davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-01
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. (GA)

I am writing to formally request the blocking and deletion of certain accounts and inquiries from my credit report due to my status as a victim of a recent data breach. According to the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681c-2 ( a ) and 605 ( b ), I am entitled to have fraudulent accounts and inquiries related to identity theft blocked and removed from my credit report. 
Please take the necessary action to block and permanently delete the following information from my credit report : Accounts : XXXX  Account Number : XXXX Opened Date : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX
Consumer complaint received 2024-10-28
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (WA)

On monday XX/XX/XXXX my employer in Oregon purchased an American express gift card for {$250.00} for my anniversary. I received it in Washington on XX/XX/XXXX and on the XXXX I activated the card on the the website. It showed activated for the amount of {$250.00}. Later that day I went grocery shopping and my purchase total was {$220.00}. I swiped the card and it declined. Tried again and it declined. I was at self chrck out so the cashier told me to try up front with her. It declined again. I checked online and it showed my gift card being declined. I called customer service and was told that because I tried so many times it was flagged as fraud. This is the dumbest thing I have ever heard. How are you supposed to use it if it's going to get marked as fraud it's a gift card she also told me it was suspicious because it was bought in Oregon and used in Washington. Again this is a gift card. I had to file a claim and it has to be reviewed then I MIGHT get a replacement gift card. I want to be able to use my {$250.00} that my employer paid for. What if the next card does the same thing this is not right.
Consumer complaint received 2024-10-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: Onity Group Inc. (FL)

Our APR has gone up significantly. We called to speak with an account Manager who stated our interest is based on XXXX rates or XXXX XXXX XXXX XXXX. The XXXX scandal goes back quite a few years and after XXXX  banking companies were fined for manipulating the XXXX rates. The XXXX rates then fractured into multiple different versions, and there no longer is an official XXXX rate. The mortgage says we are to be notified if the mortgage company changes how our rates are computed but they have not notified us of any changes. At this point the finance company is charging us 10.8750 % and can not justify that rate. This is a corrupt system and we are being overcharged. Our payments are due to PHH Mortgage Services, XXXX XXXX XXXX XXXX XXXX XXXX Additionally, the finance company has often not distributed money they collect from us as indicated on the face of our check which often generates additional cost ( s ) being assessed.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NJ)

Equifax reported an additional bankruptcy on XX/XX/XXXX. They placed it on my report in XX/XX/XXXX from XXXX XXXX XXXX Utah with a claim number that does not belong to me. It belongs to another person. On my credit report in XXXX for a XXXX address is correct. They updated a bankruptcy that does not belong to me and I would like this removed Asap.
Consumer complaint received 2024-10-27
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kimball, Tirey & St. John LLP (CA)

I am disputing a debt that has been reported by Kimball , Tirey & St. John LLP on behalf of a company previously known as XXXX XXXXXXXX XXXX XXXX. This company has since rebranded as XXXX XXXX XXXX, yet the debt is still being reported under the outdated business name. This raises concerns about the accuracy and validity of the reported debt information.

Additionally, I did not authorize Kimball , Tirey & St. John LLP to report this debt to any credit bureaus, as required by 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). According to this section, consumer information can only be reported with a permissible purpose, including my explicit consent, which was not provided in this case.

Furthermore, under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt, including documentation proving the accuracy of the balance. I requested validation from Kimball , Tirey & St. John LLP but have not received adequate documentation to verify the debt or confirm my obligation.
Consumer complaint received 2024-11-01
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 am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-10-27
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: CITIBANK, N.A. (FL)

FOLLOWING ARE TWO DISPUTED CHARGES ON " XXXX XXXX XXXX XXXX  ''. 
XXXX XXXX ( RETURN FLIGHT PORTION OF ROUNDTRIP FLIGHT TICKET ) XX/XX/year> : CASE # XXXX, {$19.00} ( INFLIGHT WIFI SERVICE, XXXX XXXX ) NON-TRAVELED FLIGHT, REFUND ISSUED ( ATTACHED DOC.. ) XX/XX/year> : CASE # XXXX, {$140.00} ( FLIGHT COST ) - ( BAGGAGE FEE {$65.00} FOR ONE CHECKED BAG ON THE FLIGHT ) REFUND NOT ISSUED- SAME FLIGHT WITH WIFI SERVICE REFUND ISSUED REFUND WIFI INFLIGHT SERVICE ( {$19.00} ) ON NON-TRAVELED RETURN FLIGHT ( NO DOCUMENTATION NEEDED FOR REFUND )! 

MY FLIGHT COST REFUND ( {$140.00} ) SHOULD BE GIVEN SAME CONSIDERATION AS WIFI-INFLIGHT SERVICE REFUND!!
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

My account with EQUIFAX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX 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 2024-11-01
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)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (FL)

On XX/XX/XXXX I deposited a Cashier 's check via Chime 's Mobile Deposit feature. Initially, the notice I received stated the funds would be available by XX/XX/XXXX. A day or 2 later, I received a message that the funds wouldn't become available until XX/XX/XXXX. This is a clear violation of Federal Funds availability policy where at least the first {$100.00} is to be made available for any check deposits. I contacted their customer service via Chime 's chat feature and was told by both a representative and a supervisor that the funds could not be made available until XX/XX/XXXX.
Consumer complaint received 2024-10-27
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Bread Financial Holdings, Inc. (CA)

This company sent me an electronic message to notify me that they decreased my limit to XXXX $ by XXXX XXXX based on XXXX score XXXX. I worked hard to rebuild my credit and checked my XXXX score which is XXXX. Action taken by this company will impact my credit score and history negatively and for no reason. Ive always made on time full payments throughout my history with this company. I called to rectify the issue but they dont have humans to answer. I am requesting to see what report they used to make their decision and their reasoning.
Consumer complaint received 2024-10-27
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: DISCOVER BANK (PA)

I have disputed my account numerous times and the company is failing to forward me copies of said investigation, and or responding without addressing my issues.. 

In XXXX I requested certain information about said accounts and they haven't sent me over anything.
Consumer complaint received 2024-11-01
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. (IL)

I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report.

Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the XXXX, Experian, and XXXX data breaches, which makes me even more worried about how my personal information is being handled.
Consumer complaint received 2024-10-27
Product: Credit card — Store credit 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: TD BANK US HOLDING COMPANY (RI)

On XX/XX/XXXX, I made a purchase with XXXX. One of the items was a tortoise stuffed animal. And one of the other items was a XXXX  bag. But the tortoise was purchased for my niece who has XXXX. When it was received, she didnt like it. So it was returned along with all other items in the order. The XXXX bag was received, and it had a security tag attached. Unsure if removing it myself would damage the item. I no longer have a Nordstrom store in my state so I took it to the local Nordstrom rack store. They refused to remove the security tag from the item as it was not purchased there. They advised with Nordstroms free return policy to return the item and re-purchase it. All items were returned and received by Nordstrom, but I was never credited for the XXXX  bag or the tortoise stuffed animal. Ive contacted Nordstrom multiple times over the past six months regarding this issue. Customer Service cant do anything for me. I dont know what to do because I dont have possession of these items, but Im still being billed for them.
Consumer complaint received 2024-08-27
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. (PA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I asked, XXXX, Experian and XXXX to reinvestigate these accounts : 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 However they have stated everything was accurate and complete, but how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 i ( 5 ) they are suppose to modify accounts that are not reporting correctly.

15 USC 1681 section 602 A States I have the right to privacy 15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 USC 1681s-2 ( A ) ( 1 ) A person shall not 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.

Also they are not compliant with Metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSWORLD SYSTEMS INC (FL)

I am writing to dispute the validity of the account referenced above with Transworld. Under the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request detailed documentation to verify and validate this debt. I request the following information be provided to substantiate the legitimacy of this account : 1. Full Breakdown of Charges : An itemized list detailing all charges associated with this account, including any interest or fees applied.

2. Proof of Application and Income : Copies of any application or income verification documents that were used to establish this account. I request documentation of my income, if applicable, that would have been provided at the time of account creation.

3. Proof of Contract : A copy of the signed contract or agreement, demonstrating my consent and understanding of the terms.

4. Record of Payments : Detailed records of all payments made on this account, along with dates and amounts, demonstrating how the balance was calculated.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-26
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: AMERICAN EXPRESS COMPANY (MA)

I ordered a pair of shoes from a third-party seller called XXXX, but they turned out to be fake. Despite multiple requests for a shipping label, they ignored me, forcing me to contact Amex for help. After about a week, they finally provided a label, but I was out of town at the time. Once I returned, I promptly sent the shoes back, and the merchant approved the return. However, I still haven't received a refund or credit, leaving me with a bill to Amex. They refuse to waive the charge due to the merchant 's three-day return policy, even though I repeatedly asked for a shipping label to return the counterfeit shoes. It feels unfair that I'm stuck with this bill when the merchant is unresponsive and I was the victim of their mistake.
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-17
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: EQUIFAX, INC. (NY)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process.

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 
XXXX XXXX XXXX XXXX XXXX XXXX