davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-25
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: CITIBANK, N.A. (MN)

These accounts and inquiries are not mine they was made without my permission, consent, inquires MACYSCITIBANK N.A Inquiry : XX/XX/XXXX, XXXX or All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 XXXX which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My account with XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> 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 2024-05-07
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CO)

I contacted the credit bureaus and informed each company the account was closed with a XXXX balance. After the investigation, the credit bureaus reported the account is open with a balance. That information is incorrect.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

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 XXXX Account Name : XXXX Account XXXX has violated my rights. Or a 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 2024-08-19
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. (FL)

Despite numerous efforts, I have been unsuccessful in resolving the issue of fraudulent inquiries on my consumer report. These inquiries are entirely unrelated to me, and I bear no responsibility for them. Their presence has resulted in considerable mental anguish and financial hardship. As an identity theft victim, I am left with no choice but to consider legal recourse if this matter is not adequately addressed. These inaccurate and fraudulent entries have impeded my ability to purchase my desired home and provide for my family 's needs. The impact on my financial stability has been profound. For your reference, I have enclosed a copy of my previous correspondence to the Federal Trade Commission ( FTC ), which details this issue and requests resolution.
Consumer complaint received 2024-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Fidelity National Information Services, Inc. (FNIS) (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ChexSystems, Inc. 
Attn : Consumer Relations Date XX/XX/XXXX RE : Consumer ID # XXXX Dear Collections and Consumer Relations Dept. : I was recently informed of negative information in the file ChexSystems maintains under my Social Security number. Upon ordering a copy of the report, I am unaware of this. Please validate this information and provide me with copies of any documentation associated with this item bearing my signature. In the absence of any such documentation, I ask that this information be immediately deleted from the record you maintain under my Social Security number and provide an updated report. 

Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you may be liable for your willful non-compliance.

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I haven't missed any payments, and I urgently need your assistance in resolving this matter.
Consumer complaint received 2024-05-07
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. (PA)

Pursuant to section XXXX of the Fair Credit Reporting Act ( FCRA ), this company MUST remove this item of information from ALL consumer reporting agencies if the furnisher of information has reasonable cause to believe that the information is inaccurate or if the disputed information is found to be inaccurate, incomplete, or unverifiable. I have been going back and forth with this company and they claim to comply with the FCRA ( see yellow highlighted paragraph in exhibit A ) however, even with undeniable proof ( exhibit B ) they are still willfully violating the FCRA by keeping the item of information on a consumer report ( exhibit C ). Section 623 ( b ) ( D ) and subparagraph ( E ) ( ii ) states that a data furnisher must report those results to all other consumer reporting agencies to which the person furnished the information. XXXX XXXX did NOT do that and please keep in mind that Consumer Reporting Agencies promptly notify the furnisher of the information that the information has been modified or deleted from the file of the consumer as stated in 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) ( ii ) I demand that XXXX XXXX deletes this item of information on ALL consumer reports and compensate me for these damages. Please see attached documents that support my claim.
Consumer complaint received 2023-08-29
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. (NY)

My Social Security Number ( SSN ) was involved in a data breach that occurred on or before XXXX of XXXX, extending until XXXX. This breach affected individuals who underwent background checks and applied for jobs, leading to the appearance of numbers on my record. 
I did not provide consent for these accounts to be opened, and I lacked an understanding of credit and its mechanisms during that time. Consequently, I did not establish any credit relationships with the companies involved. I urgently request the removal of these erroneous entries from my credit report once and for all. 
The repercussions of these inaccuracies have been far-reaching and abnormal. Unfamiliar inquiries have appeared, accounts that I neither authorized nor opened have been added, and I've faced denials and disrespect due to these discrepancies. The errors in my credit report are extensive and profoundly incorrect. They encompass several aspects, including but not limited to : * Name Discrepancies : I want to clarify that my correct name is " XXXX XXXX XXXX XXXX '' I have never used nor consented to be referred to as " XXXXXXXX XXXX XXXXXXXX '' or any other variations. This is the only accurate name associated with me. 
* Address Accuracy : My precise address is " XXXX XXXX XXXX XXXX XXXX, XXXX, New York XXXX. '' It must be consistently displayed as such, including the apartment number. I do not authorize any other variations of this address to be linked to me. 
* Invalid Addresses : The following addresses on my credit report are invalid and inaccurate, not associated with me : * " XXXX XXXX AV, XXXX, NY XXXX '' * " XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AL XXXX '' * " XXXX XXXX XXXX, XXXX XXXX, NY XXXX '' Moving forward, I wish to address specific discrepancies related to certain accounts : * * XXXX  XXXX : Contact : ( XXXX ) XXXX ; Address : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX ; Account # XXXX ; Opened : XX/XX/XXXX ; Owed : {$1400.00}. I did not provide consent or a written signature for this account, nor did I authorize its reporting. All these accounts were opened online. 
* XXXX XXXX  : Contact : XXXX XXXX XXXX, XXXX, DE XXXX ; Account # XXXX ; Opened : XX/XX/XXXX ; Owed : {$4700.00}. Similar to the previous cases, I neither gave consent nor provided a written signature for this account 's reporting. All these accounts were opened online. 
* XXXX  XXXX : Opened : XX/XX/XXXX ; Account # XXXX ; Owed : {$5500.00} ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX. The account by XXXX was deemed fraudulent and removed, yet XXXX XXXX persists in reporting the collection stemming from it. 
* It's worth noting that a breach detailed in an article XXXX XXXX XXXX XXXX ) is responsible for over XXXX XXXX stolen identities, as discussed. 
I implore you to rectify these inaccuracies promptly, as they have severely affected my financial standing and personal integrity. I appreciate your immediate attention to this matter.
Consumer complaint received 2024-05-07
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. (GA)

regarding XXXX XXXX accnt number XXXX. I would like to remove this account off my credit report. This is an old account that was open in or around XX/XX/XXXX and service ended around XX/XX/XXXX and last bill was XXXX. The bill was paid in full, I was in formed it will be taken off my credit report and it's still showing.
Consumer complaint received 2023-05-25
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HYUNDAI CAPITAL AMERICA (MD)

Since XX/XX/2023 I have been receiving multiple harassing calls and when I answer no one is on the other line and the line disconnects. After calling back and speaking with several people to identify why I am receiving these calls I was informed of three different balances that I allegedly owe and to date, no one has identified what amount is the true balance. I was also told I would have to call back to identify where this balance has come from. I also have not received any written documentation regarding this matter and was told several notices were sent out to the incorrect address since XX/XX/2023. I also want to include that my credit has now been impacted with negative and derogatory comments, this is an unfair and deceptive business practice as I have held multiple accounts with Hyundai and have never had this issue.
Consumer complaint received 2024-05-07
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. (NC)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I did not miss any payments, and I urgently require your assistance to address this issue.
Consumer complaint received 2024-08-05
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. (TX)

Although, the XXXX credit reporting agencies, Experian, XXXX and XXXX have removed a {$290.00} XXXX account two times. However, the {$290.00} XXXX account shows up again with a different companies and it is reoccurring on my credit file with all XXXX  companies. Most recently I have found that this account is now with XXXX XXXX XXXX and indicates that it was opened around XX/XX/XXXX, when the errant delinquencies has been removed and reappearing now, XXXX times, since XX/XX/XXXX. Again, these were not services that I received, as I sold and moved to another state in XX/XX/XXXX. XXXX was notified by phone and through my online account that I had sold my home and was moving in XX/XX/XXXX. I did provide tangible information and proof of payment to all XXXX  credit reporting agencies. I am attaching my correspondences in this compliant.
Consumer complaint received 2024-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/year> I noticed that with my checking account with Capital One that there were several transactions that I did not recognize.Because there were multiple transactions I called Capital One immediately and they started a dispute and immediately gave me a credit for all the transactions, when they asked me, had I given anyone my pin number I told them no, but I did tell them that I recently got a new XXXX and I noticed that my debit card and my old XXXX was missing which is where I think whoever made these transactions, got all their information from. On XX/XX/XXXX, I transferred some money into my checking account and when I logged in, I noticed that I had a negative balance of XXXX and some dollars and saw that they had already reversed all the transactions. I never received an explanation of why they did not find the dispute in my favor. I did not make these transactions and I should not be responsible for them. Also, when I asked them, should I make a police report? They told me that it was up to me if I wanted to make a police report or not.
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Many times I've expressed concern about identity theft. Within 4 business days, you must remove/block any items that was opened without my knowledge, consent, or authority by providing ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXXXX/XX/XXXXXXXX Balance Owed : {$12000.00} ; XXXXXX/XX/XXXXXXXX Balance Owed : {$35000.00} ; XX/XX/XXXXXXXX Balance Owed : {$100000.00} ; XXXX XXXX Balance Owed : {$8700.00} ;XX/XX/XXXXXXXX Balance Owed : {$920.00}.
Consumer complaint received 2024-06-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group (MD)

I am writing to formally dispute the validity of the debt purportedly acquired from XXXX XXXX XXXX XXXX by CKS Prime Investments LLC. Upon reviewing the details of this debt, I have identified several violations of federal consumer protection laws by the original creditor, XXXX XXXX XXXX XXXX, including but not limited to : 15 USC 1692g : Failure to provide proper debt validation. 
15 USC 1601 : Failure to comply with the Truth in Lending Act.

15 USC 1681n : Willful noncompliance with the Fair Credit Reporting Act. 

Contrary to the assertions made by XXXX XXXX XXXX XXXX, I am the original creditor, as my signature and Social Security Number granted value to the application. According to consumer protection laws, only the original creditor can validate a debt. As I do not validate this debt, it can not be considered valid. They have sold CKS a debt that doesn't exist. As such, the acquisition of this debt by their company is invalid.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

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 2024-06-29
Product: Prepaid card — Payroll card
Issue: Advertising — Confusing or misleading advertising about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I received a letter from Bank of America XXXX XXXX XXXX  that I had previously owned.Stating in the letter that I am owed {$180.00} in payment that is owed to me.I have been calling since XX/XX/XXXX XXXX I was told that it could take ten to 15 days to receive my check.Called again to why I still haven't received my check called on XX/XX/XXXX XXXX was told once again 10 to 15 days before I receive my check.I was told by the agent if I don't receive my check after the 15 days to call back.I have been calling Bank for America for 3 months. If I owed them any money Bank of America would taken the money out of my account from day one.
Consumer complaint received 2021-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (CA)

I am a Chase deposit customer and have been for quite some time. I keep getting preapproval offers for mortgage, car loan, etc., but I was not ready. My debit card has a XXXX XXXX image and a while back I noticed they had the same for their credit cards, so I applied ( I dont remember the date ). It was declined and I accepted it. I have since opened other credit cards without issue, including with XXXX XXXX XXXX whom I had previously included in my bankruptcy from 2003. I filed BK back in 2003 due to health issues and a car accident, which led me to not be able to meet all my finances. I have since learned to save, have proper insurance, etc. 

As a loyal Chase customer, I decided to apply again for the Chase Freedom XXXX XXXX on XX/XX/XXXX, but I was once again denied. This is through their automated system and it stated that it was due to my bankruptcy. While they provide an FCRA disclosure, I find this practice unfair and deceptive. They send pre-approval offers all the time, yet they decline when I try to apply. Not just that, but this is a BK from almost a decade ago. Others have extended credit to me, such as XXXX, XXXX, XXXX, XXXX, etc., yet Chase is acting like I am not worthy of them doing the same.
Consumer complaint received 2024-05-28
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. (CO)

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.