davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-14
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. (FL)

In accordance with the Fair credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX # XXXX name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following Items of information Any other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc. (TX)

Verification request letters were sent on XX/XX/2023, XX/XX/2023, and XX/XX/2023 regarding the Conn 's Account. Conn 's never responded by mail. I used the Chat Box on the Conn 's website to request for the account history. They finally emailed the information on XX/XX/2023. Conn 's is reporting a charge off on my credit report and that I owe a balance {$1600.00}. However, you can see on the account information that Conn 's sent shows I do not have a balance. Page 4 of the document, Balance due .... ________ I completely paid off this account as requested and this document shows that. This has prevented me from obtaining a loan and I will proceed with an attorney if needed. 


Now, the company is saying I need to authorize a third party. I am not working with a third party. I need this completed ASAP. I personally called Conn 's and requested for the documentation. They know it is me filing the complaint. 

Conn 's needs to respond to this complaint.
Consumer complaint received 2023-10-20
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Dynamic Recovery Solutions, LLC (VA)

I received notice that I owed XXXX XXXX XXXX {$650.00} for a past due XXXX account. On the XX/XX/XXXX XXXX credit file I have of the account shows a partial acct of XXXX date opened XX/XX/XXXX, reported since XX/XX/XXXX. On the XX/XX/XXXX XXXX XXXX credit file I have of the account shows a partial acct of XXXX placed for collection XX/XX/XXXX. Both reports show the account as being disputed and with estimated removal dat of XX/XX/XXXX. 

I attempted to fax the creditor a Letter for Debt Settlement on XX/XX/XXXX but neither attempt was successful, copies will be included.
Consumer complaint received 2023-09-15
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (WI)

I purchased an AMEX gift card to make an online purchase. The card keeps getting declined. The item is not available in stores. Customer service told me just try using the card in stores first but that also did not work. Ive tried registering it online to no avail. Customer service told me to just keep trying. So Im out {$55.00} on a useless gift card.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AR)

I recently submitted a request for an investigation of the disputed items, 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 or get rid of the following items from my file. 

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 2023-04-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX XXXX debit card payment to click and pay for XXXX landlord Staes didnt received payment while click and pay show payment requested payment results from bank that they were paid to issue to landlord capital one closed my account rejected my direct deposit XXXX payments that were to be pay rejected XXXX XXXX payment for same amount paid landlord states they need to see proof which click and pay showed proof sent me proof and I sent to landlord bank statements to show availalitlity XXXX XXXX payments online for same amount bank states that after I dispute it they will give me my money back so on XXXX XXXX I made a dispute stating I needed proof of payment if not please issue me back my money because if they haven't been paid where is my money at so the bank issued me XXXX on the XXXX of XX/XX/XXXX I spoke with an representation from the fraud department who go into bank and withdrawal the money I also had a direct deposit from my job which the bank rejected and sent back to usps inwhcih is my livelihood my social check ll my checks coming in my allotments tsp which I have linked to thier bank including my XXXX savings account in which I could transfer money into my account rejected cant even change the routing number to change the banks so I can change banks but this money from the dispute comes in and it says available and I go to the bank they refuse to give me my money so I have had several incidents with this clerk in this bank on XX/XX/XXXX I went into bank after being told I had XXXX XXXX but I had to deposit my XXXX XXXX XXXX to pay my car insurance the same clerk that wouldn't release my money today told me the check would not be cashed until 7 days it wouldn't pay the incoming bill go outside and go to the check cashing place bring back cash I tried to find one but was so weak had to return home tried again the next day check cashing in my area and went back and deposited and made the payment it was rejected and closed and canceled my insurance the clerk kept telling me I only has XXXX dollars available when I called on phone at home and it says available and it shows in my account available where as I gave the fraud complaint my dispute as they instructed me and an email was sent to me saying they have received my dispute they would review it and give me an refund in which they did like they have always done in a dispute they dont put money into account unless they have resolved and even if they fell after 90 days it was a wrong decision they take the money back I have issued documents and proof of receipt for payment had the owners give me printed receipts and sed it to them and they have taken back my money so I had to pay twice when I and the owner shoed proof of payment twice I have paid parking tickets online and in person at finance office downtown and still haven't been revised rejected payments always my XXXX XXXX XXXX XXXX pay rejected my XXXX auto pay rejected
Consumer complaint received 2023-10-19
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

On XX/XX/23 @ XXXX, I received a call from the company 's bill collection department. The representative told me my account was due for XXXX payment in the amount of {$320.00}. I told the representative that there should only be a late fee for the current payment. The representative told me he was only acquired to remove the additional late fees. All fees should have been removed as discussed with a previous representative in XXXX which the payment made through ACH would have made my account current. The representative was rude during our conversation after hearing my frustration regarding the additional fees. The representative told me " I should not allow my feelings get the best of me ''. I told the representative he should not have the right to tell me how I should feel of being told to pay additional fees that I assumed were taken care of in XXXX. In addition to having to deal with insensitive representatives, I was not notified by this company transferring my loan with Fifth Third Bank.
Consumer complaint received 2023-11-11
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. (TX)

I hope this message finds you well. I am writing to bring to your attention some errors that I have discovered on my credit report. As per consumer laws, it is crucial that all information reported is accurate and correct. 

I have previously informed your company about these inaccuracies, and I am pleased to inform you that the item in question has been successfully removed from one of my credit reports. However, it still remains on the other two reports, namely Experian and XXXX. 

I kindly request that you promptly delete or correct this information on all three credit reports to ensure consistency and accuracy. It is important to note that credit plays a vital role in the purchasing process these days, and these errors have caused me a considerable amount of distress. 

I appreciate your immediate attention to this matter. Please provide me with an update on the progress made in resolving this issue. Should you require any further information or documentation from me, please do not hesitate to let me know. 

Thank you for your understanding and assistance in rectifying this matter. I look forward to a speedy resolution.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST PORTFOLIO SERVICING INC (IL)

I have disputed this negative account on my credit reports due to identity theft multiple times. The company is stating that this account belongs to me and verifying that its mine from a checking account payment that does not belong to me as well. My personal information was used by someone other than me for financial gain in any and every way possible. I have been working to repair the extreme damage they have caused me.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Dear XXXX XXXX I hope this letter finds you well. I am writing to formally request a copy of the IRS Form 1099-C for a debt that was charged off and reported by your company on my credit report. The details of the account are as follows : Account Number : XXXX Date of Charge-Off : unsubstantiated Amount Charged Off : unsubstantiated I believe that the issuance of a 1099-C is required under IRS regulations for the cancellation of debt, and I would appreciate your assistance in ensuring that I receive this form promptly. Please send the information to my mailing address : XXXX XXXX XXXX, XXXX, PA XXXX. 

Please send the 1099-C form to the address listed above or provide instructions on how I can obtain it. If there are any additional steps I need to take to facilitate this process, kindly let me know. 

Thank you for your attention to this matter. I look forward to your prompt response. 



Sincerely, XXXX XXXX
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I hope this message finds you well. I am writing to bring to your attention some errors that I have discovered on my credit report. As per consumer laws, it is crucial that all information reported is accurate and correct. 

I have previously informed your company about these inaccuracies, and I am pleased to inform you that the item in question has been successfully removed from one of my credit reports. However, it still remains on the other two reports, namely XXXX and XXXX. 

I kindly request that you promptly delete or correct this information on all three credit reports to ensure consistency and accuracy. It is important to note that credit plays a vital role in the purchasing process these days, and these errors have caused me a considerable amount of distress. 

I appreciate your immediate attention to this matter. Please provide me with an update on the progress made in resolving this issue. Should you require any further information or documentation from me, please do not hesitate to let me know. 

Thank you for your understanding and assistance in rectifying this matter. I look forward to a speedy resolution.
Consumer complaint received 2024-10-23
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)

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 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 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UT)

I am writing to you as the holder of account number ( XXXX ) ( XXXX ) for my credit card to report an issue that is negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors are required to send periodic statements that include all information required by Section 1637 ( b ) at least 21 days before the payment due date. This ensures that consumers have su [ icient time to review and make necessary payments without being penalized for late payments. 
Additionally, the FCRA, specifically 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of the information contained in consumer files. 
I have identified that the statements for my credit card have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely a [ ected my credit score. 
The details of the late payments reported to your agency are as follows : XXXX. XXXX XXXX Account Number : XXXX XXXX Late Payment Date : XX/XX/XXXX XXXX  Payment Status : 30 days late. 
XXXX  Last Payment Date : XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Late Payment Date : XXXX, XXXX XXXX  Payment Status : 30 days late. 

In accordance with 15 U.S. Code 1681i, I request a full investigation into this late payment report, and I expect the information to be corrected. As per 15 U.S. Code 1681s-2, data furnishers are responsible for ensuring the accuracy and completeness of the information they report. I request that this late payment be either removed from my credit report or updated to reflect the accurate payment status. Additionally, I request that you send me an updated copy of my credit report reflecting these corrections once the investigation is complete within the legally mandated time frame.
Consumer complaint received 2024-10-23
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. (MA)

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 account listed without my expressed written consent.
Consumer complaint received 2024-10-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

PLEASE ASSIST ME. EVERY TIME I SEE THESE FRAUDULENT ACCOUNTS, I BECOME MORE AND MORE ANXIOUS. I WANT MY CREDIT REPORT TO HAVE THESE PERMANENTLY REMOVED.
Consumer complaint received 2024-09-18
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)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2020-10-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (MD)

I received a call from CITI bank regarding my Best Buy Credit card account that I paid off in full in XXXX. They said they were contacting for late fee that had rolled over after I paid it off. So we're rolling a late fee forward and I was even aware that I owed the fee. First time I heard it was today and it had doubled. So since they refused to take the entire fee off I paid {$31.00}. This unfair treatment for someone who had always paid on time. Collection of late fees that continue to roll over is an unfair to good paying customer..
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NJ)

I am writing to dispute the XXXX listed on my credit report. I have a letter from the court confirming that this XXXX should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

To Whom It May Concern, I am writing to file a formal complaint against Equifax for reporting inaccurate information on my credit report, which I believe is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

The issue pertains to an account opened with XXXX XXXX on XX/XX/2021. Equifax 's report erroneously shows a date of delinquency for this account as XX/XX/2021, which is factually impossible as the account was not even 30 days old at that time. Additionally, the report paradoxically marks this account as paid for the same month, XX/XX/2021. 

Despite my repeated attempts to dispute this error through the proper channels, Equifax has failed to conduct a thorough and fair investigation, seemingly relying solely on information provided by XXXX XXXX without independent verification. This negligent approach has caused significant harm to my credit standing and overall financial reputation. 

The FCRA mandates that credit reporting agencies must ensure the maximum possible accuracy of the information reported and properly investigate disputes raised by consumers. Equifax 's actions, or lack thereof, are in direct violation of these stipulations. 

I demand that Equifax conducts a proper investigation into this matter and rectifies the error immediately. Additionally, I seek guidance on pursuing legal action for this apparent violation of my rights under the FCRA. 

Please advise on the appropriate steps to escalate this issue, including the process for initiating legal proceedings against Equifax for their failure to comply with the FCRA. 

Thank you for your attention to this serious matter. I look forward to your prompt response and assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-10-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.