davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

To whom it may concern : I am writing to dispute the inclusion of a cellular bill on my credit report. I have reviewed my credit report and noticed a statement from a cellular provider that I do not recognize. I have never had an account with this provider or received any services from them. 

This bill has been included on my credit report in error. Please investigate this matter and remove the account from my credit report immediately. I am concerned that this bill may affect my credit score and would like to remove it quickly. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-28
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)

I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my accounts. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the companies linked to these accounts, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my accounts to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments. It is perplexing to me that while other credit bureaus have already rectified the status of these accounts, your bureau continues to report these late payments. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-06-28
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. (CA)

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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts XXXX FEDERAL XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XXXX while at the mall my debit card and work cell phone was stolen and used to make fraudulent purchases and email account was hacked. I contacted XXXX lender on XXXX when I realized that my account was then being reported late. I had previously attempted to access my account repeatedly but was unable to do so due to countless attempts not authorized by me to access my account. On XXXX I called and spoke to a representative regarding this issue and they where able to change the email on the account and I was finally able to change the banking information associated with the account. In regards to XXXX I filled a report immediately and locked the debit card to prevent any purchases. I still to date have not received the money that was taken out of my account and have asked for updates on the status of this on the following dates XX/XX/2023 and XX/XX/2023 still no updates as of yet.
Consumer complaint received 2024-06-28
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. (SC)

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-06-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NY)

I don't recall having a contractual relationship with this collection company Midland Credit Management. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2023-11-21
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. (NV)

After reviewing my credit report i must inform you that i am NOT responsible for this fraudulent account. Someone stole my identity and generated a fraudulent account in my name. This is account is closed, fraudulent, and reporting inaccurate information on my report.

15 U.S. Code and 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. It has been 30 days and you are in violation of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY! 

This account should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the unauthorized inquiries listed IMMEDIATELY! 

I have already notified the Federal Trade Commission by completing an identity theft report and I have included a copy for your review.
Consumer complaint received 2024-06-28
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. (IN)

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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
Consumer complaint received 2024-06-28
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)

This is my second endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, remove the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-25
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (TX)

NavyFederal closed my account off with a remaining balance of about XXXX XXXX They closed my newly opened account ( XXXX ) around the same time it was opened due to suspicious activity. Though Ive tried to dispute this issue with the bank itself, with all the proof i had available, i was still denied of ever getting the chance to reopen my account. In this account was a checking, savings, and a newly approved secured credit card of XXXX XXXX Since XXXX, Ive been receiving paper statements in the mail, it is currently late XXXX of XXXX. Ive made several calls and complaints as to why theyve kept sending me statements when theyve told me my account should be closed. Theyve also since then raised my credit limit from {$500.00} to {$2000.00}. Ive had absolutely 0 access to this account and have no idea why theyd raise my credit limit. Im worried about this affecting my credit score negatively, as ive had no control over it and the bank has not helped me whatsoever with this concern.
Consumer complaint received 2024-06-21
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

On XXXX XXXX, I left the US and went back to m home country XXXX. Before I leave the state, I closed my boa credit card, and all the subscriptions on all my software app. And paid back XXXX XXXX  to my credit card, ( the total limit on y credit card is XXXX XXXX ). 

On that day in XXXX, I went to my local BOA bank branch in XXXX, XXXX XXXX XXXX, XXXX, WA XXXX, to close my credit card. After they have made a phone call to the bank, the associates at that branch told me that they have successfully closed my credit card and confirmed I paid back all my debt on this card. Without letting me know that there is still XXXX XXXX unpaid. I did not notice that. And thought my card was closed successfully and there is nothing more to worry about this card later. 

2 months later, in XXXX, I fly back to XXXX. And in XXXX we do not use XXXX because it is banned. One day in XXXX I used vpn to access my gmail, and see that my credit card still has XXXX XXXX unpaid and I decided to ask about that. But I did not know where that XXXX XXXX comes from because I already closed my account in XXXX. And then I checked on earlier emails and find out that on the day I closed my credit card, I still have XXXX XXXX unpaid debt and the interests were rolling in these 6 months and now it has reach XXXX . So XXXX XXXX interests in half year. And I don't know why they would tell me my card is closed successfully while it appears on my bills that there is still XXXX XXXX unpaid. And without me knowing now the debt plus the interest increased XXXX . And also while I am at XXXX, I am not able to call BOA to ask about this bill because they told me they have no access into my credit card. Because I can not provide them with a US phone number. So now the interest is still increasing and I don't know how to pay the bill, because I am at XXXX, and also I don't know why I should pay the bill because I am not sure where the XXXX XXXX comes from. ( whether it is interests or it is something else like bank errors or false charges. ) And last year, BOA also declared to end its relationship with me because they suspected fraud. Since then I could not use online mobile banking anymore because it is locked forever. Also since they suspected me fraud, my money XXXXXXXX XXXX was also frozen in my checking account, even after I made several attempts, BOA still has not declared whether they found a true falsehood with this money or whether they are going to return this money to me. This money was from my mother, she gives this to me as my XXXXXXXX XXXX XXXX XXXX 

I wonder bank of America is wrongfully taking my money and not doing their job right to avoid extra charges for their customers. Now I can not track my credit card bills, and there is no local branch in XXXX where I can visit to either know about this billing or to pay for it, and the phone call I made to BOA associates they simply told me they don't have access to my account because I can not provide them a US phone number.
Consumer complaint received 2024-08-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.M. Solutions, Inc. (TX)

XXXX : XXXX XXXX XXXX and/or XXXX Morning XXXX XXXX XXXX letter mailed to me via XXXX claiming XXXX owe them a debt of {$12.00}. 

XXXX : I receive the aforementioned letter. I respond with a letter requesting validation of the debt via XXXX XXXX Mail. 

XXXX : My letter is received at its destination. 

XXXX : XXXX XXXX XXXX and/or XXXX Morning XXXX XXXX XXXX letter mailed to me via XXXX claiming XXXX owe them a debt of {$12.00} and claiming they have not received payment. The letter does not validate the debt and is a form letter identical to the XXXX  XXXX. 

XXXX : My mailbox receives the aforementioned letter. 

XXXX : After returning from business travel, I open the aforementioned letter. I proceed to file a CFPB complaint for this FDCPA violation.
Consumer complaint received 2024-06-28
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)

Unauthorized accounts linked to identity theft appear on my consumer report without my written consent or wet signature. Following my recent communication with your organization, I formally demand the immediate blocking and removal of these accounts from my report. Their presence has inflicted considerable emotional and financial harm by misrepresenting my credit history and obligations. I am prepared to pursue legal recourse if this matter is not adequately resolved. These fraudulent entries have impeded my ability to achieve crucial financial milestones, including home ownership and providing for my family 's needs.
Consumer complaint received 2024-06-28
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. (MD)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-06-28
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. ()

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

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 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 2024-06-28
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)

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.
Consumer complaint received 2024-10-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (PR)

I noticed an unauthorized inquiry in my credit report from JPMCB CARD SERVICES. According to the FCRA, these unverified and unauthorized items must be removed immediately.
Consumer complaint received 2024-09-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Pursuant to the Fair Credit Reporting Act ( FCRA, 15 U.S.C 1681 ), I hereby formally request the removal of certain unauthorized credit inquiries that have appeared on my credit report. After careful review, I have identified that the following inquiries were made without my express consent or in error : 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 TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I hereby notify you that the information reported in my credit report contains errors. Pursuant to the Fair Credit Reporting Act ( FCRA ) section 611, I request that you initiate an investigation into the following entries that I believe to be inaccurate. 
My name correct : XXXX XXXX XXXX. 
XXXX : XXXX ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Transunion, XXXX, XXXX )
Consumer complaint received 2024-09-17
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (IL)

I have been trying to have this removed from my XXXX credit report since XX/XX/XXXX. This is not me, I have never lived at the address that is provided by the company XXXX XXXX. They are also using my maiden name which I have not used since XXXX and they are claiming that this account was opened in XXXX. The only way that I have received communications from this business is through a previous dispute on this website and through XXXX. I do not know how to prove this isn't me beyond what I have already done which is dispute this over and over again. I am not going to give XXXX XXXX, Amsher Collection Services, or XXXX XXXX any of my personal information as they are clearly fraudsters.
Consumer complaint received 2024-08-20
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I had open this Capital One account in XXXX of XXXX. The interest was set at a 7.90 % fixed rate. However, in XXXX of XXXX, I noticed on one of my statements that my interest rate had increased. Not only had it increased then but my rate started increasing around XXXX. In XXXX of XXXX, Id sent a request to Capital One asking to receive a copy of my original application documentation. They sent my original application with a current fee agreement document. Which I didnt quite understand because I requested for my original documentations. I sent this request two additional times, with my most recent request being sent around the beginning of this month. They continue to respond with the current interest rate document that Im being charged and not my original fixed rate agreement form from XXXX of XXXX. Capital One have not fulfilled my request by sending my original interest rate and fee agreement. They continue to increase my interest rate since my initial request that was sent to them. I havent signed anything from Capital One in regards to this account since XXXX. This is unacceptable and I believe is a breach of my contract agreement.