davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-08
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. (AZ)

My account with XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX 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 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 that are reported 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2024-07-08
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. (PA)

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX 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 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 that are reported 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 XXXXXXXX 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 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These fraudulent, inaccurate, and false information consists of a credit card account opened at XXXX XXXX  on XX/XX/XXXX account number XXXX, credit card accounts opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX, account number XXXX and XXXX, and a personal loan account opened at XXXX XXXX on XX/XX/XXXX, account number XXXX, and a credit card account with XXXX on XX/XX/XXXX account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

This account was closed by the creditor on XX/XX/XXXX. My total balance due by XX/XX/XXXX was {$520.00}. On XX/XX/XXXX, I paid the balance in full, which left my account at {$0.00}. After the account was paid in full, XXXX proceeded to apply interest charges and late fees. In XX/XX/XXXX, XXXX reported that the account was late to the credit bureaus. I contacted XXXX to inquire about the charges, which were reversed and corrected due to the account being paid in full. However, no changes were made to the credit bureaus. I completed a dispute with all XXXX bureaus in XXXX, which all were corrected with the exception of Experian, which not only reported I was late in XXXX but reported I was also late in XXXX. I contacted XXXX on XXXX and learned that my account had a credit for overpayment in the amount of {$2.00}. I was told I must email the credit reporting department with the error. I emailed the credit reporting department to be advised a refund was being sent, but a " good will adjustment '' could not be made on my account.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The information utilized and sold by the organizations, including the Name, Address, and Credit Report, is private property of the Trust. The organizations have not obtained authorization to use nor have you provided compensation for the use of this private trust property. Consequently, all credit reports associated with the said consumer are inaccurate, as the Trust is the original creditor extending credit to all reporting financial institutions. 
Proof of possession of the certificated security, equitable title, or certificate from the Trust with rights of use of this private property is hereby demanded. 
Due to the unauthorized use and profiting from the private property of the Trust, a constructive trust is hereby established. The said organizations are appointed as a fiduciary with limited power to act on behalf of the Precedent Vested Landed Estate.
Consumer complaint received 2024-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (MD)

Citibank failed to credit the account the bonus for the Enhanced Direct Deposit Offer. In opening and funding the account starting in XX/XX/XXXX, I relied on their mailing and email offers and complied with those terms which should have resulted in a {$200.00} account credit some time ago. 

For example, the Citibank of email of XX/XX/XXXX with the Subject line XXXX, Congratulations on enrolling in the Enhanced Direct Deposit Offer stated in relevant part : to earn your {$200.00} cash bonus, make sure to complete at least two ( XXXX ) Enhanced Direct Deposits totaling {$1000.00} or more within the first 90 days of opening your eligible account. XXXX deposits that together satisfied these terms were made on XX/XX/XXXX and XX/XX/XXXX. The email stated that the cash bonus will be credited to your eligible checking account within 30 days from the date you complete all Required Activities. 

In my first attempt to resolve this matter with Citibank, I initiated an online chat on XXXX XXXX, XXXX. The chat session lasted over half an hour before the chat was unceremoniously ended by Citibank without warning and without Citibank addressing the issue. 

I then sent Citibank a letter also on XXXX XXXX, XXXX via certified mail and which was delivered on XX/XX/XXXX to once again bring this problem to its attention. Citibank replied seeking more details on the offer, which I promptly sent. 

In a letter dated XX/XX/XXXX, Citibank falsely claimed that " " Checking Accounts '' must be opened in a physical branch or over the phone with a physical branch employee '. No such requirement was in the previous offer by Citibank. This is clearly fraud. 

In this time frame, I removed all funds from the account and on today 's date it reflects a negative balance for reasons not apparent to me.
Consumer complaint received 2024-07-08
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)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-09-24
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX, which falls under XXXX  according to XXXX 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 2023-11-10
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (SC)

3 years ago I went to One Main Financial to get a loan. I was approved and my loan totaled {$8000.00} plus the interest and taxes it was explained to me that I would be paying back {$13000.00}. Well, that wasn't the truth unknown to me. 
After 3 years of paying on this loan I thought I was done paying on it. I got my bill for the month and it continued to show that I still owed the full {$13000.00} which made no since to me. I contacted One Main and asked them why I still owed so much. I was not given a straight forward answer at all. I was told that my interest accrued daily for 30 days because I only paid my loan once a month. At this point I had already paid over {$17000.00} on this loan. 
In XXXX I informed One Main I could no longer afford the loan payments because I am on a fixed income and {$480.00} a month was too much. I also informed them that at their earliest convenience they could come pick up the car listed on the loan. The car is still at my home. 
On XX/XX/2023 a police office showed up at my home and I was served papers. I had been notified I was being sued by One Main for a total of {$19000.00}. This total is the loan balance plus court fees. 
What I did not know is that at the time of signing for my loan the interest rate was 35.74 % the finance charges were {$15000.00} leaving us me owing them {$29000.00} that is a difference of {$21000.00} dollars. If I had known this was what I was being charged I never would have signed for the loan.
Consumer complaint received 2024-04-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc. (FL)

My credit report showed a collection debt. I emailed the collection company on XX/XX/XXXX asking for the records to prove I had these services. I received an email on XX/XX/XXXX with only invoices attached. I told them I wanted the medical records to show I had the services and XXXX XXXX at Central Portofolio told me to contact my insurance company that they should have the records. I also called the the facility where it said I had the services and they said my records could not be found.
Consumer complaint received 2024-07-08
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)

My account with XXXX  was never late! I have had exceptional payment history with 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 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 that are reported 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 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 2023-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

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 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 {$240.00} XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-07-08
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. (NC)

Why Im still receiving emails for the bureaus saying Im helping by credit repair companies which is definitely NOT TRUE. I'm the one who send out the letters. Please make an action now! or i will sue you. Heres the list of inaccurate accounts and inquiries I want to remove. 

XXXX : XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Account Number : XXXX {$25000.00} XX/XX/XXXX XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Experian : XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX Account Number : XXXX {$25000.00} XX/XX/XXXX XXXX : XXXX  XXXX of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX  Account Number : XXXX {$25000.00} XX/XX/XXXX
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-03-22
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 (NY)

I received an Amex eGift Card. I used the link provided to activate the card, which loads and shows a balance. I attempt to use this on XXXX ( using at least XXXX less than the face value of the card ) and the transaction is declined. I then tried again with various other amounts less than the full face value. Many people have reported having this problem starting this past year.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

I have received your computer-generated notice informing me that you did not do any action or investigation for the disputes I sent out last time because you think I may have used a third-party credit repair company. Not only do I think this is just your delaying tactics to get an extra 30 days to fulfill my first request, but I also think it's a clear violation of the Fair Credit Reporting Act. Again, please be informed that you are reporting inaccurate and incomplete information on my credit report.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

I am filing to formally dispute the inaccurate reporting of a collection account by XXXXXXXX XXXX XXXX on my credit report. This account has been incorrectly reported and is adversely affecting my credit score. Despite my efforts to resolve this issue directly with the credit bureaus and XXXX XXXX XXXX the incorrect information remains on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

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.