davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-18
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. (NJ)

Identity Theft! I recently found that there are several unauthorized and fraudulent inquiries on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. 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 2024-10-07
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (FL)

On the morning of XX/XX/year>, I noticed that American Express had significantly reduced the credit limits on two of my accounts without prior notice or explanation.

The credit limit on my first account was reduced from {$5000.00} to {$1000.00}. This account had a XXXX balance at the time of the reduction. 
On my second account, the credit limit was reduced from {$2000.00} to {$1000.00}. This account also had a XXXX balance at the time. 
These changes were unexpected and unjustified, as I have consistently maintained good standing with both accounts. As a result of the credit limit reductions, my credit utilization ratio increased, which negatively impacted my credit score.

I have not taken any actions that would justify these reductions, and I am requesting that American Express restore the original credit limits and take steps to correct the impact on my credit report.
Consumer complaint received 2023-11-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (TN)

XXXX XXXX does not allow you to remove automatic payments but forces you to use autopay when you start a policy. 
I deliberate left low funds in account on scheduled date as I did not intend to continue policy and preferred to pay an NSF fee than let another premium clear the account as I had already held for their customer service on the phone over an hour and still had not reached an agent. I have always rejected overdraft protection. I instead opened a LOC account to to transfer funds from if needed.Regions in spite of my opting out of overdraft protection paid the charge sending my account in the negative. I had to move my direct deposits to other accounts costing me extra money buy money orders instead of being able to use my checking account, and now that account is not even accessible to me online to find out what other fees they have charged or see the account history. Im unable to deposit money in the account in order to transfer to the LOC to pay it off as any funds would be allocated to the insufficient balance first. THIS is causing negative marks on my credit report. 
I never gave permission for that charge to be paid. I live paycheck to pay and can not afford to lose {$180.00} to pay for something I didnt authorize them to do. 
I can not even provide you a statement showing the charges as everything for the account was digital, save my checkbook.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made 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 XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to be removed. 

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

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

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

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

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

Delete the late payments from my consumer reports
Consumer complaint received 2023-09-18
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. (CA)

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. The late payment is inaccurate because the payment was made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 

XXXX XXXX  XXXX
Consumer complaint received 2024-06-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: TD BANK US HOLDING COMPANY (NY)

Several times over the last XXXX years I contacted TD Bank, holder of my existing XXXX to reinstate my online access to receive monthly statements since my discharge from XXXX XXXX XXXX in XXXX. Each time I was told by a representative that " since my discharge naming TD Bank they are not allowed to provide any correspondence during the bankruptcy period. As stated earlier, my discharge was closed on XX/XX/year> and I requested online access to my monthly statements as well as hard copies. I spoke to a representative today XX/XX/year> and was told that I needed to go into local branch to obtain a copy, when the rep XXXX my account, the rep notified me that STILL they don't have access to generate a monthly statement. The rep stated that she will instruct her internal people ( bankruptcy dept ) to reinstate my delivery of online and I should hear from a local bank rep in XXXX business days when statements will be available. I told the rep that I was preparing for my property sale and need a copy for payoff balance to provide my closing attorney.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

My account with 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 XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX 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  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 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

" 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 accounts 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 did not provide written consent to report them "
Consumer complaint received 2024-06-19
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. (MA)

naccurate and unlawful account. It has several late payments which are arroneus. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like Experian and XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports. 

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual. 
I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes. 

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision. 

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated. 
My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : XXXX. XXXX XXXX # XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP. 

SEE PICTURES UPLOADED
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I would like to dispute off the following inaccurate accounts on my credit report listed below. 

XXXX : XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX {$2700.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$7000.00} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX  Account Number : XXXX {$5100.00} XX/XX/XXXX EXPERIAN : XXXXXXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX Account Number : XXXX {$2700.00} XX/XX/XXXX XXXXXXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$7000.00} XX/XX/XXXXXXXX XXXX XXXX  Account Number : XXXX {$5100.00} XX/XX/XXXX XXXXXXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX : XXXX Account XXXX : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX {$2700.00} XX/XX/XXXX XXXXXXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$7000.00} XX/XX/XXXXXXXX XXXX XXXX  Account Number : XXXX {$5100.00} XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2023-11-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America froze my accounts. I called in and asked what was happening and the first person I spoke to said there was a deposit in question theyd return it and my accounts would be back to normal. Then days went by and I received letters in the mail that they were closing my accounts. Then I received letters something about they may investigate my accounts and if they see anything like fraud I would not get my money. Year or two passed I still couldnt find anything out. Even after I received letters stating my accounts were closed and it wouldnt accept any transactions in or out. They still accepted direct deposit and XXXX payment. I contacted them every few months then after about a year they said they were done with their investigation, but I would have to contact the parties that deposited money into my accounts in order to get money that was in my account. Which is crazy since some of the deposits were XXXX payments from a year or XXXX prior which cant be reversed. Also direct deposits from Unemployment that were from prior year. I even contacted my unemployment and they said the bank institution should return the payment or payments in question and then unemployment would send them to me another way. Yet Bank of America is just holding any and all of money that was in my account even after they investigated and gave me NO ANSWERS! Its been several years now and Ive been trying to get my money.
Consumer complaint received 2024-10-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY (FL)

American Express charged-off on XX/XX/XXXX Acct # XXXX Acct # XXXX Acct # XXXX I requested 1099 forms and it was never sent. This is fraud and I need this looked into, because as of XX/XX/XXXX it is being listed as a charge off on my credit report.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I filed a dispute for inaccuracy regarding the account listed below and pursuant to FCRA Section 611 Procedure In Case of Disputed Accuracy on XX/XX/2024, XX/XX/2024 via Experian 's online Portal and regular mail. 

Experian acknowledged receipt of my dispute and informed me that they would investigate. They were also provided with proof that the account has a XXXX balance. The dispute also asked Experian to explained how they verified inaccurately reporting late payments. 

Experian notified me that the item was " verified and updated '' even though the inaccurate information ( balance, late payments ) are still reporting : XXXX Account # XXXX
Consumer complaint received 2024-06-18
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)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-06-19
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. (MA)

I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like Experian and XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports. 

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual. 

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes. 

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision. 

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated. 
My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below This account should not reflect as negative : XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

I am writing to formally complain about an unauthorized credit inquiry conducted by XXXX XXXX XXXX on XX/XX/year>, during my recent interaction with XXXX. 

Despite not providing explicit consent for a credit inquiry beyond the terms of my agreement or prequalification offer, XXXX XXXX XXXX proceeded with an inquiry. 

To address this issue, I request the following actions : Verification of Authorization : Please conduct an investigation and provide documentation demonstrating my authorization for the credit inquiry conducted on my behalf. This should include any signed agreements or consent forms related to the inquiry. 

Removal of Unauthorized Inquiry : If it is confirmed that the inquiry was unauthorized, I request the immediate removal of this inquiry from all major credit reporting agencies ( XXXX, Experian, XXXX ). 

Enforcement of Consumer Protections : Ensure that XXXX XXXX XXXX complies with consumer protection laws regarding credit inquiries. Require them to implement robust procedures and training to prevent unauthorized credit inquiries in the future. 

Restitution : As compensation for the inconvenience caused by this unauthorized inquiry, I request consideration for restitution, such as reimbursement for any associated fees or a suitable resolution that addresses the impact on my credit profile. 

I appreciate your prompt attention to this matter and request regular updates on the progress of your investigation and resolution of this complaint. Please contact me at the above-mentioned phone number or email address if you require any further information. 

Thank you for your assistance in addressing this issue. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-18
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: Experian Information Solutions Inc. (TX)

I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.