davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

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 100
2 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-07-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MI)

On XX/XX/year>, I was contacted by a Merchant in regards to an account balance that was in my name that needed to be paid. I tried to get as much information as possible out of them but was told they didn't have it to send. I paid the balance off of {$3900.00} on my Citi Credit card. After doing some research about the company, I thought I had been a victim of fraud, and disputed the claim. On XX/XX/XXXX, the merchant reached out to me and asked what happened with the charge back, and I explained that I thought it was fraudulent, and that I requested the charge to be canceled. They then provided all of the documents to me showing that it was mine and that It was valid. I let my Credit Card company know this and to stop the dispute and let it go through. The merchant ran my card again, and now there were XXXX transactions on the card for the same balance. When speaking to the merchant they said to cancel the second charge and that they were going to take the original, so I contacted my credit card company to do so. Because of this second charge cancellation, the merchant refused to take any money from my card and sent XXXX charge-back refunds to my account to be processed. 

I spoke with an agent in XXXX on a three-way conversation with the merchant and credit card dispute team, and the merchant explained that they were no longer accepting the XXXX transactions, and the chargebacks were sent to be refunded to me. I then was told that this could take XXXX business days to do so. I received XXXX of the refunds on the account but still a month and a half later have not received the other. This is affecting my credit score, credit utilization, and minimum payment due, and am collecting interest daily. Below are the dates and agents who have actively been on my account since the first dispute was opened. 

XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( email ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( XXXX reference time provided ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX letter sent ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Email attempt to merchant XX/XX/XXXX Email sent XX/XX/XXXX Email sent XX/XX/XXXX Email sent about dispute XX/XX/XXXX Email sent about dispute XX/XX/XXXX XXXX XX/XX/XXXX XXXX ( chat ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Email sent about dispute XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Dispute initiated online XX/XX/XXXX XXXX
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (NC)

I checked my lexis nexis report and notice I have inaccurate information about my address. Its showing various address for me on the reports and this is not correct. Am requestiing proof and statement where it shows that this is my address if not provided I am demanding that this be updated to my correct and only address. There are screenshot of supporting documents showing my correct and only address that should be reporting on any reporting agencys
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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  Balance : - XXXX XXXX XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  Balance : {$570.00} 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 ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Gurstel Law Firm, P.C. (AZ)

this law group has been calling repeatedly for the last year.I have a debt collection that is now about XXXX old.They continue to call at leased twice a week starting one moth ago.I contacted the XXXX  that reported that this agency would not reply to their request.I am a XXXX old single man on a set income.Letters from them said they would garnish my income. I need help!
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (IL)

Since XXXX of XXXX, I reached out to companies that reported negative marks on my credit report for verification and true accuracy through various letters. These companies have issued responses that include everything but accurate verification, such as billing statements. I have since reached out once again and to each credit bureau : XXXX, XXXX, and XXXX, through certified mail enlisting my concerns for derogatory accounts that report on my credit. The bureaus have deleted some accounts, but overall neglected majority of my investigations by stating the " accuracy '' of these accounts with no proof from the companies or allowing these accounts to repost. 

( XXXX ) Revolving credit for {$4100.00}, reported as charge off by original creditor, sold to another company from original creditor, disputed by myself after being contacted by 3rd party creditor, now reported as charge off by original creditor again. 

( XXXX ) Credit line {$880.00}, deleted by XXXX. Reported by XXXX and XXXX under different account numbers and different company. XXXX responded that the bureau does not acknowledge accuracy from a fellow bureau as a reason for not deleting this account. 

( XXXX ) Different accounts all from XXXX XXXX XXXX were disputed by me and then sold to Midstate company after asking or verification. All accounts have same account numbers, but range in amounts owed. I created an investigation with each of the bureaus, XXXX deleted all accounts. XXXX and XXXX deleted some of the accounts and refuse to provide information or proof of accuracy for why the remaining accounts continue to report. 

Self reports as accurate for the last 3 months from XXXX and XXXX, but XXXX reports as delinquent for 60 days still. I have reached out to both Self and XXXX ( XXXX ). Self states that they have no control for removing " late payments '' and XXXX has not responded.
Consumer complaint received 2024-08-05
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. (SC)

XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX Bank Inquiry : XX/XX/XXXX These inquiries are reporting on my TransUnion an XXXX accounts
Consumer complaint received 2024-07-25
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I do swear under oath that, fact XXXX XXXX XXXX and Capital One financial corporation has knowingly and willfully withheld pertinent information under TILA upon retail installment contracts such as the disclosure of my rights, one being the right to rescind. Also in violation pursuant to 16 USC 433.3 preservation of consumers claims and defenses, this was not included in my original agreement which shows a severe violation as it must be present and stated inconspicuously. Most severe, violating antitrust law, Pursuant to 31 CFR 357.44 notices hypothetical 5 a severe breach of fiduciary duty has occurred as I was never compensated for my original note. I did not receive my Federal Reserve notes applied for in a form of a check from the United States Treasury nor was the second disbursement of the same amount of securities applied to the account for set off to the account for my purchase. I am the accredited investor and holder in due course.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (GA)

I would like to file a complaint against XXXX, XXXX XXXX, and Syncb for illegally reporting my information to unaffiliated third parties without providing me with the required disclosures. They are required by law to provide three disclosures, but after checking all documents from there institution, I found none that include these required disclosures pursuant to 15 USC 6802. I am hereby requesting all disclosures required by federal law
Consumer complaint received 2024-08-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (CA)

My fianc and I are in the process of buying a home specifically we are XXXX days out from getting the keys. However, during this process and unknown of an exact date, a scammer was monitoring either the title companies or my realtors email. They sent an email on XXXX XX/XX/XXXX With details around what the next steps would be XXXX when and how we should deposit the money and with the notary guy coming to our house to sign the documents. They clearly had information and continued a with details around what the next steps would be XXXX when and how we should deposit the money and with the notary guy coming to our house to sign the documents. They clearly had information and continued a New email thread with spoofed email addresses From People helping in the escrow process including the escrow officer, realtor, and title officer. On XX/XX/XXXX at XXXX my fiance and i signed documentation with the notary person at our home and he provided us with instructions and the amount. When he left, we had different instructions in our email from our escrow officer XXXX, stating to disregard the notary info and go with the one they sent : Closing wiring instructions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Beneficiary : XXXX XXXX XXXX. Account # : XXXX Routing # : XXXX Bank NAme : Truist Bank Bank Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, the real XXXX alled to inform me she stl haint received our fund XXXX. XXXX from my acount and XXXX from my fances account, to which we discovered it was a scam. We have reported to our banks and requested an urgent request of our funds. Our Banks XXXX and XXXX XXXX, have both said they started an investigation and will get back to us within XXXX to XXXX days. However, we immediately called Truist bank to let them know someone was fraudulently Accepting money from an account with their bank and asked them to look into the funds To freeze them. They told us they could not do anything to help us since we did not have an account with them. Upon looking more into this bank and continuing calling them for help, it appears this bank is known for fraudulent activity and does nothing to protect or recover consumer money.
Consumer complaint received 2024-06-04
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 XXXX Account # XXXXXXXX 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 a account without my written instructions
Consumer complaint received 2024-06-04
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. (SC)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed inquiries I didn't consent to and personal information I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I never consented to these inquiries and did not provide written consent to report them List all inquiries : 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 2024-08-07
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)

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 2023-04-23
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: Experian Information Solutions Inc. (NH)

I got an alert a late payment was reported on an account when I checked my credit report I saw an account I did not recognize.. I XXXX the company.. called them and they said my address was not the one on file.. I explained I never applied for nor had a card with them..they sent me to the fraud dept. I explained to the fraud rep the situation and he was very rude I asked what I needed to do and could I have the account number and the address to put in the police report he stated no.. that is private info and hung up. I reported the fraud to Experian and disputed the info... I received notice that they verified the account and it is accurate.. It is NOT accurate, it is not mine ..this is fraud/ My credit monitoring does not show any credit card approved for this lender.. no inquiry nothing until the late payment was reported. I check they date it says the card was opened which would show on my credit monitoring. I had my credit file locked at the time this shows it was opened so no credit cards should be able to be issued if my credit file is locked. I can prove this with my experian account. I need help to have this resolved and taken off my report. Also, the company that issued it is still showing the account active and open despite 3 calls informing them it was stolen identity and fraudulent.
Consumer complaint received 2024-06-04
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I was scammed out of my checking and savings money not knowing there are apps to change your phone number to my bank. Bank was negligent on not notifying me on a bunch of bank activity that was happening between my accounts. And refused to stop payment on cashier 's check after I was scammed
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

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 2024-06-29
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: EQUIFAX, INC. (KS)

There is an inaccurate fraudulent account appearing on my credit report and I want it removed immediately! It does not belong to me! I wrote XXXX Equifax XXXX and the company listed below demanding that they provide me with proof of the original contract that contain my signature, per the fcra section 609. And although I made this request more than 30 days ago, I still have not received any relief! According to the fcra, 15 USC 1681, it is the credit bureaus and the data furniture 's grave responsibility to ensure maximum possible accuracy! Also see the attached identity theft report. I repeat : XXXX Equifax and XXXX have not provided me with poof of the original contract per the fcra section 609, as you can see under adverse accounts on my attached credit reports! FRAUDULENT ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TEXAS XXXX ACCOUNT # XXXX DATE OPENED XXXX XXXX,2021 BALANCE {$0.00}