davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

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

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

I demand the late payment reported to be removed/updated.

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

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

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I recently noticed that TransUnion has a hard inquiry listed that isnt mine. I hand wrote a letter to TransUnion letting them know of the issue and that it needs to be removed, and I sent it certified mail on XX/XX/XXXX. They responded to me quickly and I received a response soon after. However, they are pushing the blame on the company who did the hard inquiry to obtain the credit report. I gave them no written permission to furnish my personal information to anyone, ever. And certainly for a fraudulent inquiry.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (NC)

Dispute of Negative Accounts Request for Deletion for Non-Compliance and Inaccuracies Name on Report : XXXX XXXX Social Security Number ( Last XXXX Digits ) : XXXX Dear Sir or Madam, I am writing to formally dispute the negative accounts reported on my credit report by XXXX XXXX XXXX, XXXX XXXX, and LVNV Funding LLC. These accounts are inaccurately reported, and I am requesting their immediate deletion from my credit report due to their failure to meet compliance standards as outlined in the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and XXXX XXXX guidelines. 

Please find the accounts in question below : XXXX XXXX XXXX XXXX : {$720.00} Last Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Account Status : Open Remarks : Collection Account Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$540.00} Last Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Account Status : Open Remarks : Collection Account Original Creditor : XXXX XXXX LVNV Funding LLC Balance : {$460.00} Last Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Account Status : Open Remarks : Collection Account Original Creditor : LVNV Funding LLC These entries are damaging my credit report and, upon review, may contain inaccuracies or reporting issues inconsistent with the XXXX XXXX compliance standards. I request that each of these accounts be thoroughly investigated, verified, and, if non-compliant or unverifiable, immediately removed from my credit file. 

Actions Requested : Verification of Compliance : Confirm that all aspects of these accounts are fully compliant with XXXX XXXX standards, including the reporting of balance, status, dates, and creditor information. 
Deletion of Unverifiable Accounts : If these accounts can not be verified as accurate or compliant with all applicable standards, I request their immediate deletion from my credit report.

Written Confirmation : Please provide written confirmation that these items have been investigated and, if appropriate, removed from my credit report. 
In compliance with 15 U.S.C. 1681i, I request that you complete this investigation within the legally required 30-day timeframe and provide me with an updated copy of my credit report showing these corrections.

Thank you for your immediate attention to this matter. I look forward to a prompt resolution and verification of these corrections. 

Sincerely, XXXX XXXX Phone Number : XXXX Email Address : XXXX XXXX
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MA)

DELETE HARD INQUIRIES In accordance with the Fair Credit Reporting Act, the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer 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 1681 s-2 ( A ) ( a ) 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. 

Delete the accounts below. 

XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

My account with this XXXX XXXX  XXXX is being reported late and i was never late! I have had exceptional payment history with this company 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 XX/XX/year> 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. 

This company 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 2017-05-18
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (MI)

I have attempted to make payments and stay current with AES/NCT ( National Collegiate Trust ) for years and have struggled. Each year my monthly payments rise significantly and this is to the point where I can no longer manage, I can not afford the current payment on my accounts with you all. I have more than one account with National Collegiate Trus totaling more than {$850.00} per month. This doesnt include my other student loans with XXXX XXXX and XXXX XXXX. In total I pay over 1,000 monthly to keep current with all my loans. The only lender who will not work with me and lower my payments to a reasonable amount is American education services and National Collegiate Trust the actual owner of the debt. I have called, written, begged, cried and pleaded with both companies and no one will help me at all. I am asking for a lower payment so I may pay, Im not trying to get out of my obligation, I just want to live and pay rather than giving you all my income and not be able to survive. Please review my accounts I pay {$590.00} alone on one AES account. This is the highest monthly payment I have out of all the loans and the one that I can no longer pay. my account is delinquent now and I call you all the time trying to get a lower payment. I have this account and my other account in my dads name ( XXXX XXXX XXXX ) with me as the co lender on that one. I currently paying XXXX $ on the account with my dad and XXXX $ on the account I spoke of earlier. I cant have a home, car, or cell phone because all take all my money and I cant do it anymore. I have contact NCT for a lower payment I have written my federal and state legislators. Why wont you all work with me and lower my payment. I dont want to be delinquent, I want to pay please make it so I can by making my payment reasonable. I literally dont have the amount youre asking for and have sold everything of value to stay current this long. I am asking you to please look over my account and allow me another option. My hair is failing out I cant eat cause I have no money so Im looking all sickly. All because I went to college, please help me. This is America, You all took away my American dream now Im just asking for a little of my life back. Please lower my payment, I want to pay but I cant pay what you all have me paying now. Account # : XXXX XXXX account # : XXXX
Consumer complaint received 2024-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (TX)

To whom it XXXX concern, On XX/XX/year>, I was approved for U.S. Bank 's XXXX XXXX XXXX XXXX Credit Card. 

XXXX of the card 's benefits is issuance of XXXX XXXX XXXX ticket 5 % discount coupons, which should be deposited to my XXXX XXXX  account within XXXX business days of account opening according to the terms ; however, it's been way past XXXX business days and I still haven't received the coupons yet. 

On XX/XX/year>, I called U.S. Bank to inquire about the matter, but the associate could not resolve my issue and connected me to XXXX XXXX, who in response stated that coupon is issued by U.S. Bank and there is nothing they could do from their end. I called XXXX Bank again, was connected to a different associate again, but got the same answer as the previous call. Knowing this would be an endless loop without the issue being resolved, I decided to file a complaint on CFPB. 

Please see attached documents for the date of account opening ( XX/XX/year> ) and the fine prints for the coupon. 

Thank you,
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I was a victim of identity theft. There is inquiry on Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiry is 1. XXXX XXXX  - XX/XX/year> 2024
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: JPMORGAN CHASE & CO. (TX)

The FCRA requires that information reported to credit bureaus must be accurate and up to date. JPMCB is reporting 3 of my accounts that are missing information and need to be added immediatly because it is effecting my credit score negatively. 

Account # XXXX is not being reported to XXXX as it should and needs to be submitted immediately. 

Account # XXXX is not being reported to XXXX as it should and needs to be added immediately.. 

Account # XXXX is not being reported to XXXX or XXXX as it should and needs to be added immediately. 

Please correct these accounts so that it is reflecting accurately across all 3 bureaus
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-05-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FIRST CREDIT FINANCE (CA)

First credit Finance This company has a bad customer service, the department that handle registration and titles As customer you expect a friendly answer for the other side of your line , We call  XX/XX/2017  t his person who answer our call was rude, she was not helpful she was so unprofessional and she hung up the call at the end, I request to talk to the  manager she help us but she mention well for what I know ur brother was using a bad vocabulary to our employee, I correct her and I told her our call was record and I can prove that my brother never use any bad language, She said I do n't give you the permission to record our call I said its ok we just want to bring this up for you to know how you people is working But as well as the other rep, sounds like she do n't care about it and my brother is not the only on e that complaint about this company they are so rude Hope you can call as customer and see how they answer or help you
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

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

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

I demand the late payment reported to be removed/updated.

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

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

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-10-28
Product: Credit 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: CITIBANK, N.A. (CA)

There was a charge to my Citibank account # XXXX from XXXX XXXX, for {$96.00} for an " XXXX XXXX XXXX ''. I disputed this, and they provided me source information for the charge, showing not only that it was NOT me ( different name and email address ), but that the charge was initiated out of XXXX XXXX, showing an entirely different credit card number. They somehow deemed this sufficient proof of my authorization. 

I do not have a XXXX XXXX account. I have disputed this twice. 

My problem is that they will continue to authorize this annual charge even though I have locked my account and been issued a new card, because it shows in their system as a recurring charge I have authorized. 

XXXX XXXX  has no record of me or of my credit card, so they don't seem to be able to cancel this annual charge.
Consumer complaint received 2024-11-01
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Fraudulent Account Dear Experian, I am writing to formally dispute a fraudulent account listed on my credit report associated with XXXX XXXX XXXX XXXX. This account is unauthorized and constitutes fraud. 
Fraudulent Account Details : Creditor : XXXX XXXX XXXX XXXX Account XXXX : XXXX ( Experian does not specify ) I have filed a report with the Federal Trade Commission ( FTC ) regarding this fraud. I request the immediate removal of this fraudulent account from my Experian credit report, as it is negatively affecting my credit standing. 
Attached are copies of my identification and any relevant documentation regarding this matter. Please confirm receipt of this letter and provide updates on your investigation. 
Thank you for your prompt attention to this serious issue. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (ID)

On XX/XX/XXXX, I booked flights for XXXX people on XXXX XXXXXXXX XXXX  ( XXXX  ) web site. There was an offer on the web site to apply for XXXX XXXX credit card through Citi. I tried the link several times but just got a XXXX page. I called XXXX, who asked me to try another browser ( XXXX  ). I did that but got the same result. So the agent sent me a link to apply, which I did. It was accepted and everything was proceeding smoothly - so I thought. 
The flights were double-booked, since the web site was extremely slow and did not confirm the first set of flights. I called XXXX  and they assured me that the second set of flights would automatically be rejected, since they were clearly duplicates. When I received my bill, I saw that there were two sets of flights. I called Citi and although I had to file an official dispute, they immediately removed the duplicate charges. Immediately after the call I remembered that I had wanted to ask about the {$200.00} credit, which was not reflected in the bill. I called back right then and there and spoke with another agent. She was very helpful and told me that I had not applied for the credit card that I thought I had applied for, and consequently would not receive the {$200.00} credit. I noted that I applied with a link forwarded to me from XXXX, she was sympathetic and forwarded my objection along with a screen shot of the offer into the bowels of Citil. She promised to call on Wednesday, XX/XX/XXXX, which she did. 
I couldn't get to the phone on time but called the number right back and spoke with a different agent. She told me that my request for Citi to honor their {$200.00} credit offer was rejected because I had not received the offer " personally. '' I don't know what that means. The offer is on their web site. How personal can it be? I booked the flights, I paid for the flights. She said that the offer was good only if I received it via a communication to me and me alone. But it's on XXXXXXXX XXXX web site! I used the link that they sent to me! The agent told me that the decision was made by somebody somewhere and that there was nobody else I could speak with nor anything I could do. 
Citi and XXXX  engage in deceptive advertising ( the offer is still on their web site- please see attached document ) and then proceeded to bait and switch. I used the link provided to me. I had no reason to believe that it was for anything other than the {$200.00} credit offer. Citi refuses to honor their advertised deal. They changed the rules of the game - I now have to have had a " personal '' offer. They engage in circular logic and if I don't pay their bill in full ( without the credit ), I'll have their wolves at my door in no time.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to request the deletion of specific information from my file. The items I am disputing are listed in the attached report. I am a victim of identity theft, and I did not authorize the charges in question. I have reported the theft to the Federal Trade Commission, and I have enclosed copies of the FTC Identity Theft Report and Affidavit. Please remove these items from my record as soon as possible.