davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-16
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)

Subject : Dispute of Late Payment Record for Account [ XXXX XXXX XXXX XXXX ] Dear CFPB I am writing to dispute the accuracy of late payment information reported on my credit report for account [ XXXX XXXX XXXX XXXX ]. Upon reviewing my credit report, I noticed that late payments were recorded for this account. However, I have always made timely payments and have never missed a payment on this account. 

I kindly request a thorough investigation into this matter and ask that you provide documented evidence, such as billing statements or payment history, demonstrating any late payments. If you are unable to furnish such proof, I ask that you promptly update the status of these payments to reflect their true standing as on-time. 

I trust that you will handle this matter with the urgency and accuracy it requires, as credit reporting plays a crucial role in maintaining a consumer 's financial integrity. 

Thank you for your attention to this matter, and I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2022-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge 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. (VA)

My problem is a little complex, because Citibank Credit cards, has been billing me for a fraudulent Charge form an XXXX company about 8 months ago, I dont have the exact date and details about the transaction because my E mail inbox was hacked or suffer a virus attack that wiped out all my information about online credit card activitie.

Also Citibank has refuses to send me written statement about the transactions whre I can see the exact date and details of the fraudulent charges, on specifically the XXXX Citi Cards now closed. 
They not even let me open an online account with hat XXXX credit card, and the latest bill for the period XXXX was for {$790.00} to " account ending in XXXX '' I dial de automatic number for information and the account is " closed ''. 
I have talk many times for several months with customer services or with a " fraud specialist '' and they assured me that the problem was resolved and no charges dues by me. Please I need help, I want the Citibank to send me written statements of XX/XX/2021 to date, to dispute the charges with better information and details of the transactions., enclosed are my leter to them and copy of latest bill.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

My account with Experian 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.

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.

Experian 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 2024-09-16
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. (IL)

I have not supplied proof under the doctrine of estoppel by the silence of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presumed that no proof of the alleged debt. Nor therefore any such debt in fact, therefore exist.. ( please remove this account before I seek litigation for defamation of character ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-29
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: TD BANK US HOLDING COMPANY (NY)

My husband and I opened this joint personal savings account # XXXX on XX/XX/year>. We specified that we are a legally married man and woman and want a joint marital savings. TD Banks XXXX XXXX did not listen to our instructions or want to recognize our marriage as our legal relationship and proceeded to create the account treating us as two separate adults. She placed my husband in the first position on the account. We asked the reason for the TD hierarchical structure policy of positioning a married couple on a joint account? We were told : the first position is recognized for IRS tax liability and interest reporting We would like TD Bank to identify the specific IRS tax codes and US Federal/NY State Banking regulations that authorizes TD to induce a hierarchical order on a personal joint savings account? In addition, we want TD to identify the US Federal and NYS State Domestic relation laws that authorize TD to impose their patriarchal ideology by creating a ranking order ( 1 male, 2 female ) upon married joint account owners?

We want answers to our questions the TD staff at the local branches do not want to answer.

1. Why are we receiving quarterly statements in the mail for our personal savings account instead of normal monthly statements?

Details about source of funds deposited 2. Identify the 1st bank and their account number for the XXXX XX/XX/year> ACH deposit of {$980.00}. Whos name ( s ) on our account did the 1st bank issue the XXXX refund to? 
3. Identify the 1st bank and their account number for the XXXX XX/XX/year> ACH deposit of {$4.00}, XXXX Whos name ( s ) on our account did the 1st Bank issue the IRS TREAS 310 TAX REFXXXX  AS ACH DEPOSIT to?
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

NAME : XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at ( XXXX XXXX XXXX XXXX ) on XX/XX/XXXX, an loan account open with ( XXXX XXXX XXXX XXXX  on XX/XX/XXXX, an other account ( XXXX XXXX XXXX ), and another account ( XXXX XXXX ). These accounts have resulted in collections/charge-offs appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and ineesitofCentythetand fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX XXXX XXXX XXXX that all of the
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. These accounts should not be furnished on my consumer report as they are in VIOLATION!!! In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S.Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2024-10-29
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Portfolio RecoveryAssociates Portfolio RecoveryAssociates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Debt Validation Dear Portfolio RecoveryAssociates, I am writing to formally request validation of the debt referenced in your recent communication dated [ insert date of the debt collectors notice ]. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification of the debt you claim I owe.

Please provide me with the following information : The amount of the alleged debt.

The name of the original creditor.

A copy of the original contract or agreement that created the debt.

A detailed statement of the account history, including any payments made.

Documentation proving that you are authorized to collect this debt on behalf of the original creditor.

Until I receive this information, please cease all collection activities regarding this debt, as required by law.

Thank you for your prompt attention to this matter. I look forward to your response within 30 days.

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/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 2022-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (DE)

Synchrony Bank and PayPal have blocked my ability to access the credit portion of my account. Paypal blames synchrony, Synchrony blames pay pal. In the meant time, I have NO STATEMENTS I can access for various purposes. This is a circular process, being transferred back and forth between the two with no one taking responsibility.
Consumer complaint received 2024-09-16
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 am writing to formally address your agency 's failure to remove certain items from my credit report, despite my dispute letter sent over 1 year ago ( XX/XX/year> ). In that letter, which is both dated and time-stamped, I provided clear evidence and requested the removal of specific items. However, these items remain on my report, which directly violates my rights under the Fair Credit Reporting Act ( FCRA ). Additionally, as outlined in 15 U.S. Code 1681b, Permissible Purposes of Consumer Reports, I have never provided written consent for your agency to report any information on my consumer report. Lack of consent constitutes Identity Theft, and therefore, these accounts must be deleted immediately. XXXX XXXX XXXX
Consumer complaint received 2024-10-08
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: EQUIFAX, INC. (TN)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (IL)

I have a Citibank credit card with an autopay date of the XXXX of each month. I have been using autopay and pay my balance in full every month for a number of years. For the month of XXXX, I was expecting the full statement balance to paid and withdrawn from my XXXX XXXX  account on the XXXX of the month. Much to my surprise, on the XXXX, the payment of {$9300.00} was deducted from my XXXX account. I called Citi and they said this is something they have " seen happen since their most recent update ''. They said that sometimes autopayments were pre-authorizing 2 days in advance, causing the money to be withdrawn early. When I asked for the solution, they said I should cancel my autopayment setup. I left the call unresolved an believe it's illegal for Citibank to authorize a withdrawal from my account prior to our agreed upon autopay date. Furthermore, telling customers to cancel autopay, increasing chances of a missed payment and incurring fees seems unethical.
Consumer complaint received 2024-10-29
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Synovus Bank (WA)

I am now receiving this letter in the mail that my account is closed. This whole situation has been stressful and really shows how lack-there-of this company is in regards to it's card holders. If you see my attachments to this complaint, I followed the request of the card company and sent in my proof of bank statement in the mail to the address provided from their previous letter requesting this document of proof. I have attached the tracking and receipt, I had to pay over {$10.00} to send this in the first place and now because they give a very short time for response and mailing time that is not realistic, my account is being closed? I have never missed any payments on this card before and this is how I am to be treated? I believe I am being discriminated against and I don't know why.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX5 U.S.C 1681 Section 602 A : s I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose 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 furnished 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 reporting agency if the person knows or the reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-18
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. (KS)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that XXXX Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-25
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: Experian Information Solutions Inc. (MO)

This is XXXX XXXX and I am submitting this CFPB complaint as a follow up to the recent dispute I complaint. In accordance with the Fair Credit Reporting Act section 605b, I am demanding that the following accounts be corrected and updated as soon as possible : XXXX BANK AND XXXX XXXX Balance : {$0.00} - Your record keeping isinadequate. This item is reported as past due but the account is closed with a XXXX balance. Correct it now. Provide evidence that false information hasn't been reported or remove it. 
XXXX XXXX XXXX XXXX Balance : {$0.00} - The item on my report is inaccurate. The account is closed with a XXXX balance, yet it's reported as past due. Please fix this immediately. Either provide proof that you haven't reported false information or remove it. 
XXXX XXXX XXXX : {$0.00} - Despite my request for an investigation and the removal of the charge-off status, no action was taken. Not only was no investigation conducted, but you also chose to neglect this matter despite having ample time to address it. I demand that you remove this item immediately, as it is unacceptable to leave it on my record without taking any action.
Consumer complaint received 2024-09-16
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. (NC)

I AM A VICTIM OF XXXX XXXX AFTER FINALLY GAINING BACK ACCESS TO MY PERSONAL INFORMATION I NOTICED A SLEW OF ACCOUNTS THAT I NEVER CONSENTED TO BEING OPENED NOR HAVE I UTILIZED. I WAS ABLE GET SOME ASSISTANCE WITH VIEWING ALL MY CONSUMER REPORTS AND CONTACTING THE CREDIT REPORTING AGENCIES. 

CONTINUING TO FURNISH THESE FRAUDULENT ACCOUNTS TO MY CREDIT REPORT IS IN VIOLATION OF BOTH 15 USC 1681 C-2 AND 15 USC 1681 C-3.

EACH REPORTING AGENCY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY AND DUE TO THE UNFORTUNATE EVENTS, THESE ACCOUNTS WERE SUBJECT TO REMOVAL WITHIN 4 BUSINESS DAYS.

AS I HAVE GOTTEN BACK ON MY FEET, THESE ACCOUNTS ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN NEW LINES OF CREDIT FOR MYSELF. MY CONSUMER LAWS ARE BEING VIOLATION WITH THESE FRAUDULENT ACCOUNTS BEING REPORTED. 

I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.