davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-06
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: American First Finance, Inc. (TX)

I am writing to express my deep concern regarding a derogatory rating on my account. This negative mark is significantly impacting my credit, having already led to a loan application denial and increased interest rates on my existing credit accounts. The financial and emotional strain this is causing me is severe and ongoing. 

I formally request that you take immediate action to remove and block the negative entries reported about me to the three major consumer reporting agencies, in accordance with legal requirements. I expect this to be completed within the timeframe stipulated by law.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Corp Solutions Inc. (CA)

Our reference : XXXX XXXX Original Creditor : XXXXXXXX XXXX  Original Account : XXXX Current Creditor : XXXX XXXX XXXX XXXX  . 
Balance Outstanding : {$150.00} On XX/XX/year>, XXXX XXXX, XXXX XXXX  XXXX, representing the creditor agreed and accepted the payment of {$150.00} as full and final payment to settle this debt. The payment was made on that same day by credit card. 
They now have fraudulently changed it in my credit profile as 'charged off ' resulting in XXXX point drop in my credit. 

They have breached the contract that we entered into where they will accept the {$150.00} as full and finally payment and settlement for the {$300.00} debt that was outstanding.
Consumer complaint received 2024-08-04
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (TN)

I paid a debt for XXXX on XX/XX/year> through XXXX XXXX, another debt collector. I asked Radius global solutions to take it off my credit saying it was paid. They wrote a note in my XXXX account that the account was taken care of and that it was paid for. I've disputed it 4 times with XXXX and they haven't bothered to take it off yet. Please help me. I have proof from XXXX XXXX.
Consumer complaint received 2024-07-30
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: BARCLAYS BANK DELAWARE (LA)

Certified Letter was sent to Barclays Bank DE Certified on XX/XX/year> it was signed for with tracking number USPS XXXX on XX/XX/year> requesting verification of account bearing my signature. No response within the 30 day period. On XX/XX/year> I sent another letter tracking number USPS XXXX that was signed for on XX/XX/year> notifying that I had never received any accurate findings and they were in violation of replying in a timely manner as specified by federal law. No response within the 30 day period. On XX/XX/year> I also followed up with a letter tracking number XXXX XXXX that was signed for on XX/XX/year> that stated they did not add any notice of disputes for the letters received on XX/XX/year> and XX/XX/year>. They are in violation of the Fair Credit Reporting Act. I have copies of all letters sent and time stamped documents of these findings against this company.
Consumer complaint received 2024-07-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: CITIBANK, N.A. (DC)

Citibank closed my checking account in XX/XX/year> due to fraudulent activity on the account. Since the account has been closed, I no longer have access to the checking account or any activity on the account. However, Citibank left the line of credit associated with the checking account open. I received a call from Citibank in XXXX of 2023 saying that I owed {$45.00} related to the line of credit account, even though I did not know what this amount referred to, I paid the balance. Despite paying this balance, Citibank has continued charging fees on this line of credit account. I have called Citibank on multiple occasions to try to resolve this only to be transferred to multiple agents with no one able to address this situation. As of today, the line of credit on the closed checking account is showing XXXX {$160.00} due which is related to monthly late fees on basically a closed account. No one at Citibank has been able to resolve this situation. I receive calls from the Citibank collections team on a regular basis asking that I pay this amount but no one from Citibank is able to tell me why I owe this amount and what it is related to.
Consumer complaint received 2024-07-30
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (IN)

I paid my chase closed card account, leaving a balance of {$0.00}. These greedy sharks charged me {$67.00} of interest!! Even with my interest rates of XXXX %, they overcharged me by XXXX times the amount they are allowed ( my current balance of {$0.00} ). They refuse to take this off stating that Chase is acting lawfully in charging me for the interest PRIOR TO MY PAYMENT OF {$4000.00}. I paid before my due date, but they want to XXXX us dry of all money we have. I hope its not only XXXX they treat like this. I sense religious and XXXX discrimination practices. The supervisor on the phone also said they are doing this lawfully, when XXXX has fined them millions of dollars for shady practices like this upon the American people.
Consumer complaint received 2024-09-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: CITIBANK, N.A. (NY)

XXXX XXXX then XXXX XXXX XXXX XXXX XXXX part of XXXX entered into a fraudulent mortgage scheme with XXXX and XXXX XXXX to defraud me of {$2.00} XXXX and my home. 
He bought 30 % of XXXX XXXX in XX/XX/XXXX. XXXX XXXX made {$60.00} XXXX on this and other fraudulent mortgages. XXXX made an agreement with the NY AG and the DOJ to pay retribution on these fraudulent mortgages XX/XX/XXXX but I have not received XXXX cent even though my mortgage is on the list. 

How he did this is explained in the book 'How they got away with it. XXXX XXXX XXXX and the financial meltdown ' by XXXXXXXX XXXX XXXX XXXX  at XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX Experian are reporting incorrect information on the account listed as XXXX XXXX XXXX Account # XXXX there is so much information that is inconsistent. The account can not have been verified as accurate because Experian is the only agency reporting a pay history while XXXX isnt reporting g the account and XXXX has no history but yet marked the account charge off. Experian is reporting several late payments that is not correct and goes against federal laws. 

( 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.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

XXXX, Experian, & XXXX are reporting incorrect information. I have previously disputed this same information and they claim to have updated my report but they did not. This is my final latte or to get you to report correct information before I sue in a federal court for various vol of federal law. For the last time my name is XXXX XXXX there should be no other names listed, my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX there should be no other addresses listed they are not mine and you dont have actual proof that I reside there or have ever resided at such address. Delete the information immediately.
Consumer complaint received 2024-07-15
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. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-06-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (PA)

The List of accounts below has 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 XXXXXXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the Fair Credit Reporting Act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the 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.

and according to 15 USC 1681s-2, they are supposed to 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 2024-06-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MD)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SD)

My XXXX XXXX XXXXXXXX XXXX XXXX had two late payments. I called the company multiple times and was told I never had a late payment. They advised me to talk to a credit reporting agency. I filed a dispute with Experian, and the XXXX late charge was removed, but the XXXX late payment remains. I filed another dispute, but the error persists. All the representatives at the credit card company have confirmed that I have no late payments. I would like this to be rectified on my credit report. I also would like to note I have never had a late payment fee on my account only interest.
Consumer complaint received 2024-06-21
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. (NY)

I recently checked my credit reports and noticed billing errors. You are in serious violation of TRUTH IN LENDING ACT ( TILA ) 15 U.S.Code 1637 ( b ) ( 2 ) ( a ) and the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have received your computer-generated notice informing me that you did not do any action or investigation for the disputes I sent out last time because you think I may have used a third-party credit repair company. Not only do I think this is just your delaying tactics to get an extra 30 days to fulfill my first request, but I also think it's a clear violation of the Fair Credit Reporting Act. Again, please be informed that you are reporting inaccurate and incomplete information on my credit report.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NY)

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in Wagner v. Trans Union Corp., No.95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance.
Consumer complaint received 2024-06-21
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. (MN)

XXXX XXXX placed an account on my credit as a debt collection. I never opened a persona account with XXXX. My apartment building was offering Free internet for a year and I signed up but never filled out any documentation or signed anything for a contract. This started XX/XX/2023. I then get a bill for {$100.00}. I told XXXX I did not want the internet because it is supposed to be free. Minnesota was giving internet free to low income families and thats what XXXX said they were doing however when I got a bill I said no and sent it back because everything was supposed to be free based on my income. XXXX and XXXX both have removed that account because XXXX did not provide verifiable information. As stated I did not sign anything just gave them my phone number, email address, and home address. 
However Experian will not remove the account and will not provide the proof that was given to them to me as I do have a right to know what documents they are giving to validate the information. The XXXX XXXX account is not mines as I did not sign any documents agreeing to an actual account
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

My account with ( 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, ) 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 2024-06-21
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. (AZ)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-06-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful mis-statements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating this account. I demand you to delete fraudulent account now.
Consumer complaint received 2024-06-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tri-State Adjustments, Inc. (SC)

I received a letter in the mail from Tri-State Adjustments stating I owe {$300.00} plus fees of {$30.00} to total {$330.00} to XXXX XXXX XXXX. # XXXX the spelling of the school is incorrect. # XXXX I spoke with the XXXX XXXXXXXX XXXX and said this was a scam and that I did not have anything owed to the school. The Reference # is XXXX. 
Thank you for your help!
Consumer complaint received 2024-06-21
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)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.
Consumer complaint received 2024-06-21
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. (OR)

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. 
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