davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My account with ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH capital one 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. T
his 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. 


( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX 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 2024-08-13
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Rosebud Economic Development Corporation (OK)

I was approved for a {$500.00} loan with My Quick Wallet have XX/XX/2023. They started out taking around {$90.00} per week from my account, then offered me $ XXXX {$270.00} more a few months later and I accepted it, so they have been taking {$180.00} from my account every week and {$200.00} some weeks, causing me extreme hardship and overdraft fees every week. I don't make much money as it is and I still have to feed my family and pay my bills. I have XXXX off notices every month. I told the via email multiple times they're taking too much and I can't even afford groceries on a week a bill is due. I don't understand terms and percentage rates and never realized how much they were going to haunt my life. There is no end to payments either. I asked them to no avail and looked at my online account and there's a withdrawal date every week for a year and no sign of completion. This isn't right, they're literally robbing me and causing me so much stress and problems I don't know what to do. I've paid back so much more than I borrowed, around {$5.00} or $ XXXX at least, already. A few weeks my check didn't take me out of the hole and they didn't get their money, so they keep on taking my money and sending me texts and emails about being behind on my payments.. How can this be legal. Someone needs to do some investigating on these guys. They're making poor people poorer. I feel like I work just to pay Quick Wallet. I would appreciate any feedback and assistance getting these thieves out of my life so I can finally live and breathe again. Thank you for the opportunity to be heard. This has been a traumatic experience.
Consumer complaint received 2024-08-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Jim Bottin Enterprises, Inc (TX)

In Complaint ID XXXX that I submitted, I requested XXXX to provide oirginal SIGNED contract documents with XXXX XXXX XXXXXXXX XXXX the breakdowns of how this alleged balance come along, and proof with detail explaination of why my payments were stopped. I would also like to get a copy of proof that prove XXXX has ownership/rights to service this alledged XXXX from XXXX  XXXX XXXX. 

XXXX responded that they would have to request those information from XXXX XXXXXXXX XXXX. XXXX claimed they have this alledged balance since XXXX of 2024. I expect this company should already have these information readily available. I would like CFPB to investigate if this company indeed has any rights to serve this alledged balance or better yet report on my credit. It seems they do not have the paperwork to prove that this is a ligitimate. I request that XXXX needs to remove the my credit reporting immediately. A formal dispute has also been delivered to their mailbox. It was delivered XX/XX/year>. XXXX XXXX : XXXX. On a recorded call, XXXX also aknowledged they have receieved the dispute.
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: EQUIFAX, INC. (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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A. (OH)

I deposited a {$1000.00} check to my Citi bank account on XX/XX/XXXX due to selling my house. This was a cash offer check from the lender I used. When I deposited, it said my funds would be available. Later in the day, Citi blocked me from viewing my online account. I called multiple times to verify the check along with the maker of the check. He also verified by answering their questions and I was right with him in the same room as he answered while at his banking institution the funds came from. Citi keeps stating there is no record of a verification when I have called numerous times. Now over a month later, they sent me my remaining funds that were in the account ( XXXX ) on XX/XX/year>. I called on XX/XX/year> which is the date I got the check and they still state there is nothing they can do about my XXXX dollars until the maker calls, WHICH HE HAS. they wont bounce the check back to him either. Theyre holding my funds, wrongfully closed my bank account, and not giving a care in the world to fix the matter at hand. Someone please help me gain my funds. I sold my house and have nothing to show for it. I needed the funds to move and its been a hassle since.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights by reporting a fraudulent collection account to XXXX credit bureau. I have no open account with XXXX XXXX, nor have I ever done business with XXXX XXXX and/or with any business it may be representing. XXXX XXXX recently reported that an account was opened XX/XX/year>, with XXXX XXXX as the original creditor. I have had no communications of any type, and no business of any type with XXXX XXXX before its reporting of said fraudulent collection account to the credit bureau in the amount of {$1300.00}. I have received no communications regarding this fraudulent account from this fraudulent collection company. XXXX XXXX has violated my rights under the following codes : XXXX5 U.S. Code 1681 ( a ) ( b ) - Congressional findings and statement of purpose 15 U.S. Code 1692e - False or misleading representations - A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. ( XXXX ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. XXXX XXXX has violated my rights by continuously reporting an inaccurate collection account to XXXX credit bureau. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. ( 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.
Consumer complaint received 2024-07-15
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Washington XXXX DC XXXX Subject : Complaint Regarding Reinsertion of Previously Deleted Information in Credit Report Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the reinsertion of information that was previously deleted from my credit report. This action violates Section 611 ( B ) of the Fair Credit Reporting Act ( FCRA ), which clearly outlines the procedures and requirements for such reinsertion. 
Details of the Complaint : - **Name : ** XXXX XXXX XXXX XXXX **Date of Birth : ** XX/XX/XXXX - **Social Security Number ( last four digits ) : ** XXXX - **Address : ** XXXX XXXX XXXX XXXX, FL XXXX XXXX : XXXX On XX/XX/XXXX, EXPERIAN deleted the following information from my credit report : was confirmed.

**Reinsertion Incident : ** Despite the clear provisions under Section 611 ( B ) of the FCRA , which require a creditor or information furnisher to notify me in writing of their intent to reinsert any deleted information, I recently discovered that EXPERIAN has reinserted the previously deleted information mentioned above. However, I did not receive any prior written notice regarding this reinsertion. 
**Impact : ** This reinsertion has adversely affected my credit standing and financial reputation. It has potentially harmed my ability to obtain favorable terms on loans, credit cards, and other financial products. 
**Request for Resolution : ** In accordance with the FCRA, I request the following actions to be taken : 1. Conduct a thorough investigation into the reinsertion of the deleted information in my credit report.

2. Ensure that EXPERIAN complies with the notification requirements outlined in Section 611 ( B ) of the FCRA.

3. Correct my credit report by removing the reinserted information promptly.

**Supporting Documents : ** Enclosed with this complaint are copies of relevant documents, including : - Copies of correspondence with EXPERIAN ] regarding the original deletion. 
- Copies of my current credit reports highlighting the reinserted information. 
- Any other supporting documents deemed necessary to investigate this matter. 
**Contact Information : ** Please feel free to contact me at the above address or by phone at should you require any further information or clarification regarding this complaint. 
I appreciate your prompt attention to this matter and look forward to your swift resolution. Thank you for your assistance in protecting consumer rights under the FCRA. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXXXXXX Account Number : XXXX Account name : XXXX XXXXXXXX Account Number : XXXX Account name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX
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: EQUIFAX, INC. (MI)

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.

Account Name : Chapter 7 Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 information is inaccurate.
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: EQUIFAX, INC. (AZ)

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.

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 

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 XXXX 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 information is inaccurate.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

Do you know or have any idea how distressing it is when youre working your way off honestly, then you look at your credit report erroneous information everywhere that has negatively impacted both my credit score and my life, it is my literal lifeline during emergencies, and every paycheck is an emergency.
Consumer complaint received 2024-08-14
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation (OH)

We have been using and paying card in full for over a XXXX, went to see family a state away due to a XXXX and as we XXXX XXXXXXXX XXXX the card started declining, we didnt even get phone call with the number they used to identify my account!
Consumer complaint received 2024-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NY)

XXXX : ATTENTION CITIBANK CHARGING LIVES FOR USING THEIR BANK READ BELOW : At closing of day XXXX my account was at : {$430.00} XXXX had already been paid Today without any purchase the account was THEFT at : {$180.00} Therefore, there is {$180.00} missing from account. 

As per a Citibank representative on microphone on the train that works in New Jersey XXXX branch : " The bank charged you and your husband your life for using Citibank! '' Citibank theft! Of {$180.00} ( My birthday and the age of my husband ) On XXXX {$12.00} went missing from account Previous thefts : FRAUD See attachment XXXX XXXX XXXX XXXX XXXX Citibank Dispute charge {$29.00} today XXXX ; String of Frauds to my Citibank account My account should be XXXX this morning XXXX and {$29.00} are again missing from account Account this morning available balance : {$770.00} Please find the {$29.00} money missing. Another theft was committed on XXXX in the the amount of {$14.00}. Read below : FRAUD See attachment XXXX XXXX XXXX XXXX XXXX Citibank Dispute charge {$14.00} For a " Scammers Be Careful! '' The purchase was completed without my authorization. Citibank offered to reimburse, but only if I cancel my card and reorder a new one. At the moment, I CAN NOT do so as I am in transit to work today XXXX. Apparently, the Fraud was completed on XXXX If you can, please refund my account without canceling my card. I will update PIN information. XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Eastern Account Systems of Connecticut, Inc. (PA)

My wallet was stolen about 2 years ago and someone opened credit cards in my name, got into my bank account and over drafted them on several occasions. Ive tried and tried to get these removed and resolved but my credit will jump right back up in the XXXX and go tight back down when they put it on there again, i have s car loan through XXXX thats it ive never been late on it my credit should be excellent but these people are morons find who stole my identity and put it on their report id like to buy a house when my car is paid off
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: EQUIFAX, INC. (NC)

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. 

Account Name : XXXX Account Number:XXXX and list of Inquiries. 

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 information is inaccurate.
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: EQUIFAX, INC. (GA)

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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 information is inaccurate.
Consumer complaint received 2024-08-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (CA)

I apply for a credit card from Citibank XXXX times but they keep denying me. Even when my husband add me as an authorized user of his Costco Citibank, they did deny me. They also closed my account XXXX  years ago without any reason even we contacted them. They never explain what are the reasons. I've never been denied by any banks or credit card issuer because I have credit score around XXXX and never in debt, delinquent or over use my credit. It just happens with citibank only that makes me think they have a financial discrimination to me. I am very upset now and beg your help to my case with this bank.