davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I am writing to dispute an account on my credit report, which I have contested XXXX times without receiving sufficient information. The details of the dispute are as follows : Account Details : Disputed Amount : XXXX Account Open XXXX Debt Paid in Full : This debt has been paid in full, and the company agreed to remove all negative reporting from my credit report. 
Amount Discrepancy : I do not agree with the amount listed for this account. 
Incorrect Open Date : The date listed as the account open date is inaccurate. 
Request : Under 15 USC 1692g and 15 USC 1681s-2, I am requesting that you : Provide the last billing statement from the original creditor, showing the amount due and the date it was due at the time of payoff.

Correct the status of this account to reflect that it has been paid in full and remove the " Charged Off '' designation.

Confirm that the negative reporting related to this account has been removed as per the agreement.

If you can not provide this information, I request that this account and any associated negative reporting be deleted from my credit report immediately. 

Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2024-08-18
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Hello, this is regarding capital one credit card, my due date usually will be 6 of every month. But the statement generated by capital one is XXXX of every month, I am not getting XXXX  days as promised by come to pay the bill, I am hardly getting XXXX  days. Which is wrong. Why it takes so much time to generate statement. Is the company waiting on me to make more purchases and add interest on that. Same issue with other cards too.
Consumer complaint received 2024-07-10
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. (CA)

I need to inform you I was the victim of identity theft. I'm disputing the account as it was opened without my knowledge, consent or authority. I contacted the company and they said to file the FTC affidavit from the site identitytheft.gov. Please dispute the account. It was opened without my knowledge, authority or consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-10
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 recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/year> and XX/XX/year> I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.
Consumer complaint received 2024-08-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CULLEN/FROST BANKERS, INC. (TX)

I had provided the information for the banking institution, Frost Bank, to provide me with a Fraudulent Transaction Dispute with at least 2 deposits that totalled out to {$600.00}. 

They legally are not required to give me back any money, yet they did, essentially violating a law that I can not remember off the top of my head ( a Law that states that, during the active investigation of a current Fraudulent Transaction Dispute, there is to be no exchange of money nor debits of such money, as well to freeze the account/card ). 

They frozen my card, yet, after some " careful '' communication between the merchant and the financial institution, they stated that it was considered a legal transaction by going off of ONLY the word of the Merchant and NOT the law. 

The problem is, I was sick and medically incapacitated for months on end, going into that time up until the recent months that the account was closed and was sent to collections. I legally was considered medically Incapacitated with no Power of Attorney at present. Therefore, I couldn't legally respond even if I wanted to. 

I have recently asked for documentation provided by the financial institution regarding their proof of decision and such, of which they denied me, which is another violation of the law as I have a right to know what happened, the proof of such, and that they did what was in my best interest as a trustee upon my behalf of my XXXX XXXX account of the XXXX. 

They denied me any right to help, they also denied me any right to reject and object such a decision.
Consumer complaint received 2024-08-19
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (TX)

JEFFERSON CAPITAL LL is reporting 3 debts with INCORRECT information to all credit reporting agencies. I have to resolve and they refuse to report correct information. I do not even know who the Creditors are, as they may NOT be my debts. I want the following debts REMOVED from my Credit Report IMMEDIATELY :. I have NEVER opened any accounts with Jefferson Capital. They are NOT an Original Creditor. JEFFERSON CAPITAL has INTENTIONALLY and MALACIOUSLY reported incorrect information.

1 ) Open balance {$810.00} Original Creditor JEFFERSON CAPITAL LL Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type NOT INDICATED Responsibility Individual previously disputed account Original creditor name JEFFERSON CAPITAL LL 2 ) Open balance {$990.00} Original Creditor JEFFERSON CAPITAL LL Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type NOT INDICATED Responsibility Consumer disputes this account information Original creditor name JEFFERSON CAPITAL LL 3 ) Open balance {$18000.00} Original creditor JEFFERSON CAPITAL LL Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Account status Open Type NOT INDICATED Responsibility Consumer disputes this account information Original creditor name JEFFERSON CAPITAL LL 4 ) Open balance {$1300.00} Original creditor JEFFERSON CAPITAL LL Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type NOT INDICATED Responsibility Consumer disputes this account inforrmation Original creditor name JEFFERSON CAPITAL LL
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXL ) has violated my consumer rights by reporting fraudulent information across my XXXX, and XXXX consumer credit bureaus. I would like this fraudulent account removed from my credit report immediately. 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 an account without my handwritten instructions. 
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my XXXX, and XXXX consumer credit bureaus. I would like this fraudulent account removed from my credit report immediately. 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 an account without my handwritten instructions. 
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) has violated my consumer rights by reporting fraudulent information across my XXXX, and TransUnion consumer credit bureaus. I would like this fraudulent account removed from my credit report immediately. 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 an account without my handwritten instructions. 
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my Experian consumer credit bureaus. I would like this fraudulent account removed from my credit report immediately. 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 an account without my handwritten instructions. 
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my TransUnion, XXXX, and XXXX consumer credit bureaus. I would like this fraudulent account removed from my credit report immediately. 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 an account without my handwritten instructions.
Consumer complaint received 2024-07-10
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. (GA)

I am writing to express my concerns regarding several issues I have encountered with the credit bureau. These issues include inaccurate account listings, multiple unauthorized inquiries, erroneous credit reporting, billing discrepancies, and accounts that do not belong to me.
Consumer complaint received 2024-07-10
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 follow up on my previous request for assistance. As mentioned earlier, I have already provided all the necessary documents to address the issue regarding the item that does not belong to me.
Consumer complaint received 2024-07-10
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 2020-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: General Motors Financial Company, Inc. (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

I see multiple 30-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2024-07-10
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. (WI)

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (AL)

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Under 15 USC CODE 1681S-2 and 15 USC CODE1666b this is a clear violation of inaccurate reporting. After reaching out to the creditors, I was advised to contact the CRA to have the collection and charge off disputed and investigated as they do not have the ability to do so. After contacting the CRA I was meant with push-back even though I expressed the collection and charge off in questions did not belong to me.
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed account on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are required to verify the information and status of the accounts being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed accounts claiming that the information they present is accurate, in which I greatly disagree. I am submitting this complaint to you today to request that Equifax provide me copies of documents bearing my signature to verify the status of the disputed accounts. If the Credit Bureaus failed to comply with the condition and continuer the reporting of the disputed accounts, please understand I will seek legal action. I need the accounts DELETED as soon possible : XXXX XXXX Date Opened XX/XX/XXXX Balance {$1600.00}, XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$1400.00}, XXXX XXXX Date Opened XX/XX/XXXX Balance {$1900.00}
Consumer complaint received 2024-07-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (CA)

See attached. 

Company was sent notice of violation of contract with previous agency. They were told to send proof that arbitration was fulfilled prior to adverse actions on this consumer account. Proof was never received, nor was debt validation as required by law. 

Company was sent notice of opt-out ; notarized and validated by witnesses. Continues to report against my consumer rights in adverse manner.
Consumer complaint received 2024-07-10
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)

i just checked my credit for the first time and realized i have inquirires and accounts that are not mine, i need help in removing all these negative accounts that have never belonged to me. XXXX XXXX XXXX XXXX- NOT MINE XXXX XXXX  XXXX XXXX XXXX XXXX - NOT MINE XXXX  XXXX NOT MINE XXXX XXXX XXXX XXXX XXXX NOT MINE XXXX  XXXX XXXX NOT MINE XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX NONE OF THESE ITEMS ARE MINE AND HAVE NEV BELONGED TO ME.15 U.S. Code 1692e - False or misleading representations PLEASE DELETE NOT MINE 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies please delete
Consumer complaint received 2024-07-10
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. (VA)

I'm so relieved I received an update from Experian at XXXX today XXXX XXXX XXXX  account has been removed from my credit report. again thank so much now I can move forward with obtaining a mortgage.
Consumer complaint received 2024-07-10
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. (IL)

My account with XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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 XXXX XXXX XXXX. 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 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


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


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 2024-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: COMMERCE BANK (CO)

Hello, when I signed up for this account I used a promo code of XXXX ( from a flyer I received in the mail ) which was supposed to pay a {$300.00} bonus after XXXX debit card purchases by XX/XX/year> and have over a {$300.00} balance. The {$300.00} bonus was never paid and I have communicated with the bank. They are asking for a photo of the mailer I received which I have provided. They are still stating that they can not pay the {$300.00} bonus since : " We wanted to follow up with you regarding the email we received. Per our Rewards Department our request has been denied. In order to continue research, we would need an image of the mailer which includes your name and address. Per our Rewards Department there is no record of an offer being sent to you. Within the disclosure, the name and address on the account must match the mail piece and they are not transferrable. " I believe they are not honoring the terms of the offer that I received via mail.
Consumer complaint received 2023-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

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 name : # XXXX, Account name : # XXXX, Account name : # 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.