davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-26
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: Experian Information Solutions Inc. (CO)

I disputed this on my account multiple times on my credit report, and it still shows the account " Account Not Disputed '' which is a violation of the law. 

XXXX XXXX - XXXX please provide proof I was late on this account by sending over bank statements from the data furnisher or else I was never late. Send over everything, NOT JUST THE BILLING STATEMENTS. One relevant case that addresses the obligations of CRAs is XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, where the court held that simply sending billing statements does not suffice as proper verification of a late payment. And tell me the method of investigation you used : 1. Who did you speak to? 2. What was the method used to verify this account? 3. What is the name of the person and what time did you speak to them? 4. Was a XXXX form used or was this through electronic automatic dispute verification? You have 15 days to respond
Consumer complaint received 2024-08-02
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)

To who it may concern, please remove used this address and it is causing confusion and potential harm to my credit profile. 
Please remove this incorrect address from my credit report at your earliest convenience. appreciate your prompt attention to this matter. Please confirm in writing that this incorrect address has been removed from my credit report. If you need any additional information or documentation, please contact me at the phone number or email address provided above. 
Thank you for your cooperation.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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/updated. 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 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 XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-08-26
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (VA)

This complaint is regarding my XXXX  XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX On XX/XX/XXXX2024 I made a payment of {$700.00} using my XXXX debit card with customer service rep over the phone. 


On Saturday, XX/XX/XXXX24 I attempted to use my XXXX XXXX at a local XXXX and it was declined at XXXX XXXX of Sale. I was shocked and embarrassed so I checked my balance and it showed I had plenty of available credit to cover XXXX cups of coffee. 

I called XXXX XXXX XXXX customer service, and was told that was there an hold on my payment until the payment cleared and also was considered to be a large payment. I asked what is the benefit of using a debit card to make a payment.
Consumer complaint received 2024-08-26
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 (NY)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( XXXX XXXX XXXX ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per XXXX XXXX effective immediately and indefinitely.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within XXXX  days.
Consumer complaint received 2024-08-13
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. (IL)

In accordance with the fair credit report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, 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 : States a Consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer report 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 2024-08-13
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. (NC)

You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. 

Please see the attached disputes sent over the last few months.
Consumer complaint received 2024-08-02
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. (PA)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (KY)

US Bank is not honoring the bonus of {$400.00} even if maintained the salary deposit of $ XXXX for 3 months. Called multiple time and confirmed that Bonus code was correct, visited office at well at XXXX XXXX. 

Initially got some response, but past few weeks no response of my email. Please help me here, as I have blocked my money for more than 4 months to get the bonus.
Consumer complaint received 2024-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

During a trip to XXXX XXXX for a family funeral, I accidentally left my phone at a local XXXX XXXX. Upon realizing my mistake, I called the store, and they kindly informed me that my phone had been found and was being held for me. I returned to pick it up around XXXX PM. However, when I got home, I noticed several unauthorized charges from XXXX. I immediately reported the issue, and the representative informed me that my card had been used via XXXX XXXX. I promptly removed my card information from all applications and ordered a new card, refraining from adding it to any payment platforms. A few days ago, I received a call from Chase while at work, but no message was left, and when I attempted to return the call, the number was unreachable. I contacted their XXXX XXXX  and was told a message would be relayed to the XXXX. This evening, I was alerted that my credits had been reversed, causing my account to become overdrawn. This is blatant fraud and incredibly shady on Chase 's part. As a military family living paycheck to paycheck, we can not afford to keep allowing Chase to enable fraud, only to be penalized and held responsible ourselves. How is this legal? How are we being protected? Chase doesn't truly investigate ; they just tick off a checklist to appear compliant. Unfortunately, this isnt my first negative experience with Chase. On a previous occasion, while I was in a college library in California, I bought a smoothie, and within seconds, I received a text alert that my card was used on a website in Texas. Despite reporting it and following the same process, Chase reversed my credits within a week, claiming there was nothing they could do.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I am requesting the removal of the late payment currently reflected in my credit report. This late payment record is negatively impacting my credit standing, and I believe it should be removed due to the circumstances explained below. 


I trust that the necessary steps will be taken to correct this error and ensure my credit report accurately reflects my payment history. I request written confirmation once the late payment has been removed from my credit report.
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: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

I am writing to formally dispute the accuracy of a collection account listed on my credit report. This is a fraudulent activity and must be DELETED IMMEDIATELY. The account in question is XXXX. I believe this account to be erroneous and request that it be removed from my credit report immediately. I dont know who you are representing because I dont have any business with XXXX XXXX XXXX XXXX you claim you are representing. Upon Pulling my credit report profile, I can not trace this collection to any lender. 
To substantiate the validity of this debt, I request that you provide me with a copy of the purchase agreement or assignment contract between the original creditor and PORTFOLIO RECOV ASSOCIATION. This documentation will help me establish that PORTFOLIO RECOV ASSOCIATION has the legal right to collect this debt. If the collection account can not be substantiated with proper documentation, I expect it to be removed from my credit report immediately.
Consumer complaint received 2024-08-26
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. (PA)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had three late payments on an account that I in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments ; Ive attached a copy of my report to this complaint on the following dates ( XX/XX/year> ). I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified, I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

My accounts 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 to be removed/updated. 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. 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!
Consumer complaint received 2024-10-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

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 2024-08-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (GA)

Consumer Laws to Use to Remove Collections : XXXX  Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on your consumer report. 

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) XXXX agency is violating your consumer rights by using false misleading, misrepresentation and deceptive means. 

XXXX  agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A
Consumer complaint received 2024-08-25
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: BARCLAYS BANK DELAWARE (FL)

On XX/XX/XXXX, I received an email stating that a hard inquiry was ran on my credit report by Barclays Bank of Delaware on XXXX XX/XX/XXXX. 

I have not applied for credit or have credit with Barclays bank so I called and they couldnt tell me how they got my information, or Social Security number which is quite scary! 

I sent an email to Security division over the weekend to no avail. 

If they ran my credit report, they know what they ran it for? No one could answer that question for me and I dont know what to do.
Consumer complaint received 2024-08-25
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (MI)

THESE INACCURACIES ARE CAUSING SIGNIFICANT DAMAGE TO MY CREDITWORTHINESS AND FINANCIAL WELL-BEING. 


I HAVE THOROUGHLY REVIEWED MY CREDIT REPORTS FROM ALL THREE MAJOR CREDIT BUREAUS, AND I HAVE IDENTIFIED Some COLLECTIONS ACCOUNTS THAT DO NOT ACCURATELY REFLECT MY FINANCIAL HISTORY. THE INACCURACIES INCLUDE ACCOUNTS THAT DO NOT BELONG TO ME BECAUSE THE DEBT COLLECTOR PURCHASED THEM, AND I HAVE NEVER ENGAGED IN ANY BUSINESS TRANSACTIONS WITH THE THIRD-PARTY DEBT COLLECTOR. 
BELOW ARE THE DETAILS OF THE INACCURATE COLLECTIONS ACCOUNTS Please send all documents of proof that you are legally authorized to obtain my information and collect because I did not authorize any of this stuff Org creditor : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-25
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (IL)

On XX/XX/year> I called in to my Bestbuy Citi Bank credit card services to pay my bill that was due on XX/XX/year>. I made my payment over the phone with a live representative the day before it was due in the amount of {$100.00} in which at the time I only had {$49.00} due. However in the mist of me paying a day early with a live rep and above the minimum payment due this credit card company have placed a restriction of use, late fee and have a automated calls sent to me throughout out the day or when I call you in system saying I have not made a payment. This has been going on for the last couple weeks for this incident and they have had my payment took out of my bank since I made over phone payment on XX/XX/XXXX. Moreover this year alone the bank has been wrongly posting/documenting some payments that were supposed to have been allocated towards a promotional balance that is due to expire in XXXX. Nevertheless I have pretty much a 100 % good payment history with them but yet my credit card is currently on restricted use and being reported in their system as a late, non-payment with late fee in spite of them being paid before hand. They claim they are working on the matter on certain calls but on other calls Im being told its fixed. Please help with the mistreatment of this company. I should not be mistreated when I have not done anything to deserve this. I have followed all the guidelines of credit card company but being victimized??? As a courtesy and an ongoing inconvenience I should be issued a monetary credit and as wells a fix the mishaps that keep taking place on my account without a justifiable cause. This is a hardship and making it hard to trust the company going forward.
Consumer complaint received 2024-08-25
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE (OR)

I attended a timeshare presentation for Wyndham resorts while traveling out of town. I was informed my personal information that I provided, like social security number, was needed to ensure I have not attended a previous presentation. Unbeknownst to me, the forms I entered my information on was a credit application, the individual reviewing the forms with me covered the details with their hand as they were quickly providing an overview of the page. I asked several times if this was going to result in a credit card and was advised it would not. I also advised the multiple sales representatives several times that I was working on opening a mortgage, so I could not have any new credit accounts or inquiries. I found a credit card was opened when it was mailed to me after the timeshare sales presentation. I was told the signature I provided was to ensure I would never attend a presentation again because I had declined to purchase a timeshare. I closed the card as soon as I was aware, no charges were ever made to the card.