davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

To Whom It May Concern : I am writing to formally complain about Experian 's failure to properly reinvestigate inaccurately reported late payments on my credit report associated with my XXXX XXXX account, number XXXX. These errors are negatively impacting my XXXX XXXX. 

In accordance with the Fair Credit Reporting Act ( 15 USC 1681 ( a ) ( 2 ) ( 4 ) ( 0 ) ), Experian is required to conduct a thorough reinvestigation when a consumer disputes the accuracy of the information in their credit report. Despite my disputes, the following payment records are incorrectly reported on my 2024 credit report : XXXX : 30 days late XXXX : 30 days late XXXX : 60 days late These inaccuracies must be corrected, and I request their immediate removal from my credit report. 

I formally request that Experian provide me with a copy of the reinvestigation report, including detailed documentation and evidence that justifies the conclusion of the investigation. It is crucial for me to understand how the reinvestigation was conducted and to verify that the procedures followed were appropriate and that the final decision is based on concrete and verifiable evidence.
Consumer complaint received 2024-08-16
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. (NJ)

I received a copy of my credit report. To my Surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$0.00}. According to FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 

XXXX XXXX XXXX
Consumer complaint received 2024-08-16
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. (NJ)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX Balanced {$700.00} XXXX XXXX XXXX Balanced {$1200.00} XXXX XXXX XXXX {$1700.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-16
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (SC)

I am filing this formal complaint to address a significant issue regarding the reporting of a charge-off by a third-party agency on my credit report. This charge-off, which is being reported by Radius Global Solution, is classified as a XXXXXXXX XXXX XXXXXXXX. According to my understanding, this classification renders the charge-off as income. Income, by law, should not be reported to credit reporting agencies. Therefore, this charge-off should be removed from my credit report immediately. 
XXXX. Unlawful Reporting of Charge-Off as Income : Radius Global Solution, along with the credit reporting agencies [ XXXX, XXXX, XXXX, XXXX, etc. ] have reported this charge-off as a negative item on my credit report. However, this charge-off should be considered a XXXXXXXX XXXX XXXXXXXX, which constitutes income. Under federal law, specifically pursuant to IRS guidelines and the Fair Credit Reporting Act ( FCRA ), income can not be reported as a negative item on a consumers credit report. Therefore, the reporting of this charge-off is inaccurate and unlawful. 
XXXX. Violations of the Fair Debt Collection Practices Act ( FDCPA ) : In addition to the improper reporting of income, the actions taken by Radius Global Solution and the credit reporting agencies are also in violation of the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA is designed to protect consumers from unfair and deceptive practices by debt collectors. The following violations have occurred : Reporting of income ( XXXXXXXX XXXX XXXX ) as a negative item on my credit report. 
Misrepresentation of the nature and status of the debt by the third-party agency. 
These actions are clear violations of the FDCPAs prohibition against unfair practices, as outlined in 15 U.S.C. 1692e and 15 U.S.C. 1692f.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained these results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I received a copy of my credit report. To my surprise, you are reporting these accounts incorrectly. These collection accounts are reporting not only as OPEN, but also shows a past due balance of {$3100.00}, and {$1400.00} respectively. According to the FCRA, I have the right to an accurate credit report. Please remove these accounts immediately from my credit report. Please provide me a copy of my new credit report reflecting these accounts removed upon completion. 



XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your esteemed institution. While reviewing my credit report, I was appalled to discover discrepancies that have raised significant doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, all of which I have enclosed within this correspondence for your comprehensive examination. I respectfully urge you to thoroughly investigate this issue and promptly take the necessary steps to rectify any inaccuracies and update my personal information accurately and expeditiously. Your cooperation and assistance in this matter are crucial to maintaining my faith and trust in your institution. 

My data was affected by the XXXX data breach, resulting in numerous fraudulent items appearing on my credit report that I do not recognize. As these claims remain unproven and undocumented, they can not be assumed valid nor compliantly reported. I request evidence of your adherence to applicable compliance standards for this particular account. Furthermore, I must insist on the immediate deletion of these unsubstantiated claims. This matter is currently under investigation by the FTC.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Hello, I am writing and sending this complaint with absolute certainty and extreme frustration, there are a lot of errors on my credit report that I just can not ignore anymore as this has been negatively impacting my life and credit score making me unable to achieve financial freedom and stability.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX has Out dated, inaccurate information on my credit report. Two late charges, hard 8 hard inquiries. My name is misspelled, addresses I never lived at. 2 car loans paid off. Last time updated my information was XXXX XXXX XXXX. I asked XXXX to make the changes accurate. But they have ignored my request.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Systems,Inc. (GA)

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within 4 business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX debt bondage and would like for all listed accounts to be blocked and deleted company information with XXXX, XXXX and XXXX. Please delete the following accounts. XXXX XXXX {$160.00}, XXXX XXXX XXXX {$4100.00}, XXXX XXXX {$240.00}, XXXX XXXX {$450.00} AND XXXX XXXX {$3400.00}
Consumer complaint received 2016-02-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TRANSWORLD SYSTEMS INC (NJ)

This company represents the State of NJ and are collecting a debt on their behalf. To get my NJ driver 's license, I agreed that I owed a debt and made payment arrangements. I have a representative payee that handles my social security XXXX payments. The company demanded that I give them banking information, ( a debit or credit card ) so that they could have payments taken out automatically. I gave them the card number that is in my daughter 's name. For the past 12 months this company has been sending me letters notifying me that they are taking the money out and to make sure it is available. I just received a notice from NJMVC that my driver 's license and registration privileges are suspended and that I needed to contact this company. When I spoke with them they informed me that the card had been declined. I receive no notice at all that there was a problem. I believed the monthly letter from them and had no reason to believe otherwise. They refuse to give me any information. They are rude and nasty and state that I should have known that the money was not being deducted and the only way to get my driving and registration privileges reinstated is to pay them the {$1200.00} for the back months that their request for funds were denied and to give them a card so that they can take the payments out automatically. They claim I owe in excess of {$11000.00} ( a judgment against me resulting from a car accident I had in NJ in 1999 ) NJMVC states that the judgment is for {$7000.00}. I asked for the contact information of the original debtor and they claim they do n't know it. I ask to speak to a supervisor or someone from the legal department. They take my name and phone number and never call me. I asked for a copy of all correspondence to me and they stated that 12 months of letters is to much to mail out. They have never mailed me any other documentation except the letters confirming that they were taking the money out of my custodial bank account in my daughter 's name ( she is my representative payee )
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (PA)

I am writing to formally lodge a complaint against Citibank regarding their inaccurate reporting of an account on my credit report. This account is being reported in violation of the Fair Credit Reporting Act ( FCRA ). As an authorized user on this account, I am not liable for the associated debt. However, despite my status, Citibank has continued to report this account as if I were responsible for the debt. This has led to significant negative implications for my credit score and financial standing. Despite these efforts, Citibank has failed to take appropriate action to correct this reporting. As such, I believe they are in violation of several provisions of the FCRA, which require accurate reporting and timely investigation of disputes.I request your assistance in investigating this matter and holding Citibank accountable for their actions. 

As an authorized user, I am are protected under several laws, primarily : Fair Credit Reporting Act ( FCRA ) : This law ensures that consumer credit information is reported accurately. As an authorized user, you should not be held liable for the debt on the account, and you have the right to dispute inaccuracies in your credit report. 

Truth in Lending Act ( TILA ) : While this primarily governs credit terms and disclosures, it also supports fair treatment of consumers, including authorized users, by ensuring clear communication regarding liabilities. 

Equal Credit Opportunity Act ( ECOA ) : This law prohibits discrimination in credit transactions. It ensures that authorized users can not be unfairly penalized or discriminated against based on their status. 

These laws collectively protect authorized users from being held liable for debts on accounts where they are not the primary account holder. If you're facing issues with reporting, these legal protections may be relevant in your dispute.
Consumer complaint received 2024-09-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (AK)

In XXXX of XXXX IQ Data International received my account for a debt that I allegedly owe ( I don't ). On XX/XX/XXXX IQ Data International communicated to the XXXX that they are attempting to collect this debt. This is beyond the statue of limitations and a violation of my consumer rights.
Consumer complaint received 2024-09-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Synovus Bank (IL)

The day of XX/XX/year> consumer called first progress to access an account the consumer was prompted to enter card number after consumer received a message to activate a card. Multiple times.Consumer called to speak to a representative consumer informed the representative that there was a problem accessing the account.The representative stated Multiple things that could be a factor but unsure.The consumer informed representative the card was set to expire in XX/XX/year> but not yet expired which delayed a payment so consumer requested a new card multiple times during the call. Consumer asked the representative not to add funds to an account that can not be accessed with the card since it could not be used.The representative stated the computer generates a card.The consumer can not be accountable for the actions of the computer or the issuer.Consumer stated to the representative that a return call would be if nothing changes.Late XXXX approximately XXXX or XXXX still no card .Consumer called and spoke to another representative by the name of echo consumer told representative they have not received a card and I was requesting again to get a card. Late XXXX approximately XXXX XXXX still no card consumer spoke to a supervisor by the name of XXXX said he refuse to send a card and that it was the consumer fault. Consumer not able to use funds til this day. still haven't received a new card XXXX XXXXUnfair credit reporting .denial of available credit. Knowingly denial of available credit.pain and suffering. First progress is being accused of.First progress ask consumer to pay for access to available credit at a time when the economy is very challenging first progress and its staff has negatively impacted various areas of the consumers life being denied of my available credit its been over 90 days still no access to my available funds im asking for an investigation with timely resolve seeking maximum compensation that is allowed by law
Consumer complaint received 2024-10-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, between XXXXXXXX XXXX and XXXX XXXX California time, I deposited {$500.00} cash into my Bank of America debit account at the branch located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I used an ATM inside the branch, not one outside, and the ATM ID is XXXX. After returning home, I attempted to transfer the {$500.00} to my XXXX investment account, but the transfer failed multiple times. After XXXXXXXX XXXX that day, I checked my account and realized that the deposit was not reflected in my Bank of America account. 

The next day, I visited the same branch and submitted a claim. The bank provided a temporary credit of {$500.00}, and I believed the issue would be resolved, especially since Bank of America experienced a nationwide technical outage on that day. 

However, several weeks later, on Tuesday, XX/XX/XXXX, at XXXX AM, I received a message from the Bank of America message center stating that they could not find a record of my {$500.00} deposit and that the temporary credit would be withdrawn. The following morning, I visited the branch again, but the staff directed me to call a support line. I waited 20 minutes to speak with a representative and explained everything, only to be told that I would need to call someone else and that they could transfer me. I waited another 20 minutes for assistance, but no one answered, and due to other commitments that day, I could not continue to wait. 

After these unresolved attempts, I decided to submit a complaint to the Consumer Financial Protection Bureau for assistance.
Consumer complaint received 2024-08-16
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. (NJ)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-08-16
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)

I am XXXX XXXX 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 three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

Dear Experian, I am writing to request a thorough investigation of an incorrect address that has been listed on my credit report. The address in question is : XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX Please note that I have never lived at this address and am unsure how it came to be associated with my credit profile. The addresses where I have resided are : XXXX XXXX XXXX XXXX, XXXX, IL XXXX My current address : XXXX XXXX XXXX XXXX, XXXX, IL XXXX Given that I have never lived at XXXX XXXX XXXX XXXX, XXXX, IL XXXX or have no association with this address. I kindly request that you validate the origin of this address on my report. If it is found to be erroneous, please remove it from my credit profile immediately. 

Thank you for your prompt attention to this matter. Please confirm in writing once this issue has been resolved.
Consumer complaint received 2024-09-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Fidelity National Information Services, Inc. (FNIS) (WA)

XXXX : XXXX XXXX Original Charge Off Amount : {$1100.00} Closure Status : XXXX XXXX XXXX Closure Status Date : XX/XX/year> Finally, you are reporting the INQUIRIES that are the result of the same type fraudulent activities. I must be noted that I did not apply for credit accounts with the below listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve these accounts. 
Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
Consumer complaint received 2024-09-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: M&T BANK CORPORATION (MD)

to mediator Please find the attached documents as evidence to prove I was on XXXX  on that day and I was nowhere around where that transaction took place. I'm a XXXX XXXX and on that day I was XXXX XXXXXXXX  from XXXX - XXXX with no breaks on that day. I showed the documents to the bank also to help with the investigation but they have declined. 

Your further assistance to investigate this matter is very appreciated.. 

Best regards, XXXX XXXX XXXX