davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC (AR)

XXXX XXXX keeps posting on my credit report as closed and late payments, I was contacted my Jefferson Capital Systems XXXX XXXX XXXX advising that they was collecting for XXXX XXXX, I then paid the company the amount requested and was told that everything would be taken off my credit report, but everything is still on it, I have provided proof to XXXX and XXXX and both refuse to remove the account from my credit report even after providing proof of account paid for and cleared.
Consumer complaint received 2024-09-05
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. (ME)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score.

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2024-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: U.S. BANCORP (NY)

I got new internet service in XXXX at XXXX XXXX In XXXX I paid on line XXXX Baht ( XXXX $ ) I was told when I had no service that I had to go to XXXX XXXX and pay CASH ONLY for this service I did and no refund was given for on line payment
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My accounts 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 to be removed/updated. 

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. 

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!
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

My accounts 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 to be removed/updated.

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.

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!
Consumer complaint received 2024-10-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (TX)

I received a collection letter from XXXX XXXX XXXX on XX/XX/XXXX stating that an account was in collections in my name from Comenity Bank for {$610.00}. I contacted the bank, since I'd never heard of them nor ever received a statement from them. They sent me information that this account had been opened in XX/XX/XXXX with my name living in another state. It was paid on a couple of times before Comenity sold it to XXXX XXXX for non-payment. I was told that I had to state my case solely with XXXX XXXX. They determined that the debt was indeed not mine. I have been unable to have this removed from my credit report. Comenity Bank placed a delinquent account on my credit report and say they can't remove it because they sold the account to XXXX XXXX. XXXX says they can't remove it because they didn't place it. I have many complaints about this with XXXX and other credit bureaus, but they say their information is accurate even though I've sent a copy of the letter from XXXX XXXX XXXX stating that this isn't my responsibility. I want this fraudulent information off of my credit report.
Consumer complaint received 2024-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (MD)

Tuesday XX/XX/year> XXXX of my accounts had multiple duplicate debits and credits! I called the bank. I was told not to worry I wouldn't be charged for any fees since it was a bank error. Later that day I checked my accounts. The Bank deleted removed all transactions from the XXXX. Wednesday XX/XX/XXXX all transactions were back in different order with no duplicate transactions but had many fees.. Later that day I checked my accounts. This time everything was removed deleted from Monday XX/XX/XXXX. Thursday XX/XX/XXXX all transactions were back in different order with no duplicate transactions but had more fees. I went to the bank not to make a deposit. I was scared to, didn't know what was going on with my accounts. I talked to the teller. I was told nothing could be done until the bank manager came back from vacation. I thought that was also odd. A corporate bank has no one else that could explain and or fix the problems. Today XXXX  XX/XX/XXXX went back to the back. The manager was back from vacation. Yes, I waited a week to make any cash deposits and I only wrote checks that I had to. So I put my business on hold which was extremely in convent. I was told today the only day the bank had a problem was on XX/XX/year>. I emailed the screenshots from the XXXX to send to corporate. Now I wait again for an answer if I get one.
Consumer complaint received 2024-09-05
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. (NC)

I XXXX XXXX Never Signed, Provided Documentation or Have any first hand Knowledge About ANY account Authorization That took place with ANY ACCOUNTS LISTED IN THIS COMPLAINT EVER! WITH THE CREDITORS BELOW or! Any Documents Those companies RECEIVED WAS FRAUD and I stated to the creditors also. I'm a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

There's an unfamiliar credit inquiry on my report which is very alarming, as I didn't authorized or consented to this company accessing my information, I'm trying to understand how and why this happened and it's causing me a lot of stress and anxiety.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 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 und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency 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 accounts listed IMMEDIATELY.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-08-27
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. (MS)

Recently, I did an an investigation on my report which caused XXXX XXXXXXXX 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 2024-09-05
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. (NH)

On or about XX/XX/XXXX I was the confirmed victim of a XXXX XXXX and hackers gained access to my XXXX  XXXX XXXX account. It between the XXXX  of emails I did notice XXXX from XXXX stating that some account info had been changed. I immediately called XXXX and the between the Fraud and Online banking teams they were able to take back control of my account.

They then created a new account for me and informed me that the balance and payments including my automatic payments would automatically transfer. So I had assumed I was all set. However on XX/XX/XXXX I was informed by my credit monitoring service that a derogatory credit comment was placed in my file by XXXX  for non payment. My XXXX XXXX plummeted by XXXX points and all my existing lines immediately put limits on my accounts. 

I figured this was a clerical error and XXXX  would immediately fix this mistake on their part. Upon calling several agents admitted this was a problem with XXXX  and refunded my late fees. However I was informed on XX/XX/XXXX ( after several days of calling and opening a customer service case # XXXX ) they had denied my request to fix this erroneous report, further victimizing me. I need this erroneous report removed and my credit file restored to what it was prior to this fraud attack and victimization by XXXX  XXXX XXXX.
Consumer complaint received 2024-10-04
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/year>, my wallet, containing my drivers license, social security card, and credit cards, was stolen. Immediately after realizing the theft, I placed a freeze on my credit reports with the major credit bureaus to protect my identity and financial information.

As the months passed and the COVID-19 pandemic took full effect, I continued to work and monitor my credit. However, despite these precautions, an unknown individual filed an unemployment claim in my name. This fraudulent activity resulted in the theft of my identity, causing significant distress and complications with my personal and financial records. Around XXXX was taken from my Edd pre-paid card by the fraudster. My whole identity was switched over to the point I couldnt do anything about it. Bank of America failed the consumers by not adding better security on their debit cards. They could have added the chip to help prevent a lot of these fraudulent transactions. 

I am providing this statement as part of my efforts to resolve any issues arising from this identity theft. Please let me know if additional documentation or information is required to assist with any disputes or investigations.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  Account Number : XXXX. * Date of Late Payment : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : 1. The payment was made on time, as reflected in the attached bank statement, which shows that the payment was processed on XX/XX/XXXX, well before the due date. This suggests a clerical error in reporting the payment as late. 

2. Additionally, I have attached the payment confirmation receipt from XXXX, which clearly indicates that the payment was received and processed on time. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-05
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

I am requesting the removal and permanent deletion of an inaccurate collection account from both my Experian and XXXX credit reports. This account, related to Spectrum services, was previously removed after I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ), as it was confirmed to be inaccurate. However, the collection has now reappeared on my credit reports under different collection agencies and for varying amounts ( {$120.00} and {$120.00} ). 

I currently have an open and active account with Spectrum, and I am making regular monthly payments. My account has never been sent to collections, as confirmed by Spectrum on multiple occasions. 

This situation appears to be a deliberate attempt to harm my credit by exploiting loopholes or transferring the account to different collection agencies after removal. It is causing unnecessary stress and damage to my credit score, despite the fact that I have no delinquency or unpaid balance with Spectrum.

For a fair resolution, I request the following : Immediate removal and permanent deletion of all collection accounts related to this issue from both my Experian and XXXX credit reports. 
Written confirmation from XXXX and all involved collection agencies ( such as XXXX XXXX XXXX  ) that my account was never in collections. 
A thorough investigation into why this issue keeps recurring, including measures to prevent future erroneous reports. 
I also expect any damage to my credit score as a result of these false reports to be corrected. If this issue is not resolved, I will consider further legal action or escalate the matter once again to the CFPB.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

So this is my pre litigation demand at this point. Experian continues to report an account and inquiries without properly verifying them to ME per the FCRA. I demand a complete re investigation for the 5th time now. If these items are not removed from my credit report I will move forward with filing a civil complaint based on Experian ; s continuous negligence
Consumer complaint received 2024-10-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP (TX)

On XXXX I received a statement for an account in my Company name ( XXXX XXXX XXXX  ) that I didn't open from US Bank. I called US Bank on XXXX and talked with the fraud department about this to get it shut down. The representative froze the account and said I would be getting a request for more information via email. 
I have since filed a report with the FTC, the XXXX, and opened fraud alerts with the XXXX credit reporting agencies.
Consumer complaint received 2023-04-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings (GA)

Hello! 

I have been attempting to get a dispute about a fraudulent debt collections notice resolved and removed from my credit report, as it is tarnishing my credit score and reputation. The " collections agency '' Zions Debt Holdings LLC claims that I have a {$460.00} " past due '' debt balance owed from an " account '' through a company called " XXXX. '' I have never had any financial interaction or otherwise with " XXXX, '' nor have I ever even heard of this company or know what they do or sell. This claim showed up in the mail a little over a month ago and the debt is supposedly from 2020. I have disputed the debt through XXXX, however, the dispute was simply updated, and not removed and deleted from my account. I have researched the company for which the collections agency is claiming that they purchased my " account '' from, and found many serious legal cases of fraudulent debt collections for which Zions Debt Holdings LLC has been sued for in the amount of millions of dollars. This is clearly happening to more people than just me, and has been an ongoing issue for a number of years now, as these legal cases were dated over a span of the last 5-8 years or so. Please tell me what steps I should be taking in order to rectify this fraudulent debt collections notice -- I am about to be a XXXX XXXX just entering the world and the workforce, and a damaged credit score is the last thing I need!