davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with XXXXXXXX XXXX XXXX XXXX  AND XXXXXXXX XXXX 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 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 XXXXXXXX AND 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 2020-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

I have two debit cards with Wells Fargo ; one of the cards is a XXXX XXXX XXXX account and the other is personal account. My personal card got declined while I was trying to make a purchase of {$600.00}. I called Wells Fargo and they said it got declined because it was over my daily limit of {$500.00}. I requested a raise in my daily spending limits, as I do frequently make purchases on my personal card for over {$500.00}. They said with my account that I couldn't get an increase, but that I could use my XXXX XXXX account because it had a {$3000.00} limit. I then asked them how I could go about getting my limits raised in the future, and they told me there is this department that periodically selects accounts that can be converted to an account where my limit can be increased upon my request. I asked them what the qualifications were to get converted to this other account, and they said there were no qualifications and that they randomly select accounts. Hearing this I was appalled and felt like I was being discriminated against, so I proceeded to file a discrimination dispute with Wells Fargo. The next week I get an email saying this Wells Fargo guy was looking into my case. Another week later I get a call from this XXXX, hotshot " Executive '' saying yes we are discriminating against you and other members of our bank, but there is nothing I can do about it and you are screwed. The guy was a real piece of work, and his name was XXXX XXXX.
Consumer complaint received 2020-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (NV)

Too many HARD INQUIRIES is unnecessary and unauthorized. they Have a negative effect on my credit score. All my current creditors rate me better than agreed. But excessive inquiries by past credit companies and insurance companies are killing my credit score. I have no power over them to require removal of these.I need your help!!!
Consumer complaint received 2024-07-25
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. (NC)

I am XXXX XXXX, and I am submitting this complaint myself with no third party involved. I have attached a letter providing detailed information about the unauthorized inquiries reported on my credit report. 

The accounts listed in the attached document represent all unauthorized inquiries. I have never conducted any transactions with the entities associated with these inquiries, and none of them have been verified. 

I kindly request that you block/delete the unauthorized inquiries reported in my credit report.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Experian XXXX
Consumer complaint received 2020-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

It happened again!!!! 


Trans Unionhas stolen money from my XXXX accnt!!!!! TU did that again!!!! 

Again!!!!! 

I just checked thismorning! This is Monday, XX/XX/2020! 

T U stole money from me again! Again! 
They did that duringa time of global emergency! 
During the coronavirus crisis! 
That is shocking! 
I used to think that T. U. was better than that!
Consumer complaint received 2020-09-24
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (FL)

I receive DAILY phone calls from Navient regarding debt collection on a loan that is not mine, I did not sign for, nor have any liability regarding. In the past 24 hrs I have received 3 phone calls. Unfortunately, this is not a unique circumstance. This has been an ongoing issue. 

Navient 's calls currently equate to harassment, and I can not get them to stop. 

I have already filed this complaint in the past, and supposedly I am on the do not call list. It does not seem to be working. 

I personally have NO outstanding student loans. So Navient should not be contacting me regarding someone else 's debt. I have no interest or liability in the status of another 's finance issues with Navient.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-02
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: U.S. BANCORP (CA)

My mother passed away and left me money. I wired that money ( CAD ) from a XXXX account to my XXXX XXXX. The money was converted to XXXX  XXXX XXXX rate from XXXX XXXX was XXXX instead of XXXX. I lost XXXX dollars. They had assured me that I would be getting the actual federal exchange rate on that day. This was not the case. XXXX XXXX has its own exchange rate. 
XXXX for looking into this XXXX XXXX
Consumer complaint received 2024-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

On Sunday, XX/XX/XXXX, I used the ATM at our local US bank to try and deposit {$5000.00} cash ( XXXX - {$100.00} bills ). The ATM took the money, showed us a series of error comments on the screen, and then kept the money but did not apply it to our account. That is a lot of money for me and my family. It is now XXXX, XX/XX/XXXX, I have called nearly everyday to get some kind of update on what is happening with this claim. I get different answers from different people about the process or what happens next or what I should do- the part that is the same is that the status is " in process '' and that we just have to wait. Responses ranged from go into the bank and speak to the bank XXXX ( she made me feel like I was bothering her ) to refusing to look in the comments section and share any information that might be in there ; telling me that I shouldn't have used the ATM for that much of a deposit ; telling me that I should probably see something in XXXX hours, by XXXX, by XXXX, by the XXXX ; explanations of why they're waiting for some report, email, message, third-party vendor ; that someone is actively working on it vs they're just waiting and there's nothing that they can do about it. Yes, they fairly consistently explained having to wait XXXX  days and that it can take up to XXXX  days. But this is not a {$20.00} mishap, this is a {$5000.00} deposit. How hard can it be to find it? How often does a {$5000.00} deposit go missing? Why does it take 10 days to figure it out? It all seems incredibly unreasonable and unfair to the customer. What if they dropped off their car at the tire shop to get new tires and they told them that they couldn't have their car back until 10 days because no one has a record of them dropping off their car and they'll have to investigate it - it's a car?!? My bank is saying that they don't know where the money is - that is their job - and they can't find it for up to 45 days. It just doesn't make any sense and we need some help to get our money issue resolved. We need some sort of update - who is working on it, what have they done, what is left to be done. Would it be so hard to say this is the XXXX step process, you are now on step XXXX or XXXX or her is XXXX XXXX he is currently/actively working on your claim and he can tell you exactly what has been done to date and what he's doing now or will do next. I don't understand what happened to transparency or customer service. The feeling/impression that I get is that they don't care, it will get resolved whenever they get around to it, I should just shut up and wait.
Consumer complaint received 2024-07-25
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. (CA)

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 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 and list of Inquiries. 

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 shIn accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : 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 and list of Inquiries. 

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.all 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 2020-09-24
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. (GA)

I have sent notices informing the credit reporting agency that the information they have on file is the result from identity thief, but they have not blocked the information and do a thorough investigation even though I sent a police report, reported from FTC, and sent other correspondence to get this issue resolved. They have failed to remedy the matter and have not provided me with any documents which would verify why they would have these negative marks on my report which is causing economic harm. I have sent and recorded all correspondence that was sent certified mail for my record. 
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX XXXX  uni date opened XXXX account # XXXX amount XXXX date opened XXXX and account # XXXX amount XXXX address : XXXX XXXX XXXX XXXX XXXX, Ma XXXX XXXX XXXX XXXX   XXXX account # XXXX date opened XXXX account # XXXX date opened XXXX account # XXXX date opened XXXX address : XXXX XXXX XXXX XXXX, VA XXXX XXXX
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

I hope this message finds you well. I am writing to follow up on my previous request for assistance. As mentioned earlier, I have already provided all the necessary documents to address the issue regarding the item that does not belong to me.
Consumer complaint received 2023-02-11
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. (MD)

Im submitting a complaint to you today to inform you I was the victim of identity theft. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX  XXXX XXXX XXXX, NV XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX  XXXX Balance : - XXXX XXXX  XXXX Balance : - XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX : {$320.00} XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX  XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/202XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX  Inquired on 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 — Personal information incorrect
Company: Experian Information Solutions Inc. (MO)

On XX/XX/24 I received a notification from Experian saying my address was updated to an address I never lived at. Experian said I could not dispute it because it was linked to an XXXX XXXX  accounts on my credit report. This is not the first issue with XXXX. XXXX is aware of identity theft, I have disputed multiple times with them in the past. Now they have updated my address to an address I never lived at possibly putting my information at risk. This needs to be fixed immediately!
Consumer complaint received 2024-07-25
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protecte privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX account number- XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, has violated my rights. 
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 XXXX 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 2024-07-25
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. (WI)

Pursuant to 18 USC 8 I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681b.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( 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.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report.

1. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft XXXX XXXX XXXX  XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately. 

XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft XXXX  Account Number : XXXX As a consumer by law, this account must be deleted immediately. 

XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft XXXX XXXX XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately. 

XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft XXXX XXXX XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately. 

XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft XXXX XXXX XXXX XXXX  Account Number : XXXX As a consumer by law, this account must be deleted immediately.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-25
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. (CA)

I am deeply frustrated by the inaccuracies that exist in my credit report, which constitute unfair treatment towards me. I kindly ask that you take action, thoroughly investigate this matter, and make the necessary corrections without delay. If there are no updates, I will be compelled to proceed legally. 
In acordance with the fair credit reporting act the follow information is inaccurate and has violate my rights. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 usc 1681 section 604a setion 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

For several months, I have been disputing incorrect information regarding these accounts and the discrepancies between the credit bureaus ; however, there has been no resolution on this matter, which led me to file a complaint previously. They still consider the information correct even though its inaccuracy has been demonstrated. Therefore, I am filing a new complaint now, specifying the violations that were incurred here.

15 USC 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy of information.

15 USC 1681i ( 5 ) : Failure to investigate and correct inaccurate information.

15 USC 1681s ( 602 ) ( a ) : Failure to provide clear and accurate information to consumer reporting agencies.

15 USC 1681s ( 604 ) ( a ) : Failure to permit access to all information about the consumer 's credit file.