davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-20
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: U.S. BANCORP (CT)

So after I placed a complaint about a {$28.00} complaint about a XXXX charge, they sent me a letter writing me off saying that it took USPS 20 days to deliver the investigative paperwork to their XXXX XXXX XXXX They re-opened the credit and now I have two sets of interedt charges. ( I used this card to do a balance transfer to avoid my 29.99 % interest rate at XXXX XXXX. Now I have two interest charges : {$19.00} and {$8.00}. and something cents from the last statement. My minimum payment also shot up from XXXX XXXX tXXXX XXXX XXXXXXXX. The interest fees arent supposed to start until a year of the card being opened! They total the exact amount of the provisional credit in interest fees. 

I imagine if I was stuck in the hospital getting treatment Id be totally unable to dispute this. I put so much time into this {$30.00}. Minimum wage in my state is {$15.00} which is more than any pharmacy technician usually makes. So id have to work for 3 hours to pay taxes and fees just to cover this transaction. Ive spent countless hours reporting this and working with Union Savings Bank which unfortunately they cant help me with it.
Consumer complaint received 2024-06-27
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: Experian Information Solutions Inc. (NC)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NE)

I recently reviewed a copy of my credit report and noticed some inaccurate, inconsistent information. I reached out to all three major credit bureaus and asked them to provide debt validation used to validate accuracy. XXXX investigated and noticed the inaccuracies and remove the account experience and XXXX has yet to Remove the account. Under the federal credit reporting act all credit bureau must be reported the same Information. If one bureau finds an account to be in accurate, incomplete or unverifiable they are to share that information with the other major credit. Bureau provided XXXX and XXXX a copy of the deletion results and they still have not removed the account below are the accounts in question and I have attached a copy of the report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-06-27
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (FL)

This is a Net Spend All Access Debit Card, I could not find that in the beginning questions! 
On XX/XX/year> before this occurred I had a Total of XXXX in my account. On XX/XX/year> I received a text from Net spend that a purchase of XXXX was made at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CT, Then I received another text that stated that another purchase of XXXX was made on XX/XX/year> XXXXXXXX XXXX CT ( same day ) Then I received another text stating another purchase of XXXX was made at XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX at XXXX XXXX CT ( again same day ) I called Net Spend right away and told them I did not make any of these purchases and I wanted my money back! They told me that they had to let the purchases go through before they could do anything. They would not investigate until then I had to wait a few days before I could file a claim. Then Net Spend took XXXX out of my XXXX payment of XXXX on XX/XX/year> to cover over drawn charges! I have bills to pay and I told them that I did not make those purchases! I have called them every day that I could to ask for my money I was told by Net Spend that I had to write an email to the company Net Spend to file a claim to get money to cover the lost money until they were done investigating. I wrote them the letter on XX/XX/year> and I still have nothing. I hope you can help me get my money back they owe me the amount of XXXX to my best knowledge.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Consumer complaint received 2022-03-14
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. (GA)

To Whom It May Concern : I received a copy of my credit report and am disputing some items that need to be deleted. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be deleted are indicated below : Item # XXXX XXXX XXXX XXXX XXXX XX/XX/2016 XXXX
Consumer complaint received 2019-08-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (PA)

Today XX/XX/19 RECIEVED a call from XXXX  asking for the last three digits of my social security number to tell me pending criminal charges against XXXX XXXX XXXX XXXX for Cash Central Cash Advance for a {$400.00} loan they claim they gave me I NEVER RECIEVED I asked how was this loan paid and when I was denied that information I recorded the entire conversation
Consumer complaint received 2024-07-12
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)

My account with ( XXXX, XXXX 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 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 ( MONTHS REPORTING LATE ) 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 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 2024-08-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates (IL)

I am writing to file a formal complaint against L J Ross Associates Inc. for reporting a debt on my XXXX, XXXX, and XXXX credit report that was previously removed due to identity theft. This debt was originally removed in XX/XX/XXXX following a successful dispute that confirmed the debt was a result of identity theft. Despite the debt 's removal, it has reappeared on my XXXX, XXXX, and XXXX credit report, causing significant distress and potential harm to my creditworthiness. This re-reporting violates several provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). **Violation of FCRA : ** 1. **Re-Insertion of Previously Deleted Information : ** Under the FCRA , specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), if information that has been deleted from a credit report is reinserted, the consumer reporting agency must notify the consumer of the reinsertion in writing within five business days. I did not receive any such notification from XXXX regarding the reinsertion of this debt. 2. **Accuracy of Information : ** Under 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The reappearance of this debt, which was confirmed to be a result of identity theft, violates this requirement. **Violation of FDCPA : ** 1. **Failure to Provide Validation of Debt : ** Under 15 U.S.C. 1692g ( b ), if a consumer disputes the validity of a debt, the debt collector must cease collection of the debt until it obtains verification of the debt. XXXX XXXX XXXX XXXX. has failed to provide any such validation despite my previous dispute and the confirmed removal of this debt. 2. **Unfair Practices : ** According to 15 U.S.C. 1692e, a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Reporting a debt that was previously identified and removed as a result of identity theft is both deceptive and misleading. **Supporting Legal Cases : ** 1. **XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : ** This case supports the need for credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of an item on their credit report. XXXX. *XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) : ** This case emphasizes the requirement for debt collectors to provide verification of the debt upon a consumer 's request, halting all collection activities until such verification is provided.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc. (MI)

This serves as an official letter, and I am choosing to opt out of the Consumer Credit Reporting Companies. I want to permanently opt out of XXXX, XXXX, Innovis, and XXXX, and provide to businesses that send firm ( preapproved/prescreened ) offers of credit or insurance. I also want to remove my name from the list for firm offers of credit or insurance.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (CA)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2024-06-27
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (TX)

Early XX/XX/XXXX, I received a prepaid debit card in the mail from Netspend with my name printed on it and instructions on how to call to activate it. Included in the contents of the envelope was direct deposit form. I was confused because I had not expressed interest in opening an account. I called the customer service number and confirmed through the automated system that no account existed under my social security number. XX/XX/XXXX, I received an email from XXXX Informed Delivery showing that Netspend had sent another debit card however, when I checked the mail the envelope from Netspend was not there. I called Netspend to speak to a live agent and explained that I did not want to receive pre-paid debit cards with my name on them as it's a security risk. In addition, I had not requested an account to be opened. 

Furthermore, I informed the agent that I did not want them to have access to my information and I requested information on how I can opt-out of marketing/advertisements including but not limited to having prepaid cards emailed with my full name on them and to ensure that an account is not opened in my name because in XXXX my wallet was stolen along with my SS card and Identification. The live agent informed me that there was no way he could prevent me from receiving future preprinted prepaid cards, to opt out of marketing/advertisements or to limit access to my personal information within their system. This is a violation of financial privacy rights as well as unfair consumer trade practices.
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2024-06-28
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. (CA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my Account. This accoutn is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am Asking you to verify as Accurate. 

Here 's the account Information : XXXX - Account Name : XXXX XXXX Acct XXXX XXXX
Consumer complaint received 2023-11-21
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. (MO)

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

Account Name : XXXX XXXX Account XXXX : XXXX has violated my rights. Or 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 2024-06-28
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. (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 Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX  XX/XX/XXXX XXXX XXXXL XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXXN XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/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  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-06-28
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)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX/XXXX/2022
Consumer complaint received 2024-06-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CrossCountry Mortgage LLC (WA)

My Mortgage servicer transferred on or around XX/XX/2024. The previous servicer cheated me, did not grant me a deferment request that I qualified for. They railroaded over me and started foreclosure proceedings. A supervisor played back the calls and discovered that they made an error and should have given me a deferral. Even though they reversed the pre-foreclosure, due to their error, they still charged me attorney fees, humiliated me publicly by posting the foreclosure info, sent a cruel person to my home to take photos, but more importantly cant reverse the info that they recorded with the state recorders office. I now have a pre-foreclosure in my record because of them. 

I applied for another foreclosure in XX/XX/2024 and they lost it. The new servicer couldnt find it either, so they offered me this new modification. They have treated me so badly, by misinforming me about the status of my account, not returning calls, and now trying to force me to sign this new modification paperwork by the end of XXXX, when their is a dispute in place and they dont have the exact breakdown of these amounts for which they are trying to have me sign. I suspect that those attorney fees ( for example ) are also hidden and were never reversed. 

I have called the company multiple times and written their Research Dept. They are not responding with answers. Here is an example of what I sent below to the Research Dept : Please stop ignoring my messages. I requested a prompt response to these questions and to be reassigned to a new representative. There are only 6 business days left before your deadline closes. You guys and your underwriters have had this case since XXXXXXXX XXXX XXXX  XXXX didnt hesitate to trash your competitor by letting me know how terrible the files have been, that have come over from the previous servicer. That can only mean one thing, you all have been aware that this was a systemic issue. I cant understand how you could make a modification offer without checking to see that you have ALL of the docs to substantiate XXXX XXXX claims made to me over the last two substantiative conversations.

I am worried and concerned that the monthly mortgage payment calculations /and the modification documents that you provided, also contain faulty information. I deserve an update. I deserve not to be rushed into to signing documents until Ive consulted with my advisors. With only 6 business days left to sign, it is highly unlikely professional of you not to contact me with an update. The longer this takes, please dont be unfair or realistic to then expect me to be able to adhere to your end of the month deadlines. After all, this is one of THE biggest financial commitments that most consumers will make ( for the next 30-40 years ). Please respond asap.