davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (GA)

A debt collector by the name of XXXX XXXX contacted my father more than once about a debt that was mine and not his. He talked to him in XXXX, XX/XX/XXXX, and XX/XX/XXXX. Mr XXXX violated FDCPA by repeatedly disclosing information to my parents about the debt, including the name of the creditor, account open dates and account balance without having authorization to speak to them. My mother also talked to Mr. XXXX on XX/XX/XXXX and he shared details about the debt with her as well. 

After receiving the contact information for him, I called on XX/XX/XXXX and XX/XX/XXXX. I first spoke with Mr. XXXX, on XX/XX/XXXX and requested a copy of the validation notice which he said was sent on XX/XX/XXXX and he refused to send a copy of the letter. He claimed it would be considered harassment to send the letter again. This makes no sense to me if Im requesting proof that this is not a scam. In an effort to verify this information, I called Synchrony Bank and spoke with XXXX at XXXX XXXX XXXX and she told me the account was closed on XX/XX/XXXX. I did not receive anything to provide details about what was happening but obviously this did not align with what Mr XXXX said earlier. 

He also implied that there is an attorney involved, and would not provide who the client that he was calling on behalf of, and demanded the total of {$4400.00} be paid by XX/XX/XXXX, and later offered a lower amount if I agreed to pay immediately. 
I told him I did not have that much and offered {$400.00} a month to pay on the account and he stated the client wouldnt accept the offer of payment and would not provide contact details of him or his client. He also mentioned that my wages could be garnished for the amount of the debt and legal fees, even though I still haven't received any information about the debt at this time. 
He most recently left a message on XX/XX/XXXX saying they are going to begin employment verification. I saved this message and can forward it if necessary. He is saying this will be done even though I have not received any correspondence on this matter in any capacity about this debt.
Consumer complaint received 2023-04-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (FL)

This is a FRAUDELENT XXXX charge for an unrequested security system installed in a newly purchased home ( without permission to enter the premises ) during a XXXX service call to initiate cable service in a XXXX XXXX premises. The technician gained entry when a remodeler let him in. They FORGED my signature to installation paperwork. I was not even on the premises! The home already had an active security system from XXXX so I certainly never wanted a second one! The XXXX XXXX has long since got rid of XXXX as the cable provider in the community due to many complaints by homeowners about poor service and corrupt billing practices. 

I spent several hours disputing this with XXXX and their collection agencies around XXXX and XXXX. They even tried to negotiate a reduction in the fraudulent bill for their fraudulent " service ''. This matter was finally settled once and for all with all the credit reporting agencies. Now XXXX is trying to revive this fraudulent bill once again.
Consumer complaint received 2024-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BILL.COM, LLC (VA)

On XX/XX/year> submitted an initial application for BILL Divvy Corporate Card is issued by XXXX XXXX XXXX, member FDIC, but despite submitting requested information, my application was not acted on and expired within the 30 day window. Shortly after the expiration of the 30 days, I received another email asking me to come back to re-submit my application, which I did on or about XX/XX/XXXX. XXXX was approved on XX/XX/XXXX and the card received on XX/XX/XXXX. When setting up my online account access, I ran into issues and contacted customer support on XX/XX/XXXX, whereupon I was successful in getting access to my online account management tools. During this interaction, I requested confirmation that my account was enrolled in a promotional offer of spend {$500.00} and receive {$500.00} back as a statement credit. On XX/XX/XXXX, despite no new information on activity on my newly approved and opened account, I received an email notifying me that my account was being closed. I am of belief and suspicion that my inquiry on the promotional offer was a direct result leading to the closure. 

https : XXXX
Consumer complaint received 2024-09-13
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. (GA)

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and inquiries I do not recognize are continued here. 
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 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 2024-09-13
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. (TX)

XXXX XXXX XXXX Account Number - XXXX I hereby dispute the validity of the alleged debt listed below Entirely. I also request verification of the alleged debt, Specifically, a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved. I am requesting this because I have had different companies reach out to me about this same alleged debt. I am requesting immediate deletion of all prior reporting made any reporting agencies, Experian, XXXX, XXXX and XXXX. You must Cease Collection efforts until this alleged debt is validated. you must proof that you legally own this alleged debt and that it is accurate and complete. Thank you for your understanding
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

Mailed letter of dispute w/ proof of identity. Received XX/XX/year>. Received an email from Experian they refused to process it because they could not verify my identity despite being provided my SSN and DL.
Consumer complaint received 2024-09-13
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. (NC)

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.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) 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.
Consumer complaint received 2023-03-20
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. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and 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 the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXXXXXX XXXX Balance : {$380.00XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$1700.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$150.00} 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-09-13
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. (FL)

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 30 days.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (OR)

Subject : Request for Removal of Fraudulent Hard Inquiry Dear Experian Customer Service, I am writing to bring to your attention a fraudulent hard inquiry that appears on my credit report. I currently have an active fraud alert on all three major credit bureaus, including Experian. This fraud alert specifically instructs that any company attempting to conduct a credit inquiry on my report should first contact me via phone to verify the legitimacy of the application. 

The hard inquiry in question does not align with this protocol and was not authorized by me. I request that you investigate this matter and remove the fraudulent hard inquiry from my credit report. 

Please confirm receipt of this request and update me on the status of the removal process. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-13
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. (CT)

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 Account Number : XXXX and list of Inquiries. 

XXXX XXXX XXXX 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 2024-09-13
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)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (CO)

I opened up a Citi card because they were offering a balance transfer with no interest for 1 year. Once I was approved I preformed XXXX balance transfers. One of them went through fine but the second one to XXXX has not been completely done. The Citi card shows the transfer being made but XXXX does not show any payment being posted. Therefore, each credit card shows that I owe {$6000.00} each. Of which I am still being charge interests on the XXXX credit card. This was all done on XX/XX/XXXX. I have reached out to both credit cards and am not getting the information that everyone needs. Citi has provided me with a Trace id XXXXXXXX and Cust ID XXXXXXXX and a date of XX/XX/year> and payment {$6000.00}. XXXX can't not find it with this information and asked for a proof of payment showing the account number and where is was sent to. Citi credit card refuses to give me any information other than the Trace ID and Cust ID. The Citi card has verified the XXXX credit card number and it is correct. When they put the information in it comes up as XXXX XXXX. I have asked if this was the problems and Citi credit card has said no that the credit card number matches as the correct credit card number. I have had both credit card companies on the phone at the same time as well as myself to try and remedy the issue but Citi credit card refused to talk with XXXX on the phone. This has been going on since XX/XX/XXXX and no one will help me. I have opened up disputes with each credit card but to only be told that it is the other credit card that needs to handle the issue that they can't do anything.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

My account with those crediotrs 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 in those account 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. 


Never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account which is making it impossible to obtain credit. It is unclear when this account was charged off because different dates were reported. And this account has repeatedly been updated as a charged off every month. This is an update in the payment history and a charged off account should only include an active payment history. This inaccurate information falsely manipulates the statute of limitations. It is my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-13
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. (DE)

This is my several endeavors to tell you that I am a victim of identity theft, and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX Balance : {$230.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$930.00} XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX Balance : {$8900.00} XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX ) XXXX XXXXXXXX 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 2024-09-13
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. (CO)

I have XXXX credit card I know nothing about I am in a XXXX  XXXX. I have asked many time for the approval from the XXXX  XXXX Trustee that I an incure new debt. No letter has been provided. And a few more things are 2017 under the 7 year rule they should be removed. Please seen all documents. I attached to all three credit reporting agencies. I attached the suff that needs to be remover XXXX XXXX XXXX XXXX bank .applied band .and credit first bank XXXX Should send me the approval for the chapter XXXX Trustee. And the two things under thev7 year rule are XXXX XXXX XXXX  and XXXX XXXX XXXX
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My account with 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 in 60 days 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.

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 XXXX
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Im asking for your help with the incorrect account listed on my credit report. This has affected my reputation, and I require your assistance. Due to your mishandling of the situation, my credit report has caused significant damage to my standing. You must eliminate the incorrect information from my report.