davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-20
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-07-01
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. (NY)

I recently review a copy of my credit report and notice I had a fraudulent account on my report. Please remove that collection account, that I have with XXXX, since they are hurting my ability to obtain credit. They are NOT my original creditor, which was stated in the reports I've collected and send proof on the documents below.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

See Attached. Equifax has violated my rights under the FCRA by willfully being noncompliant to 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) by not following procedures to follow maximum possible accuracy when preparing a consumer report. On the XXXX Account Number XXXX XXXX, you can see there was no adequate investigation performed. In the payment history section from XX/XX/XXXX to XX/XX/XXXX CO for charge off is being reported as a payment each month. This is a charged off account meaning it is closed because the debt was cancelled so how can there be an update to the payment history each month? It says the date of last payment is XX/XX/XXXX but if you look at the payment history it has XX/XX/XXXX marked as XXXX  days late but how can it be XXXX  days late if a payment was made? in XX/XX/XXXX and XX/XX/XXXX they both say XXXX  days late but it's impossible to be XXXX  days late XXXX months in a row. In XXXX XXXX, XXXX, and XXXX all say XXXX  days late but how can it accurately report XXXX  days late XXXX months in a row on my report? It says delinquency first reported is XX/XX/XXXX but how can that be if the first negative remark is XXXX  days late on XX/XX/XXXX? Also how can the date of first delinquency be XX/XX/XXXX if a payment was made that day and also the first delinquency is shown as XX/XX/XXXX? Under 15 U.S. Code 1681 ( a ) ( 1 ) congress made the finding that The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. I've pointed out all these inaccuracies after Equifax 's Investigation yet they still reported back the account as updated and verified which goes directly against each law I have mentioned in this complaint.
Consumer complaint received 2024-08-04
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. (TX)

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 XXXX XXXX XXXX XXXX XXXXXXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 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 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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

XXXX Acct # XXXX has violated my rights XXXX XXXX Act # XXXX has violated my rights XXXX XXXX Acct # XXXX has violated my rights XXXX XXXX XXXX Acct # XXXX has violated my rights XXXX XXXX Acct # XXXX has violated my rights XXXX XXXX Acct # XXXX has violated my rights XXXX XXXX acct # XXXX has violated my rights XXXX acct # XXXX has violated my rights XXXX  XXXX Acct # XXXX has violated my rights XXXX  XXXX Acct # XXXX has violated my rights XXXX XXXX XXXX XXXX Acct # XXXX has violated my rights XXXX XXXX Acct # 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. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681 ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse items of information other than records of convictions of crimes which antedates the report by more 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 2024-07-01
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. (IN)

1 ) XXXX XXXX XXXX acct beginning in # XXXX I disputed that account with XXXX, XXXX, and Experian to no avail. The account was reported on my credit report without contacting me in writing about the debt. Which is debt parking and is illegal. 

2 ) XXXX XXXX XXXX acct beginning in XXXX was reported on my credit report without contacting me in writing about any bill that I owe or if they intend to report it. I disputed it with Experian, XXXX, and XXXX with no avail. It is considered Debt Parking and is illegal. 
3 ) XXXX XXXX XXXX account beginning in XXXX was reported on my report without contacting me in writing prior to reporting it on my credit report. I have disputed this account with Experian, XXXX, and XXXX with no Avail. This is considered Debt Parking and is Illegal. 
4 XXXX XXXX XXXX XXXX account beginning in XXXX was reported on my credit report without contacting me prior to reporting to my credit report. I have disputed it to Experian, XXXX, and XXXX to no avail. 
5 XXXX XXXX XXXX XXXX account beginning in XXXX was reported on my report without contacting me in writing prior to reporting it on my report. I have disputed it with Experian, XXXX, and XXXX to no avail. It is considered Debt Parking and is illegal.
Consumer complaint received 2024-07-01
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. (MO)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-09
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: EQUIFAX, INC. (TX)

I am writing to express my deep dissatisfaction and frustration regarding the numerous unsuccessful attempts I have made to correct the information associated with my account. I believe it is essential to bring this matter to your attention and request prompt resolution to rectify the issues I have encountered. 

I first noticed discrepancies in my account information and immediately contacted your customer service department to address the issue. I provided the necessary details and was assured that the matter would be resolved promptly. 

Despite the assurance, the issue persisted. I made a follow-up call to your customer service, explaining the situation again and expressing my concern about the delay in resolving the issue. 
Regrettably, the problem remains unresolved despite multiple attempts on my part. The lack of progress has caused considerable inconvenience, and I am disappointed with the level of service I have received. 
I understand that errors can occur, but the repeated failures to correct a straightforward issue have raised serious concerns about the efficiency and effectiveness of your customer service process. As a valued customer, I expect a higher standard of service and a swift resolution to this matter. 


I request an immediate and accurate correction of the information associated with my account, ensuring that all details are accurate and up-to-date. 
Investigation I urge your team to conduct a thorough investigation into the root cause of these repeated errors to prevent similar issues from arising in the future. 
Communication I expect clear and timely communication regarding the steps being taken to rectify this situation. Regular updates on the progress of the resolution would be greatly appreciated. 
Compensation Given the inconvenience and frustration caused by these repeated errors, I request fair and appropriate compensation for the time and effort expended in attempting to resolve this matter. 
I trust that you will treat this matter with the urgency and seriousness it deserves. As a loyal customer, I believe in the importance of maintaining a positive and constructive relationship with your institution. I am asking for your assistance to correct these late open account in my credit file : XXXX XXXX  Balance Owed : {$0.00}.
Consumer complaint received 2024-07-01
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. (MD)

I formally requested XXXX, XXXX, and Experian to investigate an fraudulent account on my credit report, after providing them with my personal information including ID and social they forwarded/ sold all my documents to the party in question. Waited more than 30 days to respond then emailed me saying the investigation was complete without providing any valid evidence or proof of their claims. I am a victim of identity theft and fraud
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

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 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 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 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Hello, I am contacting you on behalf of inaccurate information being reported on my credit report. In accordance with the fair credit reporting act Capital One creditor has violated my rights. Under 15USC 1681, Section 602, states I have the right to privacy. 15USC 1681, section 604A Section 2, also states that consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 's 1666 B, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Capital one has reported that I had a late payment of {$40.00} XX/XX/2023. The payment was not late 30 days. I have an excellent track record. I am requesting that this late payment be removed from my credit report.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1300.00}
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I am writing to express my extreme dissatisfaction and frustration regarding the numerous unsuccessful attempts and delayed correction of the late opening of my accounts with Credit Bureaus. Despite multiple communications and persistent efforts on my part, the issue of late account openings persists, causing significant inconvenience and frustration. 



Initial attempt to open the accounts was made, but I encountered issues with the process. 

Contacted customer service immediately and was assured that the issue would be resolved promptly. 

Followed up on the progress, only to find that the problem persisted. Customer service assured me that it was being addressed. 

Subsequent attempts to open the accounts were made, yet the issue continued to persist. 

Numerous calls and efforts were made to customer service, each time receiving assurances that the matter was being escalated, but the accounts remain unopened. 

The prolonged delay in correcting these issues has not only hindered my ability to access the accounts ' services but has also created unnecessary stress and uncertainty. 

I urgently request the following actions : Immediate and expedited investigation into the root cause of the late account openings.

Transparent communication regarding the steps being taken to correct the issues.

Swift resolution and correction of the account opening problems, with confirmation of the successful resolution.

Assurance that these issues will not impact my accounts ' functionality or standing once resolved.

Compensation for the inconvenience and any potential financial impact caused by the delayed account openings.

I insist on a resolution within the exact time frame from the date of this letter. Failure to address this matter promptly will compel me to escalate my complaint through appropriate regulatory channels. I am asking for your assistance to correct the late open accounts in my credit file XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX {$8400.00} XXXX XXXX XXXX XXXX Balance : {$20000.00}.
Consumer complaint received 2023-11-07
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (AL)

I called Syncrony Bank, who finances my Lowe 's card about a fee that was applied to an outstanding balance of {$14.00}. I was charged an additional {$14.00} late fee and an additional {$2.00} in interest resulting in {$16.00} applied to an outstanding balance of {$14.00} that was a week late. I asked if this was a mistake and I was told that it wasn't. So I asked what is the late fee policy because this seemed insane. I was told that it depends on the situation, leaving me to wonder how much of a late fee would be applied to a larger purchase. I asked for my account to be closed and paid my balance including the fees. I'm not an attorney, but this doesn't seem legal.
Consumer complaint received 2023-12-20
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

I spent {$33.00} on my amex credit card and set up auto pay with the instructions, However I was not realized that the auto pay only to a specific hard not the whole account, AMEX didnt send me a prompt notification, now I received a bill of {$220.00} include fees and interest. 

1. Amex didnt send a prompt notification when a payment is not received. They only send an email saying that due day is tomorrow, but never mention whether a payment is scheduled or received. They wont send a past due reminder until its months late. 

2. They over charge fees and interest. Although I have already paid {$40.00} to them, which is more than what I spent. They are still charging late fee on late fee, interest on interest. The amount they are asking is 8X of what I spent, The minimum payment they required includes all the late fee and interest, which makes me harder to pay and generates more late fee and interest,
Consumer complaint received 2023-12-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (DE)

I CONSUMER XXXX XXXX DISCOVERED I WAS A VICTIM OF IDENTITY THEFT XX/XX/2023. SINCE THEN NUMEROUS OF COLLECTION ACCOUNTS HAVE APPEARED ON MY CREDIT PROFILES. HERE IS ANOTHER ACCOUNT FROM XXXX SOLD TO SUNRISE CREDIT SERVICE. THIS ACCOUNT IS FRAUD AND NOT VALID. SECOND THIS COMPANY NEVER CONTACTED TO ME TO VALIDATE THIS DEBT BEFORE PLACING IT ON MY CREDIT REPORT 1682C-2. IM WELL AWARE THAT I HAVE THE RIGHT TO DISPUTE A DEBT PRIOR TO COLLECTION. THIS COMPANY IS IN VIOLATION OD FCRA 615 ( F ) ( 15 U.S.C. 1681M PROHIBITION ON SALE OR TRANSFER OF DEBT CAUSED BY IDENTITY THEFT. UNDER THE FCRA THIS ITEM IS NOT VALID AND CAN NOT APPEAR ON MY CREDIT REPORT WITHOUT SUPPORTING DOCUMENTS OF VALIDATION OR PROOF A LETTER WAS SENT TO ME 30 DAYS PRIOR TO THIS REPORTING ON MY CREDIT ASKING FOR VALIDATION. LASTLY A DEBT THAT IS IDENTITY THEFT CAN NOT BE SOLD OR PURCHASED.
Consumer complaint received 2024-07-01
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)

Experian XXXX XXXX XXXX 
XXXX, TX XXXX Account : XXXX Date open : XXXX XXXX, XXXX Amount charge off : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Your company is violating the FCRA by allowing this erroneous account information from this company to be reported incorrectly and inaccurately. This is a direct violation of the FDCPA, TAX Regulations, PRIVACY ACT OF 1974 and the FCRA. This company has no legal rights to a charge-off. As stated by the IRS, If your debt is forgiven or discharged, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay. Cancellation of a debt may occur if the creditor can't collect, or gives up on collecting, the amount you're obligated to pay. In general, if your debt is canceled, forgiven, or discharged, the amount of the canceled debt is taxable. If taxable, you must report the canceled debt on your tax. 

The key word in what the IRS definition of a charge off was you dont have to pay, so you can not attempt something that is canceled and written off as a tax deduction. 
a Form 1099-C, means an applicable entity has reported an identifiable event to the IRS regarding a debt you owe.

15 usc 1681a ( 2 ) definition rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; This explains that transaction ( payment history ) or ( experience ) chargeoff collection late payments between the consumer ( me ) and the person ( business ) making the report does not go on a consumer report. Furthermore showing how illegal this account is according to the fair debt reporting act.
Consumer complaint received 2023-12-20
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I opened the Capital One Venture X credit card on XXXX XXXX XXXX I was assessed an annual fee of {$390.00} on XXXX XXXX XXXX. I called Capital One on XXXX XXXX  in an attempt to close the account and refund the fee. My call log shows I was on hold for 54 minutes but was unable to speak to a representative. I called again today XXXX XXXX XXXX  and spoke to an agent who informed me I could not receive a fee refund because 40 days had passed since the fee was charged, and 39 days was the limit. I informed the agent that the fee was charged early ( prior to the anniversary of the card ). They did not care. I pointed out I had called before but was unable to speak to a representative. They did not care. 

I want the fee refunded and the card cancelled. 

The employee I spoke to is : XXXX XXXX XXXX XXXX XXXX