited a portion. 

2 : when I attempted to redeem points, I could not do so online. Customer service advised that I call in to redeem XXXX points for a {$400.00} credit. I called in and rep messed up the transaction giving me a {$200.00} credit. I was promised a response after the case was opened and no one reached out. After repeated emails, and sharing stated terms of my contract, they will not credit me the {$200.00} difference.
Consumer complaint received 2022-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I mailed all three credit bureaus a letter disputing some inaccurate things on my credit report. It has been almost 70 days and I have not received a response. I understand that COVID has caused a lot of things to slow down, but this is a bit too long waiting for a response. Per FCRA they have to respond within 30 days and if no response or if they did not validate the account it must be removed. 

I sent in a letter for Equifax to investigate accounts listed on letter on XX/XX/13. 
I sent in another letter letting them know they never responded to my letter on XX/XX/13.
Consumer complaint received 2017-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

Just Pulled All of My Credit reports and they show a higher balance on  XXXX  and  XXXX  card I 'm on with my wife, impacting my score to a lower one. Since  XXXX   XXXX  I have Paid {$100.00} on the  XXXX  account that was previously {$510.00} high balance ( Now {$410.00} ) and my  XXXX   XXXX  which is reporting {$4700.00}, But should be {$3400.00} as I made {$1300.00} in total payments since  XXXX   XXXX , I have also made a {$67.00} payment to   XXXX   XXXX  . My  XXXX   XXXX  was also updated during this same time period.
Consumer complaint received 2023-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Accounts that are being challenged XXXX - XXXX XXXX - XXXX
Consumer complaint received 2024-09-24
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. (HI)

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I am writing to dispute inaccurate information that appears on my credit report. Upon review, I noticed several inconsistencies in the information provided for an account listed under my name. Specifically : The date the account was opened is incorrect. 
The date of last activity does not match my records. 
The last reported date is inaccurate. 
The balance listed is not accurate. 

These inaccuracies are adversely affecting my credit report. I request that you investigate these issues immediately and update the information to reflect the correct details. If you can not verify the accuracy of this account, I ask that you remove it from my credit report entirely. 

Please notify me of the results of your investigation at your earliest convenience.
Consumer complaint received 2023-05-05
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: EQUIFAX, INC. (CA)

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : 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  : 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 a account without my hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2024-09-24
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. (NY)

I hope this letter finds you well. I am writing to dispute fraudulent information on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that this information be blocked. The account entry in question resulted from identity theft, as I did not authorize the sharing of my non-public information. According to 15 U.S.C. 1681b, regarding the permissive purposes of consumer reports, I never provided written consent for you to report any of this information. Therefore, it is considered fraudulent.

Enclosed is a copy of my police report/FTC Identity Theft Report ( Report Number : XXXX ) to substantiate my claim of identity theft. As outlined in 15 U.S.C. 1681c-2, once a consumer submits an identity theft report, credit reporting agencies are required to block any disputed information resulting from identity theft within four business days.
Consumer complaint received 2024-09-24
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)

Consumer Name : XXXX XXXX XXXX, Consumer SSN : XXXX, Consumer XXXX : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C & 1681 c-2 ) that you, the Experian, XXXX and XXXX XXXX reporting agencies, 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 checking account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a student loan account opened at Department of EducationXXXX XXXX opened on XX/XX/XXXX under the account number XXXX, a credit account opened at Extra on XX/XX/XXXX under the account number XXXX XXXX XXXX These accounts have resulted in five fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Consumer complaint received 2024-09-24
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: Experian Information Solutions Inc. (NY)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MN)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

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.

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!
Consumer complaint received 2023-05-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMCOL Systems, Inc. (FL)

- XX/XX/2023 AMCOL System, INC. sent me a letter stating I owe XXXX XXXX XXXX XXXX  XXXX {$1400.00}. I called the day after to dispute my debt because after I checked the evidence of benefit from my insurance, the amount didn't match up. So, when I called they asked me to fax the evidence of benefit to prove the amount they presented was wrong. Additional to that, they informed me that I owed more money which I never received the bills from the hospital. Then I asked for an itemization of the bill. 
- XX/XX/2023 I faxed the evidence of benefit to AMCOL. 
- XX/XX/2023 I received another letter from AMCOL stating I had more debt. This time, it was {$720.00} from XXXX XXXX XXXX XXXX XXXX. Again, I have never received any bill, so I ask for the itemization for the bill. I also reminded them about the itemization that I have been waiting for from the last I spoke with them. 

I feel some thing is not right here when they want me to pay for the bills that I have never been billed for. Its more like scam. Yet, it is the debt collector that Ive never wanted to mess up with. I hope someone can help me sort this out. The total amount they said I owed was {$2400.00} which again Ive never gotten the bills.
Consumer complaint received 2016-04-20
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (SC)

I have had a credit card with Chase Business and was told that this will not be reported on my personal credit unless the card is delinquent 90 days. I had a chase card for several years and in XXXX XXXX my dad passed. I made a payment over the phone and it was not credited on time so Chase escalated my rate from 8 % to 29.99 % I wrote corporate and they told me too bad. I closed the account and they than escalated the payment much higher that the {$150.00} per month that we had budgeted. I have until the XXXX of next month before this would be 90 days yet I am now being told it will report after 60 days. Nothing has been consistent with this bank and they are frauding the public when this happens. I asked to have call recorded and they denied me yet say they are doing this on their own. I no longer have card and responded to a letter from them telling me they would work with me by lowering the rate if qualified or negotiate a settlement I spoke to a XXXX a XXXX ( XXXX ) who tells me that they will report delinquency on my personal credit after it is delinquent 30 days and definitely 60 days even though I have been told differently in the past. She claims it is the LAW. If this is the case how come other banks do not until it hits 90 days. I am in the credit field and such an action will result in me losing my job. Their actions of raising the rate for not properly posting a payment and then telling me hey could care less ( essentially ) caused the rate and the payment to go higher than what we had budgeted.I have personal credit card accounts with this company and have never missed a beat ( as high as ( {$30000.00} ) XXXX I am afraid that the attitude of too big to fail has truly created this '' monster '' that feels they are beyond complying to the laws and gives them the right to do anything to anyone without any recourse. Hard working people such as ourselves and the middle class bailed them out and have put the public at jeopardy. My card number ends with XXXX. I am afraid without the government intervening in this injustice that after the XXXX of next month it will have additional repercussions and destroy my credit. Letter I received prompting this was XXXX XXXX, XXXX. Phone number for contact was : XXXX or XXXX
Consumer complaint received 2017-09-09
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: EQUIFAX, INC. (MA)

Equifax mishandled my information which has led to a breach that puts me at potential risk as of XXXX  2017. 

I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.