davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WI)

It is the Credit Reporting agencies duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are not. Equifax is reporting 10 inaccurate late payments for the XXXX with the account number of XXXX. This includes late payment ( s ) 30 days from XXXX XXXX 30 days from XXXX XXXX, 30 Days XXXX XXXX, 60 Days XXXX XXXX 60 Days XXXX XXXX, 90 Day XX/XX/XXXX. It also includes 30 Days XXXX, XXXX, XXXX and XX/XX/XXXX. These are incorrect and supposed to be reported as Paid as Agreed. Furthermore, pursuant to 15 U.S.C 1681 a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person ( s ) making the report. A transaction constitutes these late payments resulting in ( Credit Bureau ) violating my Federally protected rights. To add to this, I did not give ( Credit Bureau ) written instruction/permission to furnish these inaccurate late payment ( s ) on my consumer report of file, thus violating 15 U.S.C. 1681 b ( a ) ( 2 ). It is clear that ( Credit Bureau ) has violated my Federally protected rights under the FCRA and the inaccurate reporting is causing me undue hardship and my reputation severe harm and discrimination.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

My account with XXXX XXXXXXXX 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 60 days 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 8
Consumer complaint received 2024-10-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (WI)

My loans were in an admin forbarence due to the change from Mohela to dept of education NOT because of save program. I was told during that switch time from XXXX to XXXX that my forbarence time would count as it was due to admin change. I get my count today and the months are now saying not eligible due to the forbarence.
Consumer complaint received 2024-09-25
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: CITIBANK, N.A. (MA)

I received the so called " update '', which informed me of 1. the reduction of my credit limit by {$4500.00} and 2, no cash available.

The reason given- the credit score, which remains " good '' despite the Citi evil efforts to ruin my credit completely, It is because of the Citi adverse actions, 3 in a row, beginning XXXX, that my credit was reduced by {$12000.00}, prompting the Credit Bureaus to reduce the score little by little, every month, in a chain reaction, amidst no missed payments, no overpayments. 
The Citi deception and predatory practices has been their modethi of operation, This is the second credit card they made totally useless for me, leaving me unable to pay for dental and eye treatments, amidst those treatments, ( My insurance can reimburse me only after the expenses have been paid ). To continue calling their adverse actions ( this is the 3rd one ) an " Update '' is not legal, not human, and is totally amoral, And to do such thing with no warning?? 
Herewith I request that CITI immediately return my credit limit and cash access on this card Citi DIAMOND XXXX to where those limits have been been until 3 days ago, XX/XX/XXXX. 
I refuse to be responsible for the credit card I can not use when I need it for my medical treatment. NO USABLE CARD, NO PAYMENTS, I am sick and tired of the CITI deception, abuse, glaring incompetence and infinite greed, ATT/ CITI MUST ADDRESS THIS COMPLAINT SEPARATELY FROM THE COMPLAINT ABOUT ANOTHER CREDIT CARD, WHEREBY THEY RUINED MY CREDIT BY TWO ADVERSE ACTIONS, CITI MUST REFUND {$30.00} FOR MY HAVING TO PAY FOR THE SHIPMENT OF THIS CARD TO XXXX XXXX because they kept losing the new card in the mail. No surprise, the incompetents sent me more than once a credit card in other person 's name, Never even apologized. 
Attached please find a citation from my XXXX credit rating up to XXXX, the Citi adverse action letter, deceptively named " update '' and sent with no prior warning, Att/ my previous complaint about this card has never been addressed by the Citi , either here or in numerous messages sent to their so called Executive department
Consumer complaint received 2024-10-11
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: LEXISNEXIS (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 informationisinaccurate.
Consumer complaint received 2024-10-11
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (MI)

Jefferson Capital Systems, opened XX/XX/XXXX XXXX XXXX  in the amount of {$330.00}. I had no acknowledgement of this account. Ive asked numerous times could they remove account I never got a XXXX account. 

State of MI/ Office Child Support opened XX/XX/XXXX in the amount of {$65.00} Has the wrong address attached and this is a violation of rights to privacy 15 usc 1681a ( 4 )
Consumer complaint received 2024-07-09
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. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 2024-06-17
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)

Despite my repeated efforts to address the fraudulent, inaccurate, and misleading entries on my credit report, the issue remains unresolved. The presence of these erroneous items has caused me significant distress, XXXX, and hardship. I must reiterate that I am a victim of identity theft and did not authorize or consent to having this information associated with my name and credit file.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

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 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 2024-06-17
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. (MS)

15 U.S. code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN
Consumer complaint received 2024-06-17
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. (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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

I do not have any issues with the three major credit reporting agencies. However, there is a problem that was started upon my move to the United States in 2018. I had a new job as a XXXX at a hospital in Maryland. In order to start work I needed a social security number. The IRS gave me a temporary Tax ID to use in place of a social security card, and eventually I received my card. My tax ID number was XXXX. While I awaited my card from the Social Security Administration, I used the Tax ID number to buy a vehicle. That vehicle has been paid off. Accordingly, I need each credit bureau to delete my old Tax ID number and only maintain my social security number ending in XXXX. My bureaus are showing basically two social security account numbers, and I need the bureaus to merge my files under just my social security number.
Consumer complaint received 2024-07-19
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: BARCLAYS BANK DELAWARE (MA)

On or around XXXX of 2024 I noticed my Old Navy card was lost. I went online and the card had been used fraudulently and I notified the company. I had to contact the company more than 20 times over the course of the last three months and I find that the customer service is sub-par and lacking in any kind of professional skills. Many calls were answered by customer service outside the United States and the hold times were long and sometimes dropped. 

On XX/XX/XXXX of 2024 I received a letter stating the fraud investigation was closed. On or around the end of XXXX I noticed that all of the charges were put back on the card. I continued to contact the company and on XX/XX/XXXX received a call from corporate and an email from XXXX ( no last name provided ) that the issue would be resolved. I have yet to receive a follow up call. 

On or around XX/XX/year> I spoke to customer service rep XXXX  ( XXXX ) in regards to my account. He gave me information on where to send any information for the fraud investigation. I asked for the investigation notes, or any documentation that was used to confirm the fraud follow up. The conclusion is that since the chip was used it what he said fraud. 
What a horrible and demeaning thing to say and the idea that the customer of the fraud investigation was lying is repulsive. Of course the chip would be used if the card is being used unless the card is swiped. I asked for evidence that was used in the investigation like people they spoke to, any videos and there is none. 

Barclay prides themselves on Respect, Integrity, Service, and Excellence and Stewardship. I find this to be laughable when the company has employees that can't even take a fraud investigation into account. I will continue to make complaints until Barclay 's is sanctioned for unethical practices. A payment is due and I will not being paying that because the account is in fraud status.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 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 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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

I have requested proof that this information wa
s 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 2024-06-27
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: DISCOVER BANK (CO)

They have been calling me at all hours for months. Sometimes multiple times a day. This morning at XXXX XXXX I received a call and a voicemail from a woman who sounded all to happy to inform me that this would be the last time which I feel indicates a threat of some sort. I work for legal aid I barely make enough to pay my rent. The harassment is making my prescribed XXXX and XXXX worse and its making it hard to go to work. I took this morning off because this call induced a XXXX XXXX. 

Also these calls almost always begin within XXXX minutes of me being on my cell phone, so Im terrified that they are using some sort of spyware to monitor me and selling my information. I get dozens of calls weekly from unknown, clearly corporate numbers. Sometimes they pretend to be local from my hometown, college town, or current city.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NV)

XX/XX/2024 atm withdraw of {$200.00}. The atm did not disperse the {$200.00}, it gave me my card and receipt ; then it rebooted. I contacted chime once the funds were no longer pending, they filed a claim on my behalf. The claim was denied with no supporting documentation as to how/why my claim was denied.
Consumer complaint received 2024-07-06
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: EQUIFAX, INC. (NJ)

I looked at my XXXX 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 suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 suppose 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 2024-04-08
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: American Trst Company, Inc. (LA)

I was paying National Credit Partners to resolved my Debt with the XXXX company. My Account have being freeze about 3 times after speaking with the XXXX they never received any payment from them. I SENT National Credit Partners XXXX. I Reach out to them they only sending me invoice saying i have to pay them XXXX they never payed a dime of my money to the company
Consumer complaint received 2024-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

I had 27 checks stolen from back of my payroll checkbook, 9 pages of 3 checks each. @ 20 checks were cashed by 2 guys. To the tune of {$20000.00} total. These checks were all cashed at XXXXXXXX XXXX party store/ gas station, that one of the thieves used to work there, with his poorly forging girlfriend. I print all my checks with my unique full name, signature. I discovered this fraud on XX/XX/year> due to missing check numbers I noticed, when I got to the end and was going to add more checks to binder and the blank stubs that were left behind. I contacted bank immediately upon discovery. They acted like it was probably going to be resolved. I then made a police report in XXXX XXXX. Reached out formally and verbally to corporate Citizens bank to try to make me whole. The cashed checks were not authorized by me. One check had no date, another no signature. The forgery did not match my always used printing, nor matching my full name signature.