davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat thse items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the itesm listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified this items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-02
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (TX)

I am writing to file a formal complaint against The XXXXXXXX XXXX ( as well as National Credit Systems ) for their unlawful retention of my security deposit and unethical debt collection practices. The details of my concerns are as follows : XXXX. Unlawful Retention of Security Deposit : Upon the termination of my lease with The XXXX XXXX  on XX/XX/XXXX, I fulfilled all conditions required for the return of my security deposit. However, my security deposit has not been returned to me, and I have not received any reason for its retention. The 30-day window mandated by Texas Property Code Section 92.109 for the return or explanation of retention has long passed. 

XXXX. Unethical Debt Collection Practices : Recently, I received a notice from a debt collection agency ( National Credit Systems ) regarding an alleged charge. According to the bill, the charge was processed XX/XX/XXXX, almost a month prior to the date it was recorded in the apartment complex 's system. Despite disputing this debt, the collection agency has not provided any written documentation proving the validity of this debt. Since my dispute, the only documentation I have received from National Credit Systems is a letter dated XX/XX/XXXX which contained threats to report an alleged debt to credit agencies unless I pay " soon, '' but did not provide a specific deadline for payment. 

I am requesting help in obtaining the return of my full security deposit from The XXXX XXXX. Furthermore, I am requesting assistance in getting National Credit Systems to cease all debt collection efforts until the validity of the alleged debt is verified. The Texas Business and Commerce Code 17.46 prohibits deceptive practices, including making threats without a legitimate basis. National Credit Systems recent letter is a clear attempt to intimidate me into paying a debt that I have formally disputed and for which I have requested validation. If this would be better handled with a separate complaint, please let me know. 

These issues have caused significant stress. I am prepared to provide any additional documentation or information necessary to support my complaint. 

Thank you, XXXX XXXX
Consumer complaint received 2024-08-02
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 (FL)

I received an AMEX Gift Card. By going to AMEX 's website, https : //balance.amexgiftcard.com, I verified that the proper balance of {$30.00} is on there. I attempt to use this on XXXX and the transaction is declined. Many people have reported having this problem starting this past year with their AMEX gift cards on XXXX. XXXX states the issues is not with them and that it is AMEX that is declining the transaction.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: OneMain Finance Corporation (MS)

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report ACCOUNT NAME : ACCT # XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy.

I contacted " THE COMPANY '' and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me.

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.
Consumer complaint received 2024-08-02
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (NV)

XX/XX/year> I received XXXX email from company that's illiterate. To my understanding computer hackers spell cusotmer name wrong amd are in practice of denying customer account while customer is a armed US citizen entitled to a charge card. The debit card is for unarmed citizen with employment and the charge card is for armed citizen registered as US consumer. I need a charge card with account. I write to notify company of illiterate email reference # XXXX.
Consumer complaint received 2024-08-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (AZ)

The company stated they had sent the Verification Notice to an address where I never lived on XX/XX/year>. Following this, they had reported the lack of payment to Credit Bureaus. Therefore, I had not been notified of my debt before they reported it, which violates FDCPA 1692g.
Consumer complaint received 2024-07-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

the website and app right now doesn't have any options for making a credit card payment. The app will force you to apply for a teen master card and the website doesn't even have an option. The XXXX phone numbers will force to make a XXXX promps and options w/o communicating with a human being. Your chat doesn't work. I had to call XXXX XXXX  directly to make payment. You guys are a global company with out any customer service what so ever.
Consumer complaint received 2024-10-07
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. (MA)

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2024-10-07
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)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX Balance : {$0.00} CREDIT ACCEPTANCE XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX  XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX Balance : {$0.00} NCSTATEEMP XXXX Balance : {$8200.00} NCSTATEEMP XXXX Balance : {$980.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX Balance : {$170.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00} XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX OF XXXX XX/XX/year>
Consumer complaint received 2024-10-07
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. (NY)

I have fraudulent inquiries on my report. This is in violation of 15USC1681B Permissible purpose of consumer reports and the following Inquiries I do not recognize or give consent to PLEASE REMOVE IMMEDIATELY. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, XXXX XXXX XXXX XXXX XXXX  DELETE ALL FRAUDULENT INQUIRIES IMMEDIATELY
Consumer complaint received 2024-06-24
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)

My account with XXXX XXXX XXXX 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 ( 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. 


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 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (FL)

I have been trying for 10 days to transfer XXXX from my PNC ( Growth ) savings account to my XXXX with XXXXXXXX XXXX. I am continually obstructed from transferring the money in the name of " my protection. '' I First, PNC required that I " verify '' the external account ( even though they have you double check the routing and account numbers you're using ). This entailed PNC depositing XXXX small amounts and then withdrawing them and asking you to confirm what they were. This took XXXX days for PNC to do. 

Then, after I verified the account, the system informed me I was only allowed to transfer XXXX per day and a maximum of XXXX per month, because I had not been using that external account for at least 6 months. I was trying to get some money in the account so that I could start earning interest, so I tried making a XXXX transfer. Upon submission, I was told that my account was on hold and I had to call in to PNC to remove the hold so the transfer could go through. 

I spent XXXX mins on the phone with PNC to get the hold removed. I also relayed that I was not happy with the arbitrary transfer limitations and asked them to fix it, and they said they would submit a case to have it fixed. I would have been satisfied to have that resolution, had problems not continued to occur. 

After the call, I went to schedule another XXXX transfer for the following business day, and upon submitting it, the system informed me that both requesting transfers, including the XXXX for which I had just had a hold removed, were on hold, and would be rejected if I didn't call back. 

I called back and spent hours trying to get to the route of the problem, transferred back and forth between XXXX different people, and finally was told that someone would be giving me a call back to handle it. 

I received a call 3 days later from XXXX XXXX who, after another half hour, eventually determined the best way to move forward was to raise the external transfer limit and told me she'd need to have someone else do that. That took another 2 days. 

XXXX called me back today and said my external transfer limit was raised to XXXX daily, XXXX per month and so I should now be able to go in, transfer most of it today, and then transfer the rest tomorrow. I thanked her for finally getting a resolution ( or so I thought ) for me and ended the call. 

When I went to make the transfer, the system informed me that I had not only both of my earlier transactions held AND rejected, but my external bank ( the one I had verified ) was now on hold and I am not currently allowed to send transfers. 

I tried calling PNC one more time, although now the story is that they can't remove holds on my account, even though my name is on the account and XXXX other people helped me no problem, XXXX, a supervisor, insisted I need to sign up for something else first.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GREENSKY OPERATIONS, LLC (PA)

Name : XXXX XXXX XXXX : XXXX XXXX XXXX Green Sky Account Ending in : XXXX Greensky 's autopay stopped working and I was out of the country and not notified in time, causing me to miss XXXX payments. The second I got back, I called Green Sky because I saw a letter at home arrive. 

When I called Green Sky, they addmitted that - Their Auto Pay didn't work and they had no explanation for it - They admitted it was their fault- They told me they would remove the blemish from my credit report since it was their fault I have spoken to several customer service reps and have not been able to resolve this - i'm only getting the runaround. 

This is a serious offense that I would like resolved immediately before escalating legal action.
Consumer complaint received 2024-06-25
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: NAVY FEDERAL CREDIT UNION (AZ)

Once again, my husband and I have applied for a personal loan and a refinance of a car loan. We have received the same message from XXXX XXXX that they are unable to pull our XXXX credit bureau. We have already contacted XXXX to clean up old trade lines on our bureau, but credit bureaus report XXXX XXXX for a certain number of years and its up to the creditor, not the credit bureau, to remove them. In fact, XXXX XXXX is XXXX of the largest reporting companies on our bureaus of old and closed accounts. This is not a consumer issue, this is a company issue. Other companies have successfully pulled our bureau with no problems. Please read their message attached. This is poorly worded and makes no sense. I have an opened complaint on this company. I have also complained previously, but obviously they are not willing to resolve their issue for a Veteran.
Consumer complaint received 2024-06-23
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 have not supplied under the doctrine of estoppel by XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX I presume that no proof of the alleged debt, nor therefore any debt, in fact therefore exists. 


Experian : These inquiries on my credit profile is an identity theft error and need to be removed from my credit profile immediately. 

XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX The collection accounts below don't belong to me. Please remove the erroneous accounts from the credit profile : XXXX XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance - Status Account charged off/Never late. {$2.00} written off. 
XXXX XXXX dispute Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$530.00} written off. 

XXXX XXXX XXXX dispute Date opened XX/XX/XXXX Balance {$200.00} Status Account charged off. {$200.00} written off. {$220.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$930.00} Status Collection account. {$9.00}
Consumer complaint received 2024-06-23
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. (PA)

Credit agencies, collection companies, all expected to supply accurate information in a timely fashion. there should be no reason why information taking longer than 30 days should be acceptable. Legally 30 days is the legal timeframe. there simply needs to be an agency that actually holds these companies accountable. the following cases should be removed from my credit report. ( XXXX XXXX XXXX XXXX / Act. # XXXX ) and following CFPB Disputes : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-06
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. (IL)

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 Experian Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, The CRAs have a grave responsibility to ensure the accuracy and fairness of my consumer report. Despite multiple dispute attempts the CRA 's continue to incorrectly report inaccurate and misleading information to my consumer report, specifically the listed charged-off account ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The account was CLOSED XX/XX/XXXX and is actively reporting " last activity '' of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

This information is in direct violation of the Fair Credit Reporting Act ( FCRA ) and is adversely affecting my credit profile. The continued reporting of this account as charged off with a remaining balance is not only inaccurate but also misleading. The Internal Revenue Service ( IRS ) clearly defines a charged-off account as XXXX with no remaining balance, in addition too, becoming TAXABLE INCOME to the consumer. To which I have never received any XXXX. The CRA 's action in reporting this account with a balance constitutes a violation of the FCRA by providing false, misleading, and unverifiable information. 

Furthermore, the inclusion of these accounts on my credit report without my explicit consent is a clear violation of my privacy rights. The FCRA mandates that consumer reporting agencies, such as ( XXXX, Experian, XXXX ) have a duty to protect consumer information and ensure its accuracy. The CRAs actions in this matter represent a blatant disregard for these regulations. By reporting inaccurate and misleading information about me, the CRA 's have caused significant harm to my credit standing, limiting my access to credit and financial opportunities. This is a direct result of their ( XXXX, Experian, XXXX ) negligence and failure to adhere to the FCRA. I demand the immediate deletion of the aforementioned charged-off account from my credit report. 

Additionally, I reserve the right to pursue all available legal remedies, including but not limited to monetary damages, for the harm caused by the CRAs violations of the FCRA. I have attached a copy of my credit report for your reference. I expect a timely response to this dispute, including written confirmation of the accounts deletion from my credit report. Thank you for your prompt attention to this matter. 

Best Regards, XXXX XXXX XXXX XXXX ALL RIGHTS RESERVED