davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

Amex Hilton Surpass claimed to have XXXX times of Hilton points when paying in Hilton XXXX including XXXX by Hilton. 

However I paid on XXXX by Hilton XXXX XXXX XXXX, it only gave me 3 times of points. 

I already notified Amex that, and uploaded the XXXX slip and hotel bill from that XXXX XXXX as my proof of hotel stay.
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. (NC)

I am writing to formally request your assistance in resolving a dispute concerning inaccurate information on my credit report. Despite my efforts to resolve this issue directly with the credit reporting agencies, I believe the inaccuracies have not been fully addressed according to the standards set forth by the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C.

1681i.

I am requesting that the CFPB oversee a procedural investigation into this matter to ensure compliance with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires the credit reporting agencies to conduct a reasonable reinvestigation of the disputed information.

Additionally, I ask that the results of this reinvestigation be provided to me within 5 business days of its completion, as mandated by 15 U.S.C. 1681i ( a ) ( 6 ). If the investigation finds the disputed information to be inaccurate, incomplete, or unverifiable, I expect it to be deleted from my credit report as per 15 U.S.C. 1681i ( a ) ( 5 ).

I appreciate your attention to this matter and look forward to your guidance in ensuring that my rights under the FCRA are upheld.
Consumer complaint received 2024-10-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Blitt and Gaines, P.C. (MO)

Bitt and Gaines, P.C. for XXXX XXXX XXXXXXXX XXXX, account number ending : XXXX, wasn't supposed to pursue a lawsuit because they did not properly validate the debt by providing the requested information, which is a violation of my ( FDCPA ) rights. I requested by fax validation of debt on XX/XX/XXXX. 

Request production of documents through the court on XX/XX/XXXX, and the judge requested an additional 30 days on XX/XX/XXXX. Blitt and Gaines told the court that paperwork was sent on XX/XX/XXXX. I still have not received their documents.
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 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 2024-10-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Blitt and Gaines, P.C. (MO)

Bitt and Gaines, P.C. for XXXX XXXX XXXXXXXX XXXX. for account ending # XXXX, wasn't supposed to pursue a lawsuit because they did not properly validate the debt by providing the requested information, which is a violation of my ( FDCPA ) rights. I requested by fax validation of debt on XX/XX/XXXX. 

Request production of documents through the court on XX/XX/XXXX and the judge requested an additional 30 days on XX/XX/XXXX. Blitt and Gaines told the court that paperwork was sent on XX/XX/XXXX. I still have not received their documents.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENOVA INTERNATIONAL, INC. (CA)

Hello a company named Net Credit illegally and fraudulently attempted to process a loan with my name, birth-date, email address, social security number, and fake address on XX/XX/year>. The application information was clearly fraudulent because the street and address was not associated with the city and state the application cotained. The company attempted to complete a loan application without my signature or permission. The fact that the phone number, address, and city were not real should have been an immediate red flag and that it was fraudulent. Yet Net Credit continued to process the application and attempted to extort me. As soon as I became aware of the fraud ( On XX/XX/year> via an email ) I contacted the company Net Credit and verified my personal information with them. They refused to work with me and stop the application process that day. The customer service agent was very hostile and unhelpful. After a week of waiting I was finally able to speak with a supervisor and cancel the application. In the meantime Net Credit is refusing to remove the credit inquiry from my social security number. It is my opinion this company is fraudulently attempting to use my personal information and to get a fake loan in my name. Account number for reference Account # : XXXX
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MS)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
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. (FL)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.
Consumer complaint received 2024-09-06
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 need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
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)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2022-09-05
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. (TX)

In accordance with the Fair Credit Reporting act Office of The Atty Gen XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 sec 602 A states I have the right to privacy.

15 U.S.C 1681 sec 604 A section 2 : It also States A consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-09-05
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-06
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. (IL)

I am absolutely livid about the inaccurate and derogatory information you have included in my credit report. The Fair Credit Reporting Act ( FCRA ) gives me the right to dispute any information that I believe is inaccurate, and it is infuriating that you have not taken this seriously. You had one job, and you failed miserably. 

It is outrageous that you did not document and validate the data in my report before making it available to creditors. The allegations of delinquency and derogatoriness against me are completely false, and I will not stand for this kind of slander. I will fight back with every ounce of strength I have. 

Your reporting does not meet basic federal or state requirements for reporting, and it can not be confirmed. I challenge your claim because it lacks compliance with the basic standards that would make me feel confident in what you're saying. You are required by law ( FCRA ) and reporting standards METRO 2+ to maintain and report data with complete accuracy and compliance, yet you have failed to do so. It is completely unacceptable. 

It is your responsibility to ensure that all of your claims are accurate and reported in the correct format. Failure to do so could result in serious consequences for you. This letter serves as notice that you are not doing your job properly, and I demand that you resolve this issue immediately. I am giving you 30 days from now ( the date of delivery ) to rectify this situation, or else there will be serious consequences. 

I want physical proof of your actions and my updated credit report. The listed claims in my report are clearly inaccurate, and I demand accurate and verified information for each claim. If the allegations are indeed false, I will delete them immediately. Don't make me come after you with everything I've got. 
Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, IL XXXX Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX
Consumer complaint received 2024-09-06
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. (MI)

Re : Urgent Dispute of Unauthorized Reporting Under 15 U.S. Code 1681b Dear [ Furnisher ], I write to you with deep concern and dissatisfaction regarding the unauthorized inclusion of information in my consumer report, a clear violation of 15 U.S. Code 1681b. This letter serves as an official dispute, urging your agency to conduct an immediate and thorough investigation into this serious breach of my rights. 

Account Name : XXXX Account # : XXXX I am writing to dispute the accuracy of information contained in my consumer credit report. Upon recent review, I have discovered entries that violate the Fair Credit Reporting Act ( FCRA ), particularly Section 611, which mandates the maximum possible accuracy of information in a consumer 's file.

Furthermore, the entries in question were reported without my written permission, contravening the requirements outlined in 15 U.S. Code 1681b ( 2 ) of the FCRA. As such, I request an immediate, comprehensive, and impartial investigation into these entries. I expect a detailed response outlining the findings of this investigation, including the original written instructions from me ( Consumer ) with my wet signature.
Consumer complaint received 2023-03-31
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: JPMORGAN CHASE & CO. (FL)

I HAVE BEEN TRYING TO REMOVE XXXX FRAUD ACCOUNTS : JP MORGAN CARD SERVICE AND XXXX XXXX XXXXXXXX WAS ABLE TO PROPERLY INVESTIGATE AND VERIFY THAT THE ACCOUNTS INDEED NEVER BELONGED TO ME SO XXXX HAS TO DO THE SAME BECAUSE THE ACCOUNTS ARE NOT MINE. Per 15 USC 1681b " the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 1681m ( a ) ( 3 ) 1 of this title '' THE COMPANY HAS NEVER SENT ME A VAIDATION OF DEBT THERE FOR THE ACCOUNT MUST BE REMOVED.
Consumer complaint received 2024-09-06
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: Experian Information Solutions 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 2024-08-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc. (OK)

on XXXX XXXX XXXX, I sent in writing my refusal to pay a debt and demand them to stop all communications with me and requested inaccurate information that is reported on my credit report to be removed immediately. my rights as the law 15 U.S. Code 1692c ( c ) states below was exercised ; 15 U.S. Code 1692c ( c ) Ceasing communication " If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, '' I also stated in writing several times that the information is inaccurate. I have a total of 30 months of payments of {$180.00} equaling a total of XXXX the original amount of the loan is in the amount of {$4600.00}. they continue to report negative information that is inaccurate. 
They repeatedly contacted my neighbors, my landlord, my employer and my family several times after I sent in writing to cease all communication and to stop reporting inaccurate information and remove themselves from my credit report. They continue to report the inaccurate information.
Consumer complaint received 2022-09-05
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

my identity was stolen and was used to apply for accounts that I personally DID NOT apply for. there are hard inquiries from varies company that has stolen information with out my signature or my consent. 

XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Bank of America XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-06
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. (FL)

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 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

I repeatedly call experian regarding an issue with my credit score. Based on XXXX months ago when i called because i saw a XXXX drop for no reason. My debt amount went down {$4000.00} and they decrease my credit score. I have been disputing inaccurate items on my report. As of yesterday they corrected my addresses, removed some unknown inquiries but not all and removed the XXXX  so I go to look at my report, instead of going credit scoring going up they decreased it by XXXX points which does make any sense to me. Everything is unchanged. So how is it when negatives are taking off that your scores are being reduced and it seems im being penalized for asking to correct and issue so now my credit score takes a nose dive. I am requesting an investigation into this issue with my credit score. I'm trying to repair my credit back to go standing and score by asking them to correct the inaccuracies but instead they are taking major points off my credit report and making it worse.
Consumer complaint received 2024-09-06
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. (OH)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-31
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: JPMORGAN CHASE & CO. (FL)

Back in XXXX XXXX XXXX I reached out to all XXXX credit bureaus plus the creditor which is XXXX XXXXT AND JPMCB CARD SERVICE. XXXX was successfully able to dispute and block the fraud account which is CREDIT FIRST AND JPMCB CARD SERVICE BUT Both XXXX and XXXX still refuse to remove it. I am a victim of Identity fraud and i sent all providing documentation verifying that. The credit first account is not mine. I am not liable for any transactions made by this account nor am I responsible for this account. I AM TELLING YOU AS A CONSUMER TO REMOVE, BLOCK, AND DELETE THIS ACCOUNT INDEFINETLY AND DO NOT PLACE THIS ACCOUNT BACK ON MY CREDIT FILES. Per 15 USC 1681b " the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 1681m ( a ) ( 3 ) 1 of this title '' THE COMPANY HAS NEVER SENT ME A VAIDATION OF DEBT THERE FOR THE ACCOUNT MUST BE REMOVED.