davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (FL)

Subject : Cease Unauthorized Credit Reporting Immediately - Reference to Florida FCRA Identity Theft Fraud Laws Dear CITI Bank, I am writing to address a serious matter regarding the unauthorized reporting of information to my credit report, which constitutes a violation under the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as Florida state laws pertaining to identity theft and fraud.

It has come to my attention that CITI Bank has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. The FCRA explicitly mandates that consumer consent is required for such reporting activities under Section 1681b ( a ) ( 2 ).

Furthermore, Florida state laws, particularly those regarding identity theft and fraud, underscore the severity of unauthorized access and misuse of personal information, such as Florida Statutes Section 817.568.

I assert that I have not provided consent for CITI Bank to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights, potentially damaging my creditworthiness and disregarding federal and state laws.

I demand that CITI Bank immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by the FCRA and Florida state laws. Failure to comply within the stipulated timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including those pertaining to identity theft and fraud.

Obtaining consent is not optional but a legal obligation under these specific sections of the FCRA and Florida state law. This is not up for negotiation ; it is a demand for compliance with both federal and state regulations, aimed at protecting consumers like myself from unauthorized and damaging credit reporting.

I expect your immediate attention to this matter and anticipate that CITI Bank will promptly rectify these violations, respecting my rights under federal and state laws.

Done in good faith,
Consumer complaint received 2024-07-03
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. (DE)

I am writing to express my deep frustration and concern regarding the continued reporting of unverified and unauthorized negative accounts on my credit report. Despite my previous disputes, these incorrect items remain, causing significant damage to my credit profile.
Consumer complaint received 2024-02-12
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

I have a credit card from USAA Federal Savings Bank. Last XXXX the bank had a promotional check included with their monthly statement offering a XXXX percent cash advance for 15 months using their check. The offer required a fee of 3 % of the amount advanced equal to {$650.00} which I accepted.I then issued a check for an unexpected household expense of {$20000.00} but when I received my next month 's statement I was surprised to find I was charged interest at approximately 13 % as well as the {$650.00}. fee. 

I have spoken to the bank several times about this matter and each representative gives a different story as to why I was charged the 3 % fee as well as their standard interest rate. None of these explanations made sense but the bank, through its representative has declined making an offfer to resolve this amicably. For example, I offered to continue to pay their standard interest rate if they would reverse the fee of {$650.00} that was required to get the favorable interest rate but was told they would not do that. 

I feel that this offer by the bank was deceptive and misleading and am hopeful that your intervention can produce a fair and equitable resolution.
Consumer complaint received 2024-07-29
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)

ACCORDING TO XXXX XXXX XXXX - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (OH)

Today XX/XX/XXXX XXXX, I ( XXXX XXXX ) was contacted by a representative of Midland Credit Management to let me know legal action would be taken to collect debt that was only recently brought to my attention. I go to look about this debt and have found it was sold to them from XXXX XXXX, further investigation found the account opened in XXXX, not by me, but by my mother XXXX XXXX. Found she was listed on my credit report as secondary name, since put in a report to have her name removed from the credit report. My name is also spelled wrong, which i also put in a dispute for. I am not the owner of this debt, i am not the account owner nor do i have access to the account. I do not have a XXXX XXXX card nor have i ever. Please let me know the action i need to take to prove this. 
In XXXX i was a XXXX in XXXX living off of my XXXX refund, no access to a card at all. this is impacting me and my life negatively and the contacting from collection agencies i feel are harassing me.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-02-23
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2024, I was in the process of buying a plane ticket on XXXX. The first option in the payment section was to apply for a Chase bank Southwest credit card and {$200.00} in free credit would be applied to my plane ticket cost that day. I clicked on the link and completed the application and was approved. But when I clicked on a link that said return to Southwest, the {$200.00} credit wasn't applied and I couldn't select to use the Chase/Southwest credit card. I called Southwest and they said I needed to talk to Chase about it. I called Chase and they said it was Southwest 's problem and even though I have been approved, I can't use the credit card until it comes in the mail. I still have not received the credit card in the mail but when I log on to chase.com, I now see that I have been charged {$69.00} on the new credit card for " Annual Membership Fee '', a fee that was not mentioned anywhere in the application process. This seems like a big scam to me.
Consumer complaint received 2024-02-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (OH)

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OHIO XXXX XXXX ACCOUNT # XXXX RE : Validation Required XXXX XXXX XXXX  Re : Account # XXXX I just done a loan modification to bring current, i then made XXXX payments to be ahead, now I get a call today stating I am XXXX  days that's, impossible, fix my account and my credit please. 
To Whom It May Concern, XXXX, XXXX, XXXX I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt.

Cease any credit bureau reporting until debt has been validated by me as required under the FCRA.

Send me proof that you are licensed to collect debt in the my state OHIO.

Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA.

I am in total disagreement with your investigation response. Inaccurate information still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.

I will await your reply with above requested proof. Upon receiving it, I will correspond back with you. 
Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Card Receivables Fund Incorporated (GA)

I XXXX XXXX XXXX sent the Letter below along with an identity theft report from ( FTC ) to 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 XXXXXXXX To whom it may concern, I am contacting you in reference to the alleged debt reporting on my consumer report with the account number XXXX -. According to 15 USC 1692 ( a ) congress has found evidence of abusive, deceptive and unfair debt collection practices. I am herby informing you that because of this i have suffered financially and mentally.

Your company has harassed me for an alleged debt that has not been lawfully validated and sent a consumer contract which case law XXXX XXXX XXXX XXXX XXXX says is not sufficient evidence of a debt. Your company has continued to intimidate me and be deceitful which has caused me to have marital issues that i can not even afford to handle professionally. 

I am granting your company the opportunity to resolve this matter by the following instructions : XXXX. DELETE THIS ALLEGED DEBT FROM ALL CONSUMER REPORTS AND FILES XXXX. CLEAR ANY ALLEGED BALANCE XXXX. REFUND ALL PAYMENTS MADE ON THIS ACCOUNT Thank you for your attention in this matter, XXXX XXXX XXXX, Without prejudice, All Natural Rights Reserved
Consumer complaint received 2024-02-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Management Services, LP (CA)

I opened a joint bank account with my then Fianc months ago. After the bank was open, I was not ever given checks, debit cards, or access to this account. I was told by the main account holder that he closed the account and pulled out all of the money. when in fact this was not the case the account was closed due to account abuse. I never received a call from the bank or any letters stating this was the case or a balance was owed. 
After I tried opening just recently my bank account, I was denied due to an outstanding balance I was not aware of. In the amount of {$2000.00}. I made contact with the bank, and they let me know I wanted off the account. They then told me they could not help me because it was transferred over to a collection agency. I told my story to the collection agency that I wanted my name off this debit because I was never allowed access to it. They let me know that I was responsible for it unless the main account holder called to release my name. I let them know I no longer had contact with this person that he was in jail on felony charges, and that I wanted no communication with him. I told them that this balance was not mine as I did not do any activity on this account and that it should be solely his debit. The manager let me know that it was not just his it was mine also and I was responsible for payment. I explained I had no way of paying them that the relationship I was in took every single one of my checks and I had no money to my name. I am trying to get back on my feet and this is one thing that is holding me back. They were no help and told me they could drop payments down, but it would remain in my name, and I had to pay it. 
I called the Sheriff 's station in the city I lived in and filed a report, I was then advised by the DA to make a report as this could be added to the charges that are already under the main account holder 's name. All I want is for my name to be taken off of this account as I never had access to it.
Consumer complaint received 2024-06-29
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 am a federally protected consumer and I am aware of my rights laid out by the FCRA. Im aware that you as a consumer reporting agency must maintain accurate records at all times and across all credit reporting agencies on consumers files. 
Please investigate the completeness of the account listed within my consumer report that you maintain under my name and update my report with your findings within XXXX  days of your receipt of this dispute notice as per FCRA guidelines. 

I have attached screenshots of the erroneous information within my report for this account. Please complete this account within XXXX  days and forward me the results. If this account can not be verified, DELETE/UPDATE my consumer report. 

ACCOUNT : XXXX XXXX Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the XXXX  possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
I have experienced much mental hardship over this erroneous account as it is prohibiting me from refinancing my home. 
Standards established in the credit industry were created to ensure integrity of data and uniform communication between ALL credit-reporting agencies to maintain XXXX  possible accuracy. If these standards are broken then liabilities can arise. 
Your agency is obligated to conduct a thoughtful and fair investigation about this very important matter as I am attempting to handle this issue privately, now. 
I have attached the erroneous account in question. 

This erroneous account was already removed from XXXX. Please DELETE this inaccurate account immediately. Thank you. 


This account ( XXXX ) needs to be DELETED/UPDATED due to inaccurate information reported within my consumer report if it can not be XXXX XXXX  verified/validated within XXXX days of your receipt of this dispute notice then it must be corrected. Failure to do so could constitute willful non-compliance by your agency. 
Please DELETE/UPDATE this erroneous, inaccurate information on my consumer report within XXXX  days of your receipt of this letter if this information can not be made complete. 

Thank you for your rapid response in this very important matter, XXXX XXXX.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

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

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

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

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

( XXXX XXXX XXXX XXXX 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 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Under 15 U.S. Code 1681s-2, which outlines responsibilities of information furnishers to credit reporting agencies, you failed to mark this account as disputed within the required 30-day period. This oversight constitutes a violation of this provision. 

Given this violation and my rights under the statute, I request immediate correction of this matter.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

I am formally writing this complaint because my credit report is being damaged by the company XXXX XXXX XXXX. I have disputed with XXXX XXXX XXXX regarding inaccurate information that they have furnished with the consumer reporting agencies for the past 2 months to no avail. They did not correct the inaccuracies I provided them in my letters along with copies of supporting documents and they were given multiple chances to do so. As a result of their consistent failure, I requested to XXXX XXXX for the account to be removed for both EQUIFAX and XXXX and told them that they would be liable for reporting misinformation, but they ignored my request to do so and still will not let up regarding the fact that they were wrong and had failed to correct and update the info that they had furnished with the CRAs. I provided documentation showing that there are bonified inaccuracies and that the account information in my consumer disclosure reports did not match up. Specifically, regarding the late payment dates showing in the payment history. " XXXX, XXXX ''. I have attached 2 consumer disclosure reports and a credit report from a 3rd party company which are all showing inaccurate info reported from XXXX XXXX XXXX. The Fair Credit Reporting Act 15 U.S.C. 1681s-2 ( b ) states ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
XXXX XXXX XXXX has not been complying by this law. It is not fair, and it is abusive and damaging to my reputation and credit worthiness. Furnishers must : conduct a reasonable investigation review all relevant information provided by the consumer report results to the consumer, generally within 30 days notify each CRA to which you provided inaccurate information if the investigation finds the information was inaccurate. Furnisher Rule 660.4 ( e ). XXXX XXXX XXXX is still reporting inaccurate information to the consumer reporting agencies. I am filing in request for remedy regarding this matter. Please see the evidence provided once more.
Consumer complaint received 2024-02-11
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (CA)

I have a statement balance with purchases of {$820.00} on my XXXX Statement that is due on XX/XX/24. I have made 2 payments of {$410.00} on XX/XX/24 and XX/XX/24 respectively to pay the statement balance of {$820.00}. US bank access a finance charge of {$17.00} in which i have disputed with a phone call on XX/XX/24. The representative that i have spoken to said that she will going to forward the request to another department for determination. She got my contact number and claimed that if i do not hear from USBank by the end of business that day, the finance charges will be reversed and will take 5 days to process. 
On Friday, XXXX XXXX i checked my account online and not only that the finance charge of {$17.00} was not reversed, But US bank has also added {$10.00} interest to my XXXX statement with a statement balance of {$470.00} due on XX/XX/24. I scheduled a payment of the statement balance on XX/XX/24. 
I spoke with supposedly spoke to a supervisor named XXXX ( woman ), she can not explain to me why finance charges were applied for both months where the statement balance with purchases were paid in full. She keeps on claiming that the finance charges are applied correctly, she was overtalking me when i challenged her with statements. 
In XXXX XXXX a manger called me and discussed the issue and i thought this issue has been resolved already and will not have any problems with it. She has reversed all the finance charges applied incorrectly to this account from XXXX.