davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I submitted a letter to Experian letting them know that the addresses that are listed on my credit report are inaccurate. I included documentation of my correct address as well as two additional forms of identification with the letter. Experian completed the investigation but did not remove the inaccurate addresses.
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: EQUIFAX, INC. (SC)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

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. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

From XX/XX/XXXX to XX/XX/XXXX, I reached out to XXXX, Transunion, and XXXX, asking them to investigate Account Name : XXXX XXXX XXXX XXXX, Account XXXX. They claim to have done their due diligence with their investigation, but there are still multiple inaccuracies across all three consumer reporting agencies ( XXXX, Transunion, and XXXX ). These inaccuracies are highly injurious to my credit report and my credit score. In accordance with 15 USC 1681e : Compliance procedures subsection B " 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. '' Listed below are just a few of the inaccuracies. 

Highest Balance : Experian- {$5000.00} Equifax- {$3500.00} XXXX {$5000.00} Date of Last activity : Experian- XX/XX/XXXX Equifax- XX/XX/XXXX Transunion- XX/XX/XXXX
Consumer complaint received 2024-10-14
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. (TX)

I have some creit inquires that are fraud and I did not authorize. I will fill out a ID Theft form but these inquires need to be deleted. 

Inquiry details XXXX XXXX  ( Finance ) XX/XX/year> XXXX XXXX  ( Finance ) XX/XX/year> XXXX XXXX ( Finance ) XX/XX/year> XXXX XXXX XXXX ( Finance ) XX/XX/year> XXXX  XXXX XXXX ( Finance ) XX/XX/year> XXXX ( Finance ) XX/XX/year> XXXX XXXX  ( Bank ) XX/XX/year> XXXX XXXX ( Bank ) XX/XX/year> XXXX XXXX  ( Auto ) XX/XX/year> XXXX ( Finance ) XX/XX/year> XXXX XXXX ( Finance ) XX/XX/year> XXXX XXXX ( Bank ) XX/XX/year> XXXX  XXXX ( Bank ) XX/XX/year> XXXX ( XXXX ) XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX  XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX
Consumer complaint received 2023-06-08
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. (OK)

I recently had my credit report pulled for a potential mortgage loan. On my Experian credit report, it shows that I am an authorized user on a XXXX XXXX credit card that is open and active. This card was opened XX/XX/2012. At the time I was a minor, XXXX XXXX XXXX and a ward of the State of California, in the foster care system. I have never authorized my information to be used with XXXX credit cards. The credit card currently has a {$9900.00} balance which is severely damaging my credit and ability to buy a home. I repeatedly called XXXX to resolve the issue, however they are unwilling to help me without a full account number, or full name and social security number of the primary account number. I have no access to that information since my name was used fraudulently on this account. XXXX refused to help me or remove this fraud even though it shows on my credit report.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OH)

Victim of identity theft. Could not get in touch with a XXXX XXXX representative. Called Equifax and they told me they could not help me with out a report. I don't have a copy of my police report because all I have is an email saying there was a hard inquiry on my credit.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

Hello my name is XXXX XXXX and this address below thats reporting on my credit report is fraudulent and needs to be immediately removed XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX This Address is a accurate up to date address that should be reporting on all my credit reports XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-14
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: EQUIFAX, INC. (TX)

In my dispute with Equifax submitted on XX/XX/XXXX, I raised concerns about several accounts that I believe are inaccurately reported. The accounts include XXXX XXXX with a balance of {$0.00}, dated XX/XX/XXXX ; XXXX also with a balance of {$0.00}, dated XX/XX/XXXX ; and XXXXXXXX XXXX with a balance of {$0.00}, dated XX/XX/XXXX. Additionally, I disputed XXXX, which has a balance of {$5200.00}, dated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, also with a balance of {$0.00}, dated XX/XX/XXXX ; and XXXX XXXX XXXX XXXX XXXX outstanding amount of {$680.00}, dated XX/XX/XXXX. 

What is particularly concerning is that the statuses of some of these accounts differ significantly across various credit reporting agencies. For instance, the same account may be reported as paid, in collection, or derogatory, depending on which CRA is being referenced. This inconsistency raises serious doubts about the accuracy of the information being reported.
Consumer complaint received 2024-10-14
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: EQUIFAX, INC. (NC)

I am writing to express my concern regarding the unresolved inaccuracies on my credit report. Despite multiple requests for a thorough investigation of these disputed accounts, no corrective action has been taken, and the errors continue to harm my credit file. These inaccuracies are causing significant personal and financial hardship. 

I kindly request that you conduct an immediate and comprehensive investigation into the disputed accounts. It is crucial that my credit report is updated and corrected without further delay to restore its accuracy and integrity. I trust you will treat this matter with the urgency it deserves. 

Thank you for your prompt attention and assistance in resolving this issue.
Consumer complaint received 2024-10-14
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. (FL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-11-05
Product: Credit 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: CITIBANK, N.A. (FL)

Hi. My name is XXXX XXXX XXXX. My husband XXXX XXXX is the primary account holder, i am the secondary. It is XXXX XXXX XXXX credit card. 
On XX/XX/XXXX i made an online order through XXXX XXXX for XXXX for the amount of {$80.00}. Almost immediately i changed my mind and cancelled the order. XXXX XXXX  accepted the cancellation, but refused to issue me the refund, alleging that the store already started working on my order, so i am responsible for the whole amount. It was a total lie, since i cancelled the order within 2 minutes. First, theres no way they were working on the order within the time frame. Second, if that was the case, XXXX XXXX  shouldnt have accepted the cancellation, they should have performed the delivery regardless. Instead they stole my money without providing any service. 

I tried to talk to them first, but they were extremely unhelpful, and then they just blocked me. So I disputed the charge with the credit card. I had to do it 3 times, since the merchant would continue charging me for the same amount. I provided the credit card the proof of the cancelled transaction and in the beginning they agreed with me. But now on XX/XX/XXXX they suddenly agreed with XXXX XXXX  since they assured that they have no records of any cancelled transaction! The credit card charges me back for {$80.00}, ignoring my submitted proof of the cancellation. I feel Ive been treated very unfairly : first from the merchant, then from the credit card, the same people that promised to protect my rights. Please help me to make it right.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

See attached FTC report and remove these unauthorized accounts from credit report due to incorrect reporting and violation of the FCRA. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

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

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

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

I request that the following actions be taken immediately : Investigation of the mentioned violations. 
Removal of the unauthorized accounts from my credit report. 
Exclusion of any obsolete information in compliance with 15 USC 1681c ( a ) ( 5 ).

Correction of any inaccurate information in accordance with 15 USC 1681s-2 ( a ) ( 1 ). 
Notification of the correction to any person who has received my credit report in the past six months. 

I expect a written response within the next 30 days. If this situation is not adequately resolved, I will consider taking the necessary legal actions to protect my rights.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

My account with was never late! I have had exceptional payment history witH 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 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 60 days 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.

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 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

My account with XXXX XXXX XXXX XXXX XXXXXXXX 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 in XXXXXXXX XXXX XXXXXXXX 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 XXXXXXXX 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 2024-10-10
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

Over a year ago I opened up a savings account with Citizens Bank which was set to hold a security deposit for my home that I rent out. As such, there was not going to be any funds going in or out of the account once the account was opened and contained the {$1500.00} deposit. The agents knew that when I set up the account.

There were no issues with my account until XX/XX/XXXX, at which point Citizens began charging me what they considered to be a dormant '' account fee. This is not something that was outlined in any of the documents I signed when I set up the account, nor was it something that was ever discussed with me or agreed to up front. The first fee was {$10.00}. Then, Citizens proceeded to charge me {$5.00} every month thereafter from XXXX. This amounted to a total charge for fees of {$45.00}.

I did not realize the company was charging me these fees until XX/XX/XXXX, since this account does not have activity as it holds a security deposit only. At which point I called, spoke with a representative of Citizens and advised them that this was a security deposit account, and that I could not comingle funds or add funds or remove funds to the account due to the legalities of doing the same. At that point they reimbursed me the {$45.00} I had been charged to date, looked into the account as to how it was set up, and assured me my problem would be resolved.

Thereafter, Citizens continued charging me monthly fees from XXXX. for a total amount of {$15.00} I called back again on XX/XX/XXXX, spoke with a supervisor at Citizens, and was again apologized to, and advised I would be reimbursed the fees. I advised then that I would be withdrawing my money and closing the account ; which I did.

In looking over the reimbursement, I now see that Citizens failed to reimburse me in full and only reimbursed {$10.00} of the {$15.00} they owed me. I called them to rectify the situation and was advised that they would " note my dissatisfaction, but there was nothing they could do ''. I want my {$5.00} back, as they previously agreed to do, prior to the closing of my account.
Consumer complaint received 2024-10-31
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

Purchased {$200.00} amex egift card and activated on XX/XX/year>. 

XX/XX/year> - {$200.00} total ( {$4.00} fee and {$190.00} payment ) Tried paying property taxes but card was declined. Never had this problem before with any other credit card or pre-paid gift card. 

XX/XX/year> - {$200.00} total ( {$4.00} fee and {$190.00} payment ) Tried paying property taxes again but declined. 

Went to support site and one of the suggestions was to add it to a mobile wallet. 

XX/XX/year> - tried adding card to XXXX XXXX  and it was declined ; XXXX said to contact the card issuer ; this also left a {$0.00} pending hold on the card XX/XX/year> - called the support number at XXXX and none of the endless menu options were helpful. 


Overall, funds that are needed are being held in this unusable gift card. Can someone help me figure out how to use this card or refund me the {$200.00}? 

If this is not possible, is my only alternative to call my credit card company and ask them to mediate this?
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I am writing to you as the holder of my Auto Loan account number XXXX XXXX XXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my Auto Loan have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.