davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

My account with XXXX XXXX  - XXXX 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 me 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. 


XXXX FCU - XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-15
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. (AR)

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  Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2024-06-15
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)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$23.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$8200.00} XXXX  XXXX Balance : {$1400.00} XXXX XXXXXXXX Balance : {$420.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$510.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (MD)

On XX/XX/year>2024, an unauthorized charge of {$52.00} was applied to my debit card at XXXX XXXX XXXX in XXXX, MD. I called Wells Fargo to dispute the charge since I never made the purchase and the card was in my physical possession. I did not order anything online either. The last time I was at this establishment was on XX/XX/XXXX. Wells Fargo allegedly did an investigation. They gave me a provisional credit until the investigation was complete. They sent me a letter after the investigation was complete stating that they found that the transaction was authorized and the processing error did not occur. I asked them what evidence they used to come to this conclusion and they could not provide it. They stated that I should try to get the money from the merchant.
Consumer complaint received 2024-08-12
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (OK)

on XX/XX/2024 Citi, cancelled 3 of my credit cards i have had with them. Citi XXXX XXXX XXXX, Best Buy and Home depot. Stating they have found evidence i have cannabis related income. The card i am most concerned with is the Citi Platinum card. I have had that card for over 12 years with many increases to my credit amount. I have never had a late payment on this card or any other cards, I have a perfect payment history on all my credit. In XXXX I noticed my card had been closed from my app. I called them and asked why, and the person I spoke with said that was odd, they had never seen a card get closed with that good of pay history and credit line. Back in XXXX I had used my card to put remodeling materials on my card. I received a letter about a week later letting me know it was close and an email address to request why. So i sent an email to them and within 30 days i received a letter stating that due to the fact that I had cannabis related income they were going to close the account. This left a {$40000.00} balance. With them closing my account my credit score went down due to owing more than my available balance. I made the XXXX minimum payment of {$1300.00} and sent them an email to ask for a rate modification since it was no longer a credit card, and should not have the interest rate a credit card does. NO ANSWER, In XXXX my minimum payment was higher that XXXX 's. I paid it, then in XXXX the payment was even higher, and I paid it and then again in XXXX the payment was {$1500.00} I paid it..I then sent a letter instead of an email on XX/XX/XXXX requesting the modification and no payments would be sent. since then I have received no response. On XX/XX/XXXX I received a call from the collection department asking for the payment, I explained everything to the lady on the phone and she said she could not change the interest rate that was another department. I was transferred and told that in order to change the rate I would have to request to reopen the account. I also explained to her that I have an investment in the XXXX  industry in XXXX  however my main source of income is from a XXXX dealership I own. I also told her I had no problem repaying the loan, but it should be modified as a loan and not a credit card. She made the request to reopen the card and said i would receive an answer in 6-10 days, I received an email dated XX/XX/XXXX that since my account had been closed too long they couldnt reopen. ( why did the lady that work there tell me this is what they had to do, knowing it had been closed since XXXX ). This is not right to close an account then charge more interest.
Consumer complaint received 2024-08-11
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Kohn Law Firm S.C. (IL)

I have a couple cards that were sent to collections while I was in college. I have not heard anything more about these cards since XXXX! I have a debt collector kohn law firm s.c sending mail to my landlord! I have only received one letter from this company. After further review my credit card company states that another company owns my debt. Its embarrassing that they are sending letters to my landlord with my personal information.
Consumer complaint received 2024-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (MS)

I closed my Wells Fargo over a month ago. I went into a branch and closed it. On Friday, XX/XX/2024, a deposit was accidentally sent to the closed bank account. Instead of Wells Fargo sending the ACH back, it reopened the account and took my money to pay a debt that I owed to another entity. I was a victim of an XXXX. I have a XXXX XXXX XXXX XXXX XXXX XXXX I was going to use that money on medical expenses. Wells Fargo had no XXXX business reopening that account. It was closed for a reason. Wells Fargo needs to give me my funds before I pursue legal action against them. They had no business reopening a closed account without my permission.
Consumer complaint received 2024-06-15
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. (OH)

This account is being reported inaccurately on my credit profile. This account has been closed/charged off. The credit bureau 's is reporting it as open with a late status. I have reached out well over five times to the each credit bureau asking them to correct this error. .They have yet to reinvestigate this matter accurately, and they keep reporting the account inaccurately.. Please be advised, This error, has greatly affected my lively hood and has greatly impacted the good standing of my credit score, and my ability to apply for credit. I have attached, my credit card statement to validate my stance. Please update and/ or remove this item from my credit profile, as it is a violation of my consumer rights according to section 609 ( a ) and 15 ( U.S.C ). Thank you.
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

My account with XXXX XXXX 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 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 my 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. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-15
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. (NY)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 accounts to be removed.

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

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


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2023-11-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

- XX/XX/XXXX XXXX : I receive notice of a declined purchase from XXXX for {$100.00}. I check my account and balance and transactions. It appears that, in error, the {$100.00} was submitted twice, and possibly being refunded to my account once. This has happened before with an unrelated transaction, and the agent said that the error would likely resolve at midnight. This error also initiated a fraud alert, which it did last time. 
Just in case, I also initiate a payday advance via XXXX for {$250.00}. Theres about {$80.00} in my account. 

- XX/XX/XXXX early morning ( XXXX ) : I get an after-midnight fraud alert, which surprises me. I have a negative balance, which also surprises me. I review transactions again and realize a check for {$430.00} I had forgotten has begun processing in my account. I do another immediate XXXX transfer for {$330.00} and confirm the account is positive by about {$200.00}, even accounting for the surprise check, before logging off of the app. 

XXXX XXXX : I see in my email that theres a value load of {$800.00} ( child support ) on my Bank of America MD epic card , so I transfer it to my unconnected checking account. To my surprise, I get email notification of the direct deposit of {$800.00} at XXXX. My balance is now about {$1000.00}. I transfer {$200.00} to a savings account, leaving the checking account balance at about {$800.00}. 

XXXX XXXX : I receive notice that the {$430.00} check is not being paid due to insufficient funds. My balance returns to about {$1200.00}. 

When I call Bank of America, they insist the check was processed yesterday, despite my confirmation that it didnt. They tell me yesterday, when the check was processing, I only had {$330.00}, and it wasnt enough. I also realize that the ending balance on XX/XX/XXXX is- {$130.00}, which it was not. Despite the money being there, the agent and the manager told me the check would be returned, there was nothing they could do.
Consumer complaint received 2024-06-15
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)

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 2024-06-15
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Experian Information Solutions Inc. (NJ)

I am writing to formally lodge a complaint regarding inaccuracies in my credit file maintained by Experian XXXX and XXXX XXXX. Despite numerous attempts to rectify these issues, my credit report continues to contain outdated information, including old addresses and an incorrect date of birth. Furthermore, the credit bureau has removed my social security number from my report, severely impacting my ability to apply for credit, secure housing, and pass employment background checks. This issue has persisted for over nine years. 
I am formally requesting the following corrections be made immediately to my credit file : Name : XXXX XXXX XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Specifically, I request : 1. Removal of outdated addresses. 
2. Correction of my date of birth to XX/XX/year>. 
3. Add of my social security number, XXXX. 
These corrections are essential for restoring my ability to engage in financial transactions, secure housing, and pursue employment opportunities without unnecessary obstacles. 
Enclosed with this letter are copies of relevant documentation, including proof of identity and previous correspondence with Experian XXXX and XXXX XXXX, supporting my request. I kindly request acknowledgment of receipt of this complaint and a timeline for when these corrections will be completed. 
Thank you for your immediate attention to this matter. I look forward to your prompt resolution.
Consumer complaint received 2024-06-15
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. (NY)

Date of inquiryXXXX Delete!! 

Unathorized inquiry XXXX  Date of inquiry:XXXX Delete!! 

Unathorized inquiry. 
XXXX  Date of inquiry:XXXX Delete!! 

Unathorized inquiry XXXX XXXX XXXX Date of inquiry:XXXX Delete!! 

Unathorized inquiry XXXXXXXX XXXX XXXX Date of inquiry:XXXX Unathorized inquiry XXXX XXXX  Date of inquiry:XXXX Delete!! 

Unathorized inquiry XXXX XXXX Date of inquiry:XXXX Delete!! 

Unathorized inquiry XXXX Date of inquiry:XXXX Delete!! 

Unathorized inquiry XXXXXXXX XXXX XXXX Date of inquiry:XXXX Delete!! 

Unathorized inquiry XXXX XXXX XXXX XXXX Date of inquiry:XXXX Delete!! 

Unathorized inquiry XXXX XXXX XXXX Date of inquiry:XXXX Delete!! 

Unathorized inquiry XXXX Date of inquiry:XXXX Delete!! 

i noticed this issue in XXXX correct information needs to be removed : XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX  # XXXX XXXX, NY XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # FL XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX # # XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX UNDER 15 USC 1666b THIS LATE PAYMENT ENTRY IS A VIOLATION. I HAVE BEEN INCORRECTLY BILLED. 
XXXX XXXX Account Number:XXXX  please update the status of this account to " paid on time ''. 

Under 15 USC 1666b this late payment entry is a violation.I have been incorrectly billed. 
XXXX Account Number:XXXX******** Please update the status of this account to " paid on time ''. 

Under 15 USC 1666b this late paymententry is a violation.I have been incorrectly XXXX Account Number:XXXX  Please update the status of this account to " paid on time '' Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX  XXXX Account Number:XXXX  Please update the status of this account to " paid on time '' Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX XXXX  Account Number:XXXX  Please update the status of this account of this account to " paid on time '' Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX Account Number:XXXX******** Please update the status of this account to " paid on time '' Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX Account Number:XXXX********** Please update the status of this account to " paid on time '' This account needs to be validated. 
XXXX Account Number:XXXX**********