davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Service Bureau, Inc. (KS)

I have been going back and forth with this agency for weeks, I first scheduled a payment online to be paid half of what i owe which was {$110.00} paid on XX/XX/XXXX. I then received a call stating that i still owed the full amount of {$220.00} and i explained that i have receipt and payment shown on acct and that they needed to locate the payment and apply it to the account. they then advised me that they would like into it but continue to push for more payment when they couldn't even locate my initial payment. I explained to them once they can apply it to my account to call and we can figure out the rest of payment for the amount still owed. They never called but then proceeded to charge my account without my approval for {$56.00} on XX/XX/XXXX. I called the company which is Midwest Service Bureau to complain about this and yet they still had not located my previous {$110.00} payment. a week goes by and they finally credited my account for that payment plus the {$56.00} that i did not approve to be pulled out of my account. I call then to get the new balance which the lady i spoke with said my account was paid in full, which was incorrect as i should still owe {$56.00} and they said well let us investigate this and get back in touch. they never called me back so again i called a week later and they still were not sure why it showed {$0.00} balance when i owed {$56.00} so at that time i spoke with a manager and paid the remaining balance of {$56.00} on XX/XX/XXXX and got receipt notification of it. but then AGAIN i get a text this morning that i still owe a balance of {$56.00} and to pay the remaining balance online.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

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 XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.
Consumer complaint received 2019-12-02
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Jonathan Neil & Associates, Inc (WA)

They sent me a letter on XX/XX/2019 stating I owe them a debt. They have since been very disrespectful and harassing towards me. One specific person Mr. XXXX XXXX has told me on multiple accounts that he will have my drivers license suspended, that I am irresponsible, that I am a child, I am immature, I have poor financial responsibility. He is very rude. Today (XX/XX/2019) he called me 6 times from a blocked phone number. He left me an anonymous message stating his name and that he “suggests I call him back by close of business today” intending a threading “or else” message. I’m very sick of it. I tried to be kind and work out a payment arrangement with them and he has done nothing but make threats and be disrespectful and belittle be as a person. They should not even be allowed to practice given the fact that they have horrible reviews everywhere. Be aware of them! They are violation the fair debt protection act!
Consumer complaint received 2024-10-21
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: Chime Financial Inc (VA)

The credit builder was NEVER A UNSECURED CREDIT CARD IT WAS PREPAID I COULD ONLY USE WHATEVER AMOUNT I LOADED ON THE CARD I DID OWE ANYTHING WHEN I CLOSED IT MYSELF I FELT IT WAS SUSPICIOUS AND WAS XXXX THEY PLACED THIS XXXX ON MY CREDIT I WANT IT REMOVED IMMEDIATELY
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Convergent Resources, Inc. (NC)

In XX/XX/XXXX, a collection account with Convergent Outsourcing was opened, referencing a debt originally owed to XXXX XXXX. The account was fully paid and closed as of XX/XX/XXXX, yet it is still being reported on my credit report, which is unfairly impacting my credit score. 

I never had a direct contract with Convergent Outsourcing, and there was no agreement made between myself and the debt collection company. Despite the account showing as paid and closed, it continues to appear on my credit report, which is inaccurate and harmful. 

I have taken the following actions : Paid the balance in full as of XX/XX/XXXX. 
Verified the status with XXXX XXXX that the debt was resolved. 
I am requesting that the Convergent Outsourcing account be removed from my credit report as I never directly contracted with them, and the debt is fully resolved. 

Please take immediate action to have this account removed from my credit file, as the continued reporting is damaging my credit unfairly. ( Account XXXX )
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (HI)

I noticed inaccurate personal information on all 3 credit bureaus : Experian, XXXX and XXXX personal credit report and disputed inaccuracies with a letter sent XX/XX/year> requesting investigation, and if information found to be " verified '' to describe action and supportive evidence to " verified '' finding. They left 1 name and 2 addresses that were reported as false with no supportive documentation for findings of " verified '' although they are inaccurate. 
The information that is inaccurate are : Name : XXXX XXXX XXXX Adresses : - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I humbly request a investigation regarding these reported inaccuracies and if found to be inaccurate to promptly correct and remove inaccurate information on my credit reports.
Consumer complaint received 2024-10-27
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 accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

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 2024-10-27
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. (FL)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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. 

These addresses are listed on my credit report that are not mines : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (CA)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collection/Charge Off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Personal Information : Employers : XXXX PLUS Employers : XXXX XXXX XXXX Employers XXXX XXXX XXXX XXXX XXXX, CA XXXX : XXXX XXXX XXXX Former : XXXX XXXX Previous XXXX XXXX XXXX ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX Address ( es XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX CA XXXX Also Known As : XXXX, XXXX, XXXX Name : XXXX XXXX Name : XXXX XXXX XXXX
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS
Consumer complaint received 2024-10-21
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NY)

In XXXX, the average credit card interest rate is 22.63 %, which is a significant increase from XXXX when the average was 16.98 %. Credit card interest rates are usually based on the prime rate, plus a margin that varies by card and the cardholder 's credit history. As of XX/XX/XXXX, the prime rate is 8.00 %. 

As of XX/XX/XXXX, I am being charged 34.49 % on Macy 's credit card account in addition to a late fee of {$31.00}. I missed a payment as I was ill in XXXX. As a long time customer of Macy 's, I consider these charges now to be predatory and excessive.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TN)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-09-09
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. (FL)

My repeated efforts to resolve the issue of false, inaccurate, and misleading information on my consumer report have been unsuccessful. These entries have severely affected my life, causing considerable distress. I emphasize that I never authorized or agreed to have this information linked to my identity, as I have been a victim of identity theft.
Consumer complaint received 2024-09-09
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 a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX Inquiry XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-09-09
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. (TX)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Consumer complaint received 2024-09-09
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. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-09-09
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. (NY)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 
XXXX XXXX XXXXXXXX Balanced : {$0.00} XXXX XXXX XXXX Balanced : {$830.00}
Consumer complaint received 2024-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NJ)

On XX/XX/XXXX filled an dispute with chime for the amount of XXXX due to an issue with an atm dispensing money. On XX/XX/XXXX I received an email stating the investigation was completed and claim was denied. How is that possible that chime in one day completed an investigation without even requesting the information from the atm merchant? This is not the first time I have filled a dispute with chime and even in the past I have being denied the claim in less than 24 hours. Banks are requested by law to investigate all claims. In the past I had to contact consumer financial protection bureau and even started a lawsuit against chime for not complying with the dispute process.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-10-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (LA)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-10-27
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. (PA)

This morning, I was alarmed to see unauthorized inquiries on my credit report, which I can't explain. I checked my report as usual, only to find unexplained discrepancies that werent there before. After refreshing my browser in hopes it was an error, I saw the entries were still there. I need an immediate and thorough review of my submitted documents, so I no longer have to worry about this issue.
Consumer complaint received 2022-11-27
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: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Bank of America card ending in XXXX had two unauthorized transactions totaling XXXX. I wrote the company in XX/XX/2022 to file my fraud assertion. The company removed the amounts and then rebilled them claiming that my address was used as part of the transaction verification. I subsequently wrote back indicating the transactions were not authorized and that they needed to be removed along with any subsequently billed fees and interest. 
I continued to receive billing statements with the rebilled amounts plus fees and interest now totaling {$180.00}. 
I received a form letter recently that asked for me to call. Their records will show that I made at least two attempts to have my issue addressed but no phone agent was able to either direct me to the appropriate department or was able to assist with my account. 
In addition to a full credit for the fraudulent charges and fees, I need written assurance that any subsequent late payment reporting to the credit reporting agencies has been cleared.
Consumer complaint received 2024-09-09
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 submitted this complaint to update these suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-21
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Avant Holding Company, Inc. (IL)

Avant sent me an email XXXX explaining that the program I was put on when I had XXXX in XX/XX/XXXX was not stopped and went on until XX/XX/XXXX. The email explained that I would not have to make any payments and would not have any interest until after the program ended. 

BECAUSE OF THEIR MISTAKE, I am paying XXXX in fees. This was not MY error it was THEIRS. I should not be penalized for something someone in their company did.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I'm contacting you regarding fraudulent personal information linked to my identity. Accounts and transactions have been wrongly attributed to me without my awareness or authorization, causing considerable anxiety. As a victim of identity theft, I've already reported this incident. This situation urgently needs addressing, as it has negatively affected my financial status and reputation. I request your assistance in swiftly removing all fraudulent data from my credit report and thoroughly investigating this issue. I'm prepared to provide necessary evidence and, if needed, pursue legal action to safeguard my rights and seek appropriate redress. Your immediate attention to this pressing matter is greatly valued.