davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-25
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)

This account starts the first payment late XX/XX/year>, I need it to show account balance, date of payment received, scheduled payment amount and amount paid. to check its inaccuracy. I am demanding a deletion inaccurate of the following account : XXXX XXXX XXXX XXXX XXXXXXXX number XXXX. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ). In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately :
Consumer complaint received 2024-10-25
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. (MD)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-10-25
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. (FL)

I am writing to formally request the immediate deletion of two erroneous child support entries on my consumer report. The discrepancies within these entries raise significant concerns regarding their accuracy and compliance with the Fair Credit Reporting Act ( FCRA ), as well as the Federal Trade Commissions ( FTC ) guidelines for consumer reporting. The following inaccuracies pertain to the accounts in question : Child Support Account XXXX Date Opened :XX/XX/2023XX/XX/year> Unpaid Balance : {$18000.00} Current Rating : Collection/Charge-off Comments : Placed for Collection This account lists a balance of {$18000.00} with collection/charge-off status but lacks any relevant payment history or evidence of prior attempts to resolve or notify me of the debt. Additionally, the absence of an accurate high balance and the arbitrary comments raise doubt about the validity of this account 's information. 

Child Support Account XXXX Date Opened XX/XX/2023XX/XX/year> Unpaid Balance : {$8600.00} Current Rating : Collection/Charge-off Comments : Account Seriously Past Due and Assigned to Attorney or Collection Agency Similar to the first account, this listing reflects an outstanding balance without corroborative history or lawful support. The alleged collection status contradicts actual payment efforts and fails to accurately represent my creditworthiness. No detailed payment record, historical balance, or application of funds is provided, further casting doubt on the account 's legitimacy. 

These inaccuracies violate the FCRA requirements, as the FCRA mandates that information on consumer reports be fair, accurate, and substantiated. The discrepancies in both accountsincluding their inflated balances, ambiguous comments, and inconsistent collection actionsdemonstrate the inaccuracies. Therefore, I am requesting the immediate removal of these child support entries from my report under FCRA Section 611 for inaccuracy and incompleteness.
Consumer complaint received 2024-10-25
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. (TX)

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-22
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. (FL)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-22
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. (NV)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
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. (LA)

I am writing to formally request that all the accounts listed below be blocked and permanently deleted from my credit report as a result of a recent data breach, pursuant to the Fair Credit Reporting Act, 15 USC 1681c-2 ( a ), and FCRA 605 ( b ). These accounts were fraudulently opened or reported without my authorization, and I am a victim of identity theft. 
Please find the details of the fraudulent accounts below : XXXX. XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance : {$23000.00} XXXX. XXXX XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$10000.00} XXXX. XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance : {$10000.00} XXXX. XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$1100.00} XXXX. XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$1100.00} XXXX. XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$5700.00} XXXX. XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance : {$10000.00} XXXX. XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$410.00}
Consumer complaint received 2017-05-16
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Bond And Collection Associates, Inc. (WI)

We have received several calls from a man named  XXXX   XXXX  looking for my husband. He refuses to provide any more details other than his name and  XXXX  number, saying this ous a personal matter. Due to how rude he has been coupled with the lack of information from him, I asked him to correspond via mail, and to stop calling. The calls stopped, but never received anything in the mail. Several weeks pass, and  XXXX   XXXX  called our house again this morning. I explained my husband was unavailable, and asked if I could help him. He asked me to just have my husband call him, and provided his name and  XXXX  number. When i asked what company he was with, he refused to tell me, only saying it 's a personal matter. I told him, " no, you need to tell me what company you represent or I wo n't have my husband call back ''. He said, " real immature. How about you grow up? '' I said, " excuse me?! '' He said, " you heard me! Grow up! '' I responded with, " lose my number   XXXX   XXXX   '' and hung up. I then had to  XXXX  the  XXXX  number he gave me to find the company he worked for, which turned out to be  National Bond and Collection Associates. I  called the other number listed on the website and asked the receptionist to speak to a supervisor. Then I asked if  XXXX   XXXX  was an employee. She explained that he was the supervisor. I then asked to speak with his boss because I was upset at the insulting bullying tactics  XXXX   XXXX  was utilizing. The receptionist, who did not give her name, chided me while saying, " look at how you 're talking! You are immature and need to grow up! '' I told her to lose our number, and proceeded to call their local police department. The answering dispatcher told me I needed to go through my local department. Needless to say, the police were a dead end. I then contacted the FTC, who directed me to this site to file my formal complaint. I 'm familiar with collecting procedures and what companies can and can not do.  XXXX   XXXX  and his associates resort to illegal bullying tactics and evasive answering ; intimidating actions that might scare people into paying a debt they might not even have.  XXXX   XXXX  's refusal to provide supporting documents and unwillingness to provide company identification makes me think they 're skirting the line of fraud. At the very least, they 're bullies that need to be stopped.
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. (CA)

I am writing to formally request the blocking and permanent removal of the account and credit inquiries listed below from my credit report. I am a victim of identity theft due to a data breach, and these items were fraudulently added to my credit file without my authorization. This request is made under the Fair Credit Reporting Act, 15 USC 1681c-2 ( a ), and FCRA 605 ( b ). 
Fraudulent Account : 1. UNAUTHORIZE COLLECTION Account # 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 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 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 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 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 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 XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

XXXX XXXX, Account Number XXXX XXXX and Account Number XXXX, has reported this account as a charge off on my consumer report. Per the IRS this is considered income and we know that income does not belong on a consumer report. XXXX XXXX XXXX XXXX, Account Number XXXX XXXX, has reported this account as a charge off on my consumer report. Per the IRS this is considered income and we know that income does not belong on a consumer report. XXXX XXXX, Account Number, XXXX, has reported this account as a charge off on my consumer report. Per the IRS this is considered income and we know that income does not belong on a consumer report. XXXX XXXX XXXX, Account Number, XXXX, has reported this account as a charge off on my consumer report. Per the IRS this is considered income and we know that income does not belong on a consumer report.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

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 2024-10-25
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)

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history 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 to be 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. 


XXXX EXPERIAN 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! 


Update the late payments from my consumer reports
Consumer complaint received 2017-05-16
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (CA)

Macy 's w ebsite showed the balance owed and I paid that balance. I requested that my credit card be closed.     I continued to be on their email list for sales but just ignored the mails then I get a call a few months later saying that somehow when I closed my account they billed me another dollar so I had a few months of fees ( each month a few more dollars to be paid ). I did not think this was correct but the representative assured me that if I paid the  XXXX  the account would be  XXXX  balance. He processed the payment and then the next month I see again they are charging me another fee.     When I complained over their website portal they said I 'd have to call another part of their company to take care of it. When I explained that I would make a legal complaint against their company they replied that they were sorry and " Our record indicates that your account was closed on  XXXX / XXXX / XXXX , as you requested. As of today,  XXXX / XXXX / XXXX , you have a zero balance. '' Now I get an email and it has a balance due for  XXXX  of {$2.00}! How many people are they doing this to?
Consumer complaint received 2024-10-31
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: STATE EMPLOYEES CREDIT UNION (NC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (PA)

Saturday XX/XX/year> - XXXX* XXXX XXXX XXXX XXXX NEW YORK {$220.00} I did not make this transaction and the company is saying that I viewed my online portal various times prior to reporting this transaction as fraud as that should even be a reason to consider whether or not something is fraudulent or not. Viewing my account online it's specifically states how the card was used for this specific transaction and it clearly states " Purchase Method : RADIO FREQUENCY IDENTIFICATION '' I tried to resolve this matter with Discover saying my card could've been taken from me and used without my knowledge but they were hesitant to reopen my case because they stated I viewed the transaction various times prior to reporting it as fraud even though that is not true or I may have not even noticed the transaction.
Consumer complaint received 2024-11-03
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MO)

I was traveling and came home to a two-month-old statement. Fee was assessed XX/XX/year> for {$770.00}. XXXX  XXXX charges had gone up nearly {$150.00} and now a new card fee was introduced. When I called back to complain I was told that there was nothing that could be done about it. When I asked to speak with a supervisor I was given the option of prorating a refund. I was absolutely lied to with their first defense. She was willing to hang up letting me know that there was nothing that could be done, when in actuality, something could be done.
Consumer complaint received 2024-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (CO)

The us bank online system wouldn't let me cash out rewards on the XXXX XXXX XXXX XXXX credit card to my us bank checking account. As such I redeemed this for a statement credit. I called the bank a total of three times over the course of two weeks asking for a check to be mailed to me for the negative balance on my card. 

The latest call id on XX/XX/2024 with a call ID of XXXX. A supervisor named XXXX told me they had still not mailed out a check.
Consumer complaint received 2024-10-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (NH)

My mother held a checking account in XXXX at the Wells Fargo in Wyoming. My mother was XXXX XXXX XXXX at the time and there was an awareness of her condition at the time the account was opened. My father was listed as spousal beneficiary. My mother passed in XXXX XXXX XXXX. The bank was notified and the account was closed. Years passed and my father was sent a check for the balance that he did not have the opportunity to deposit prior to his death in XX/XX/XXXX. The bank was contacted. We requested the check be reissued to the estate. Relevant documents were provided - death certificates for both parties. A copy of the trust. A copy of the court assigned executor of the estate. Well Fargo failed to clarify their process and told us that as the result of a deadline the check had been sent to the state of Massachusetts. I have tried to engage the state of Massachusetts about the check but it does not appear to have been issued to the state. It does not appear in searches under my parents names. I would like information about what happened to the check.
Consumer complaint received 2024-10-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: GOLDMAN SACHS BANK USA (MN)

I am a victim of identity theft and I have never opened any checking, savings, credit card or loan account with Goldman Sachs due to me being incarcerated from XX/XX/XXXX until XX/XX/XXXX. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (FL)

I am writing to formally dispute the authenticity of the referenced account, which appears to have been fraudulently opened in my name without my consent or authorization. Upon reviewing my credit report, I discovered these accounts, of which I have no knowledge or responsibility, and I suspect it to be the result of identity theft. 

I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( XXXX ), as well as the relevant Consumer Laws and XXXX XXXX laws. In accordance with these laws, I hereby request a comprehensive and expeditious investigation into this matter to validate the legitimacy of this account.