davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-27
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. (MA)

My account with XXXX XXXX, XXXX XXXX was never late! I have had exceptional payment history with XXXX 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, XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( 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 2024-05-09
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)

In XXXX of XXXX, I pulled my credit report and saw a debt collection that did not belong to me. I wrote to the credit bureaus disputing the collection several times. Specifically, I sent letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In addition, I also sent letters to the collection agency asking them to validate the debt on XX/XX/XXXX, XXXX, and XX/XX/XXXX. This is a collection incurred by my ex-wife. But I have not been able to prove it because up to now neither the bureaus nor the collection agency have either responded, investigated, or removed the collection that does not belong to me. 
I want this collection to be removed from my credit report. immediately.
Consumer complaint received 2024-05-09
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)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX Has violated my rights. 

I looked at my Experian and XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 shall ( i ) 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.

and according to 15 USC 1681s-2 they are suppose to 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 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CT)

I called Equifax to inquire about and potentially dispute ( if needed ) the addition of a new collection This collection is medical in nature ( imaging that took place at a hospital, done for a XXXX XXXX  ). My XXXX XXXX XXXX failed to pay the bill for the imaging ( despite it being in my clinical trial paperwork and signed contract ) and it ended up being in collections. The sum is less than {$500.00} and is definitely medical, and from what I understand, anything with these characteristics should be able to be removed from the credit bureaus. I instead was told by a customer service representative however that even if paid, that will remain on my credit. This is counter to what I have read and understand to be true, which is that this collection should be removed entirely.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MI)

Signed Affidavit. Experian sent a email stating " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request '' In a another complaint filed with the XXXX Experian stated they're going to reinvestigate now i have a few emails stating what i mentioned above. I attached XXXX of the emails for proof. Here is XXXX of the messages i received on the XXXX. We are currently reinvestigating the disputed XXXX XXXX account with which the consumer disagrees. Upon completion of this process, we will provide the results of our reinvestigation directly to the consumer. 

According to the Fair Credit Reporting Act ( FCRA ), a national consumer credit reporting agencys role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source, such as a court or other government office, notifying them of the disputed information and disclosing all relevant information regarding the consumers dispute. In order to help resolve the consumers dispute, Experian will review all relevant documents submitted by the consumer with the dispute and will forward such documents to the furnisher if Experian is unable to resolve the issue based on those documents. Consumers may also contact creditors directly to dispute items reported by the creditor. If the issue is not resolved, then the consumer credit reporting agency must offer to include a consumer statement on the personal credit report. 

Thank you for allowing me to assist you. Please contact our office if you have any questions. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-09
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)

This account was closed on the following date : ( XXXX ). Since then, the account still current. This is an updated in the payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. A am demanding a deletion on the following account : XXXX Account no. : XXXX
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DC)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( XXXX ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2023-02-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC (SC)

I received a notice from my XXXX XXXXXXXX XXXX that I had a collection show up on my credit report and drop my XXXX XXXX XXXX points. Upon investigation of this notice I found out a company Wakefield & Associates ( info below ) had put a collection on my credit report. The supposed creditor is XXXX XXXX XXXXXXXX XXXX XXXX. I never received any billing from XXXX about money owed to them or notices of non payment of a bill. If it was a medical bill my insurance company should have been billed and also unaware of that being billed to my insurance. I have received no information about the supposed debt from Wakefield it just showed up on my credit report. I had no knowledge of the of the billing from either party so how was I suppose to pay the original creditor if I never received a bill or notification of a bill due. 
Company involved. 
XXXX XXXXXXXX XXXX XXXX address unknown believe its in XXXX SC XXXX XXXX Wakefield & Associates XXXX XXXX XXXX XXXX, TN. XXXX XXXX
Consumer complaint received 2024-05-09
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. (TX)

I am writing to address the ongoing issue regarding fraudulent items on my credit report. Despite my previous attempts and providing substantial evidence to support my claim, the fraudulent items persist on my credit report. This continued presence not only undermines my financial credibility but also reflects negatively on the integrity of the credit reporting system. 

I request that you conduct a thorough investigation into these fraudulent items and take immediate action to remove them from my credit report. It is imperative that accurate and fair reporting is upheld to ensure the integrity of the credit reporting system. With this, I am asking for your assistance to remove these fraud items in my credit 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 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
Consumer complaint received 2024-05-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.
Consumer complaint received 2024-02-26
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: P&B Capital Group, LLC (AR)

The account XXXX with original creditor listed as XXXX XXXX was disputed through XXXX and was closed due to meeting FCRA requirements. P & B Capital Group has continued to report this account which resulted in it reopening. The remarks remain the same, it meets FCRA requirements and should be closed and deleted from my report. I have asked for verification of debt owed through email and certified mail and have not received any communication. The inaccuracy was verified through the CRA and this should absolutely be reflected on my report.
Consumer complaint received 2024-02-26
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. (GA)

This item/information identified in the attached document ( XXXX  ) is a result of Severe forms of Trafficking in Persons. I Request for the Blocking of this Adverse Information as defined under section 605C of the Fair Credit Reporting Act ( FCRA ) See Attachment for Required Documentation required by 605C FCRA guidelines.
Consumer complaint received 2024-06-27
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX INQUIRIES : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-16
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP (CA)

My credit card was closed by the bank. They don't have reasonable reason. I always maintain good credit status and I always make payment on time. There is a returned payment that is caused by their XXXX autopay system. I already pay off the statement balance on time but their autopay system still charge my account.
Consumer complaint received 2024-01-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (OR)

I have spent an hour and a half on hold waiting for a representative to inquire about correspondence sent to me by MOHELA, and I am still on hold. It is unacceptable for student loan servicers to have wait times in excess of XXXX minutes, especially considering the amount of money they are making off of students and graduates.
Consumer complaint received 2024-06-28
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. (TX)

I have been a victim of Identity theft since XXXX. I have reached out to XXXX and requested a contract with my signature and they never provided it. This fraudulent account is a result of identity theft. This is causing harm to me as a consumer.
Consumer complaint received 2024-02-17
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

During the COVID-19 pandemic, I applied for Unemployed Insurance Benefits. My claim dates are from XX/XX/XXXX thru XX/XX/XXXX. Approximately {$25000.00} was approved and paid my XXXX to my prepaid debit card issued by Bank of America. I did not receive a card in the mail so I contacted Bank of America to request a replacement card. My request was denied due to my account being locked. I was referred to XXXX to resolve this issue. I attempted to contacted XXXX regarding this however, for several months I was not able to get in contact with anyone. I submitted requests thru " Ask XXXX '' with unclear and delayed responses. After weeks of no resolution, I would contact Bank of America again and would get referred back to XXXX. This continued for almost 1 year when FINALLY, I spoke to a representative at XXXX in XX/XX/XXXX who instructed me to login to my XXXX Online account and follow the prompts to verify my identity. Upon doing so, my claim would reopen and any available benefits that were previously suspended would be paid via check and sent to my address on file. On XX/XX/XXXX my documents were uploaded to the XXXX website and on XX/XX/XXXX and checks were issued on XX/XX/XXXX. In addition to this, XXXX stated they would contact Bank of America thru the proper division that is capable of making the request to unlock my prepaid card since I had a balance of {$25000.00} still remaining on my prepaid debit card. The process would take approximately 3 weeks to complete. I waited the 3 weeks before contacting Bank of America again. Once I did call for an update, Bank of America again referred me back to XXXX to get my card unlocked. It has now been several weeks with no resolution. On XX/XX/XXXX, I contacted XXXX and spoke with a Tier II representative and requested that they remain on the call with me while I contacted Bank of America on a 3-way conference call in efforts to resolve this matter. The representative agreed. Upon reaching Bank of Anerica I was transferred to the fraud department where I was asked to verify identity. The agent wanted to send a code to my mobile phone. I agreed however, was told that she was unable to complete the verification to that mobile number amd she requested another mobile phone to send another code. I gave her another number yet again, she was unable to complete the request. This happened with a email address I provided her as well. The representative then refused to speak with me. The XXXX representative informed her of his position and ID number from the XXXX. He informed her my card should be unlocked as my identity had been verified and several requests have been sent and ignored. Bank of America refused to unlock my card and then terminated the call
Consumer complaint received 2024-01-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Multiple deposits have been made to my checking account from a Merchant with the description of CA DIR ACH. I have tried for well over a year to get the correct information for these deposits that have been made over a span of multiple years ranging amounts from {$100.00} to over {$6000.00} and are deposited sporadically. When we have spoken on the phone with their call center they give us the Merchant information and contact and it is INCORRECT. They said it was California Direct Access Program, XXXX XXXX XXXX and the said it has nothing to do with them. When we go into the office they say it is XXXX and said to complete an outreach form. I did that with no response. I found their number and they said they do not make any deposits to any accounts from their office. BofA just keeps giving us the wrong information and said they have limited information on the Merchant. They have to know their Merchants and how to contact them but will not assist in getting the answers. 

Can you please assist me in getting BofA to give me the detailed information on these deposits that are over {$26000.00} over the years. 

Merchant ID on the report shows XXXX.
Consumer complaint received 2024-05-09
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)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-12-04
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION (FL)

In XXXX, I opened up a credit card ending in # XXXX for the purpose of having NSF coverage for my bb & t/ Truist checking account. The banker did NOT make me aware of a fee of {$450.00} annual fee. Had I been made aware of this fee, I would NEVER have opened this credit card account. In XX/XX/2023 I was charged {$450.00}. I rarely used this card and was receiving XXXXXXXX XXXX  at that time, so I did not see this charge until XXXX. 

Since that time, I have called Truist bank, Truist credit card & Truist rewards debt, multiple times, asking for a refund of this fee as I was NOT aware that I would be charged this amount. I have been to the bank in-person and have made additional calls still trying to get this refunded. 

As of XXXX, I lodged a complaint with Truist -- they refused to provide me a copy of the complaint - I was given a complaint # XX/XX/2023 XXXX with compliant. 

Since that time, I have been told that this card was " grandfathered-in '' - and its details, rewards, costs and info are NO LONGER on any Truist website.