davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.
Consumer complaint received 2023-12-19
Product: Credit card — Store credit 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)

I made an appliance purchase at Best Buy Store using Best Buy ( Citibank ) credit card on XX/XX/2023. Best Buy was unable to deliver on the day of expected delivery XX/XX/2023, so I decided to cancel entire order and purchased appliances elsewhere. I received what I thought was a full refund until 30 days later when I received a bill from Best Buy Citibank credit card for {$190.00}. On XX/XX/2023 I contacted the credit card who directed me to handle with the store. I spoke with a manager at the store who said they'd work with Best Buy corporate to refund within 2 weeks. On XX/XX/2023 I began to receive debt collection calls. I explained the entire story and spoke with a few people. I called Best Buy repeatedly between XXXX which is documented. I was continually told different things by Best Buy. I was hung up on, lied to, mislead, and intentionally strung along in hopes I'd pay for something that should have been cancelled. I was continually told my case was being escalated and worked on. On XX/XX/2023, Best Buy Citibank reported delinquent payment status to the credit bureaus which now effects my credit score. Fast forward to XX/XX/2023 after working with XXXX XXXX XXXX, Best Buy Stores worked with Best Buy Citibank and issued two refunds totaling {$190.00} along with Citibank reversing a late fee of {$29.00}. This brought my Best Buy Citibank credit card account to XXXX balance. Best Buy corporate stated they requested that Best Buy Citibank remove the negative reporting to credit bureau, but they would not. Instead, Best Buy Corporate stated that Best Buy Citibank suggested I dispute the reporting to the credit bureaus. This was absurd and was outright an action to push me off. The credit bureaus will not remove anything from my credit report because I say so and to dispute it with them, I'd need documentation. I reached out to the credit bureaus and was told Best Buy-Citibank needs to request the negative reporting be removed. My credit report should not be affected because Best Buy Stores did not resolve this back in XXXX. Why should my credit history be negatively affected as a result of bad business practices? Why won't Best Buy-Citibank remove the one-time negative reporting if Best Buy Stores explained to them the situation. I have all the calls I've made documented. How is a consumer supposed to navigate this dispute? I haven't had a single late payment on my credit report in over 10 years and now Best Buy Citibank does this because Best Buy Stores did not issue the refund in time? Best Buy store cards are encouraged to be used in the stores and there's a push to buy memberships and protection plans all using their credit card yet when there's a dispute there's no protections for the consumer and the business that the credit card is supposed to be advocating for, they will not support. Citibank will not support what Best Buy stores ( their direct merchant ) are asking.
Consumer complaint received 2024-07-03
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 months that are reported late 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-02
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. (MD)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2023-09-28
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

During the past few days I tried to make a purchase of a specific item over {$400.00}. Four times the purchase was denied by the bank. Yet, the bank applied each declination against my credit limit, a total of more than {$1600.00} erroneously applied. Today, when I tried to make two small purchases, well under {$50.00}, the bank declined both purchases. When I contacted the bank, I was told that it would take about 10 business days, or about two weeks, to remove the charges because they are PENDING, even though all were declined. Total incompetence and anti-consumer action by Capital One, owned in large part by Walmart.
Consumer complaint received 2024-07-03
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. (TX)

I have reached out to Experian several times in regards how my credit is being reported and they continue to ignore my requests. They have me late for XXXX XXXX, although I've advised them that the account was under deferment and the months that it was deferred should not reflect as late. I have also advised them that I do not have an account with XXXX XXXX XXXX and they have added that collection to my account without evidence of a contract. They are also allowing XXXX and XXXX to report me as late when in fact both accounts were in deferment for a divorce. 

They have also allowed charge off without proper documentation. I requested copies of the documents from XXXX XXXX XXXXXXXX and from Experian in which it was never provided. 

I have also asked to remove the employer on file as it has changed and they refuse to update my information. 

They have allowed 5 inquiries from the same company that pulled my credit, when instead it should only count as one. 

Experian is violating my rights under the Fair Credit Reporting Act and is allowing misuse of my credit by creditors without evidence.
Consumer complaint received 2024-07-02
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. (CA)

I pulled the credit report from Experian on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which stated that old credit items from XXXX XXXX XXXX would be removed from my credit report on XX/XX/year> the information was not removed, and was re-aged to exist longer the information is currently on the credit report as of today, XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The credit bureau is reporting false information, providing me with dates of deletion and failing to remove by the date as indicated on the credit report. 

see attached Credit report
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
self/ lead : # 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 has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and inaccurate. According to the Fair Credit Reporting Act 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 according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-07-02
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. (LA)

XXXX states an account is mine but contacting them several times this year, I have found incorrect information. The address of the account is not mine and they illegally updated the address to my correct one. The address according to customer service that opened the card is in XXXX whereas I am in XXXX. 

The credit reporting agencies are also reporting inconsistent data ( see attached ) and I have been working with them to get this removed as well and they refused. 

No one has sent proof outside of statements that show no signatures.
Consumer complaint received 2023-02-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. 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 ; XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2024-07-03
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. (CA)

I am writing concerning my credit report, which contains inaccuracies requiring your attention. The basis for my dispute is the lack of sufficient information provided by your agency to verify the debt in question. Both XXXX and XXXX, other credit bureaus, have already rectified the inaccuracies in this account from their records due to identified errors. I am perplexed as to how your agency has verified this account while the other bureaus have updated them. Therefore, I request that you correct this account in my credit file as they are inaccurate, erroneous, incomplete, or unverifiable. Specifically, I dispute this account : XXXX XXXX XXXX
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2024-07-03
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 wrote XXXX, EXPERIAN XXXX XXXX requesting an investigation into items that are reporting in Violation of FCRA and FDCPA Regulation 's on my credit report. To XX/XX/year>, I have not received a reply from them pursuant to 15 U.S. Code 1681i - Procedure in case of disputed accuracyTransport Services or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information to XXXX, EXPERIAN XXXX XXXX. I have responded again on XX/XX/year> and request that you reply within a reasonable amount of time. Since this is my 3rd request, I've made sure to also send a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. THESE INACCURATE ACCOUNTS ARE IN VIOLATION OF MY CONSUMER RIGHTS TO PRIVACY. 

XXXX. Validate this non XXXX XXXX compliant account. XXXX Account Number : XXXX XXXX. Delete this account because of potential HIPAA violation I did not give consent for my medical records to be given to a third party XXXX XXXX XXXXXXXX Account Number : XXXX XXXX. Validate this non XXXX XXXX compliant account. 
XXXX XXXX XXXX Account Number : XXXX XXXX. Validate this non XXXX XXXX compliant account. XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-07-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-07-03
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. (MD)

XXXX XXXX XXXX XXXX Account XXXX - XXXX i took a second look a my credit report and this account above is still not being reported accurately. Its showing that this account was charged off but in fact was paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments i've attached a copy of my report to this complaint on the following dates for Experian its shows Charged off for XX/XX/XXXX, XXXX XXXX XXXX but for the remainer of the year no data is avaliable. XXXX reports charged off for XX/XX/XXXX and XX/XX/XXXX and for the remainer of the year there is no data avaliable XXXX shows no readable data at all for XXXX. I'm now requesting you reinvestigate and provide verifiable proof with records showing that i had late payments. If this information can not be verified i demand this payment be update to paid on time immediately. Thank you for your understanding and prompt action
Consumer complaint received 2024-07-03
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. (CA)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$8800.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$3100.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$630.00} XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted Experian and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.
Consumer complaint received 2023-04-07
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$240.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$650.00}