davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-11
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: Experian Information Solutions Inc. (GA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section XXXX ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY (FL)

There was an American Express credit card opened in 2018 on my name. The address provided was wrong, my social security number wasnt used. The thief looks like used the card and I woke up this morning with a new credit card with balance of XXXX $ that was opened in 2018 maxed out in a month and never paid. For some reason this was never reported to my credit reports until 2 days ago. My social security number wasnt used but I dont understand how without any proper identification they were able to open an account with such a high limit! I have never received a letter or any notice from American Express, as the address reported from them for that credit card is not mine, I never lived there.
Consumer complaint received 2024-08-26
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. (NJ)

To whom it may concern : Upon reviewing my credit report, someone tried to open different credit card accounts in my name. This led to increase in the inquiries I have on my Equifax report. It is unfair for it to impact my credit in this matter, and I would like for this to be deleted from my credit report immediately because this is not accurate. I greatly appreciate you in advance Equifax XXXXXXXX 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
Consumer complaint received 2024-07-26
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-25
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. (OK)

My ex husband had my drivers license. There's 3 cards on my account 5hat don't belong to me. Obviously the cards thst do you see we pay on time every single month. These 3 cards one is XXXX XXXX XXXX XXXX XXXX  And I'm not sure they other one it started with an f. I don't remember the name. Look. They have gotten a xar even a house in my name his girlfriend looked a lot like me I can't seem to do anything but suffer the credit or pay thier bill. I'm not paying thier bills anymore.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I recently received a copy of my ( XXXX, Equifax, or XXXX ) credit report, and I noticed some late payments posted on my credit report.Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 


Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX XXXX
Consumer complaint received 2024-07-26
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. (WA)

I unfortunately noticed I am a victim of identity theft recently and I am attempting to remove all fraudulent inquiries that did not authorize. I have enclosed a copy of my identity theft report, a copy of my driver 's license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you remove the following fraudulent information on my credit file. 
The information on my credit report does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be removed entirely. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 
Please remove the fraudulent information below per sections 605B, 615f and 623a6 of the Fair Credit Reporting Act.
Consumer complaint received 2024-07-26
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. (TX)

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. 

Account Name XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX - XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 XXXXXX/XX/XXXX 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 a 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.
Consumer complaint received 2024-09-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Bank of America- I have XXXXhree overdraft transactions I was not aware of, when I called I realized that they declined one of my payments. When I asked them why this happened, they said it was an XXXX  decision. I asked them if I was notified about the use of XXXX  for my bank account and they said no - and that it was not really public knowledge but said it was a press release in 2020 that talked about it, but even the agent also didn't know much about it. Then he asked me if I wanted to change any of my settings for my overdrafts I said NO, I do not want to. Today, I received an email saying that I changed my settings but I remember saying I did not want to change any settings. I am concerned that BOA is using XXXX  to make decisions for me and my financial management without my knowledge or permission. I am hoping this can be resolved and help others that may also be experiencing such challenges with the bank.
Consumer complaint received 2024-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I had gone into the Citizens bank in XXXX to withdraw money from my checking account before my trip. The ATM machine was not working, and the bank wasn't opened just yet. I took cash from my house and then when i got back, i tried to use the ATM machine again and it wasn't working. Last Friday I went into the bank to use the ATM machine and get some cash and again, the machine wasn't working. it was XXXXXXXX XXXX and since XXXX, Citizens doesn't open until XXXX. I asked the customer service rep if she could help me out because i needed cash and the machine wasn't working, i had an appointment at XXXX and needed to go. She said the bank was closed and she will not help. I asked her again for her help and explained the machine was down AGAIN and i just needed to get some cash. She said i was rude to keep asking and that she wasn't going to help me even when they open. Another employee told me to leave and said if i didn't, he would call the police. The young man kept threatening me telling me the police are on their way and i should leave immediately. I wasn't swearing or threatening them so i was looking forward to the police coming. In the meantime, another employee came in and she was rather appalled at the other employees, so she helped me and apologized for her coworker 's behavior. I have several accounts at Citizens and i have been there for XXXX  years. I have been in business for XXXX  years now and have several employees. I serve on non-profit boards and I'm well respected in the community and i didn't deserve to be treated this way. Their ATM machines are always down and there are only a few in my area so i am constantly paying ATM fees. I get charged from both banks for a total of {$6.00} per transaction. I have paid {$250.00} in the last year because of their neglect to fix and supply their machines with money. I am moving all of my accounts to a much more reputable bank that I already do business with regarding my non profits. I just want to be refunded, and those employees should be fired ( I'm working on that ). A manager personally called to apologize but i don't want their apologies, i just want my money back.
Consumer complaint received 2024-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

My Citizens Bank XXXX Problem Again My XXXX Profile is Restricted with citizens bank i cant use my XXXX XXXX to make purchases and i having alot of issue with this account and Citizens bank refering me to visit a branch bank to authenticate my account and for some reason customers service is unable to verify my Phone Number Please i need help with this am tired of having this problem with this Horrible bank citizen
Consumer complaint received 2024-08-25
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (FL)

As per your response, this is a continued dispute as your response does not address the points stated as areas of contention. XXXX MAIN LETTER dated XX/XX/XXXX, has further caused more confusion and has resulted in another administrative error on Ally 's behalf. 
Furthermore, as per my conversation with XXXX, copy letter sent dated XX/XX/XXXX, sent to an unknown address to me. 

XXXX ) {$870.00} started additional fee accumulation from payment dated XX/XX/XXXX, for which Ally has stated " customer cancelled payment ', I have requested proof of this after confirming with XXXX XXXX, and it was confirmed that no such request was made by me, furthermore. I would like details regarding a request from me that I requested this payment to be returned. 

XXXX ) Payment history is illegible XXXX ) Harassment from billing XXXX, internationally and locally up to XXXX daily from all different numbers, this is not allowed and borderline abusive to this extent. 
After multiple requests of stopping these calls, yet again today on XX/XX/XXXX, I received a call from XXXX XXXXXX/XX/XXXXXXXX. 
XXXX ) Delays of response per request via phone /supervisor XXXX ) Many months were spent since XXXX to request reply from supervisor, approximately XXXX months ago I also requested Online Blog support to assist with rectification of this matter & this is when I finally got a reply as of XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX 

XXXX ) Mediation total amount paid per contract My dispute is regarding outstanding fees accrued from multiple incidents over the duration of this auto loan. I am requesting a refund of fees from XX/XX/XXXX fees accrued, the additional fees charged after towing vehicle once payment terms had been negotiated, paid and in current payment plan and also if there is a preposition to settlement amount of TRUE outstanding balance once I have received a ledger that is clear and legible.
Consumer complaint received 2022-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXXXXXX 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
Consumer complaint received 2022-02-07
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)

AFTER REVIEWING MY CREDIT REPORTS I NOTICED THAT YOU ARE ALLEGING THAT THE FOLLOWING ACCOUNTS ARE NEGATIVE WITHOUT FUNISHING ANY PROOF OF VERIFICATION OF THIS DEBT OR THAT YOU FOLLOWED ALL LAWS AND REGULATIONS TO REPORT THEREFORE YOU MUST REMOVE ALL NEGATIVE AND ADVERSE REMARKS
Consumer complaint received 2022-03-11
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. (VA)

My name is XXXX XXXX who has been granted a Durable Power of Attorney ( Copy Attached ) by my sister-in-law, XXXX XXXX XXXX, to assist with her issue with Experian. 

On XX/XX/2022, a conference call was convened that included XXXX XXXX and me along with the collection agency, XXXX XXXX XXXX XXXX XXXX  ), reporting the derogatory markers that diluted the credit scores for the three national credit reporting agencies. The XXXX  representative agreed that there was a need to properly validate the legitimacy of the claimed amounts due as reported on XXXX XXXX credit profile. During the telephone call, the XXXX representative was unable to supply proof of the debt. Further, XXXX XXXX states that she had never received any statements or applicable communication regarding the debt, and was unaware of the claim until she performed a routine check of her credit profile. 

Immediately following the call, I immediately confirmed the conversation in writing and advised XXXX of their requirement to adequately prove the alleged debt as required by the FDCPA prior to attempting to collect the claim. I also placed Experian on notice of their requirement under the FDCPA of their requirement to either substantiate the debt or remove the affected derogatory markers. To date, neither XXXX nor Experian has made any correction to this matter or otherwise communicated with us. 

Further, Experian misclassified a HELOC loan as a credit card, inflating the credit card capacity ratio from the actual XXXX XXXX to an excessive and incorrect XXXX XXXX. 
The combination of the derogatory markers and incorrect capacity ratio calculation has severely diluted XXXX XXXX credit score to XXXX as of this writing, when the actual score should be in the mid 700s. 

More than thirty days has elapsed, and despite follow-up efforts, Experian has not removed the delinquency markers from XXXX XXXX credit profile, nor has the capacity ratio been corrected. It is noteworthy that XXXX XXXX has removed all of the derogatory markers from XXXX XXXX XXXX XXXX profile and properly calculated XXXX XXXX credit card capacity ratio with a score as of this writing of XXXX.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My account with XXXXXXXX XXXX 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 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. 

XXXXXXXX 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 2022-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Upgrade, Inc. (NY)

To whom it may concern ; Ive been experiencing issues with a digital - credit card company named, Upgrade for the past 45 - 60 days, due to the fact they restricted my account, because of a previously reported derogatory remark on my credit profile. Therefore, in XXXX of XXXX their office decided to restrict me from further using my the card. Please note that Ive been a member of this company for over two years and have never been late on my payments on either of the two accounts I have with them. I have tried numerous times to speak with someone from Management, so they could explain me to as to why their hasnt taken the time to review my account / credit file periodically to determine if the restriction should continue. Yet I am always told that no Manager is available to speak or for a call back. Their customer service is not helpful at all, quite sarcastic and condescending. 

The Upgrade Card , Inc. Customer Service no. is : XXXX ( XXXX ) XXXX
Consumer complaint received 2022-03-11
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (PA)

So based on my online statements the fraud initially started around XX/XX/XXXX, in a form of payment to an account in XXXX in the amount of {$100.00}, also for the same amount on XX/XX/XXXX, on XX/XX/XXXX there were 3 fraudulent charges, two to XXXX XXXX  which amounted in {$350.00} and then the XXXX to XXXX on the XXXX it was another XXXX to XXXX. It continues with a total of {$650.00} made to XXXX which I have no account to. Throughout XXXX the increments continued to get larger from {$100.00} to {$250.00} to {$500.00} until I had under the threshold in my bank. That is when my bank alerted me that something was wrong which was on XX/XX/XXXX when the fraud took over $ XXXX out of my account. the bank said they denied my dispute because I have a history with XXXX  but I continue to tell them that it wasn't me. I believe the deposits from XXXX were intended to keep me from being aware of what was going on in my account. There were two separate deposits one for 1k and another for {$900.00} To this point, nothing was flagged or deemed suspicious to my bank 's eye, which is PNC. I also take part responsibility for not checking in on my account on a daily but I feel like my bank should alert me of suspicious activity on my account instead of alerting me when my account is under the threshold. That's the only reason I would have found out and done the dispute. The bank is telling me I am responsible but never alerted me of anything suspicious. I think PNC is a good bank and I didn't want to have to go this route but I was left with no other option. I hope all is continued once this gets settled, I'd like to stay with the bank.