davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consume and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. Experian, reporting late payments on multiple accounts ( list the accounts ) and/ or Utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave XXXX written instructions to report anything to my consumer report, let alone this late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states 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 method undermined the public confidence with is essential to the continues function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to Experian, violated my consumer rights by allowing these late payments/utilization to report to my consumer report!
Consumer complaint received 2024-06-21
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. (MO)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-03-19
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. (NC)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-10-07
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MN)

On XX/XX/2019 I was charged a return payment fee of {$32.00} by Comenity. I contacted the customer service line on XXXX and spoke to a rep for approximately 11 minutes. I advised this rep that I was sure I had the money in the account and it was returned by error. I asked for a courtesy return credit as I have never had one and she stated she contacted her supervisor and that they would credit my account that {$32.00} fee back. I advised that was all I needed, to this date there has been no credit to my account. 

I was lied to by this bank and want the CFPB to take action on my behalf. I want my credit of {$32.00} to be applied.
Consumer complaint received 2024-02-12
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. (AZ)

I am writing to address a matter regarding my account with XXXX XXXX XXXX Recently, I reported to all three credit bureaus that I have been a victim of identity theft. Despite my efforts to rectify this situation and providing the necessary documentation, I have observed that XXXX XXXX XXXX continues to verify the information in question. 

I wish to draw your attention to the responsibilities of furnishers outlined under the Fair Credit Reporting Act ( FCRA ), particularly sections FCRA 623 ( a ) ( 6 ) ( B ) and FCRA 605B. According to these provisions, when notified by a credit reporting agency ( CRA ) that a consumer 's identity has been stolen, furnishers such as XXXX XXXXXXXX have specific duties : Preventing Re-Reporting of Information : If a CRA notifies you that information furnished by XXXX XXXX XXXX  is being blocked on a consumer 's credit report due to identity theft, XXXX XXXX XXXX must have procedures in place to prevent the re-reporting of such information ( FCRA 623 ( a ) ( 6 ) ( A ) ).

Restriction on Debt Resulting from Identity Theft : XXXX XXXX XXXX may not sell, transfer, or place for collection any debt resulting from identity theft if notified by a CRA ( FCRA 615 ( f ) ( 1 ) ). 

Furnishing Information Regarding Fraudulent Accounts : Upon receiving notification from a consumer who is a victim of identity theft and providing an identity theft report, XXXX XXXX XXXX may not furnish information to a CRA regarding the fraudulent account or debt ( FCRA 6XXXX ( a ) ( XXXX ) ( B ) ). 

XXXXrompt Notification of Inaccurate Information : If XXXX XXXXXXXX XXXX l finds that it furnished inaccurate information due to identity theft, it must promptly notify each CRA of the correct information and ensure that only complete and accurate information is reported in the future ( FCRA 623 ( a ) ( 2 ) ). 

Obligation to Supply Records : If XXXX XXXX XXXX l provides credit, goods, or services to consumers, it may be required to supply application or other transaction records to an identity theft victim or law enforcement officer upon request ( FCRA 605B ( f ), 615 ( g ) ). 

I trust that XXXX XXXX XXXX will adhere to these obligations under the FCRA and take the necessary steps to rectify the situation promptly. Please cease the verification of the disputed information and ensure that it is blocked from further reporting. 

I appreciate your attention to this matter and anticipate a swift resolution..
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

Equifax XXXX XXXX is reporting inaccurate accounts on my commercial lending report. A derogatory account reporting from XXXX XXXX is paid in full and in good standing. I have furnished Equifax XXXX XXXX with documentation directly from the creditor to verify the account isn't past due or negative, however, the information still has not been updated on my account. This error is causing me to be declined for receiving lending from other creditors.
Consumer complaint received 2024-06-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLIANT CREDIT UNION (IL)

I was I was informed on XX/XX/XXXX that I was listed as the Beneficiary for a bank account after my uncles passing on XX/XX/XXXX. I submitted the required documents to finalize the account, and also requested all of the account statements from time of death through current day. In doing so, I discovered not only was money moved around from the Savings account to the checking account. But {$25000.00} was transferred out of the savings account over multiple transactions. {$25000.00} was transferred to one account with a different bank, while {$400.00} was transferred to another. There was also {$8400.00} transferred out of the Checking account ( not including the {$870.00} transaction to XXXX XXXX XXXX. {$7400.00} was transferred to the same account that the {$25000.00} was. And {$1000.00} was transferred to the same account as the {$400.00} account. I called the Bank asking questions about the transactions on XX/XX/XXXX. They informed me they would look into it with their special services branch.
Consumer complaint received 2024-08-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (MN)

My checking account ending in XXXX has not been closed. Although they have stated to me that it has. Additionally they have authorized a charge by my electric company even though I did not authorize the payment. The account was supposed to be closed due to fraud and id theft. Someone is authorized by phone a payment to that account. It was not me!!! XXXXXXXX XXXX  did this once before. One of US Banks executive team hold a seat on the board of XXXX. How is this happening. Why are they allowing charges on an account that should be closed. Who is calling XXXX to authorize payments?
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (CA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX, jpmcb name : # XXXX XXXX XXXX  has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> 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 2024-08-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shepherd Outsourcing, LLC (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XX/XX/2024 SHEPHERD OUTSOURCING XX/XX/XXXXRequest for Proof of Contract and Debt Validation Account Number : XXXX Reference XXXX Dear Shepherd Outsourcing, I am writing in response to your recent communication regarding the above-referenced account. I formally dispute the validity of this alleged debt and request that you provide me with concrete evidence that I owe this debt to your agency. You sent me a copy of the payment history with a different company name. You did not provide any of the documents that I requested. 

Pursuant to 15 U.S.C. 1681i ( a ) ( 7 ), I am entitled to request and receive evidence of the existence of any agreement or contract between your agency and myself. Therefore, I demand that you provide me with the following : A copy of the contract or purchase agreement with your company XXXX XXXX. Please provide a legally binding contract or purchase agreement that I signed, demonstrating my obligation to pay your agency. Not a payment history with previous Company. 

XXXX. Proof that I owe this debt to your agency : Documentation that clearly shows that I owe this debt specifically to your agency. 

XXXX. Proof of your legal standing : Documentation that proves your agency 's legal authority to collect this debt, including any assignment or sale of the debt from Your Company Shepherd Outsourcing. 

I want to make it clear that payment history or an itemized statement of the account is irrelevant to this request. I am not asking for a summary of the account ; I am asking for the actual contract that binds me to this debt, and evidence that you have the right to collect this debt from me. 

If you can not provide the requested documentation, I will consider this debt invalid. Furthermore, you must cease all collection activities, including reporting this debt to credit bureaus, until this matter is resolved and you have furnished the requested documentation. 

This letter does not constitute an acknowledgment or acceptance of any debt, and should not be construed as such. If you are unable to provide the necessary documentation, I expect you to remove any references to this debt from my credit report and cease any further collection efforts. 

Please respond within 30 days of receiving this letter. Failure to do so may result in legal action to protect my rights. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-03
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (PA)

The response received on XX/XX/XXXX indicated that Macy 's would be billing me XXXX for the amount they sent a check to me in error due to a mistake they made. The statement balance is still showing as XXXX which includes fees they charged me due to the mistakes they made. I am sending a check for XXXX to Macy 's. They have no right in charging me late fees due to errors they made during the investigation which included telling me to hold onto merchandise that came to my house and make incorrect credits to my account sending me a check in error, hitting my credit report in error multiple times. Billing doesn't even explain any charges. It is Deceptive. From the day the fraud started on and I reported it to Macy 's they failed terribly. This is not right at all how this has been handled and the time and pain it has caused me. MOST OF ALL I NEED MY CREDIT REPORT corrected you are preventing me from even trying to apply for a car loan as I do not want to get hosed the rate. Your errors and mistakes are impacting my credit! 

Reference : XXXX and XXXX PS. I have had an account with Macy 's since XXXX, a loyal customer and shopper. You have ruined that. Honestly I can't image what you have done to other customers who are not aware of the resources such as the CFPB.
Consumer complaint received 2024-05-08
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. (OH)

I am submitting this notification to persist in requesting an investigation into unauthorized inquiries listed on my credit report. I request that the three Credit Bureaus undertake a comprehensive review of these inquiries as legally required. Below are the inquiries in question that necessitate a detailed investigation : XXXX XXXX XXXX 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 2023-12-11
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: EQUIFAX, INC. (FL)

I need these accounts with incorrect information that are not mine to be deleted XXXX XXXX XXXXXXXX {$1100.00} XXXX XXXX XXXXXXXX {$100.00}
Consumer complaint received 2024-08-07
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Palmar, Inc. (MI)

My ex husband was the primary XXXX XXXX XXXX account holder/account manager and person of contact ( and I was the primary social security number on the account ). Around XXXX of XXXX, During a separation we were transferring to different cellphone service provider. We went into the XXXX store and he paid cash to the small balance of aprox {$300.00}. 
A collection hit my account approximately a year later. This debt collection has lingered on my credit for over 3 years. I tried to fight it but it was difficult because at some point during all of this, XXXX went out of business and receipts couldn't be found. I decided to cut my losses. 

However, recently, in XXXX of XXXX, I got a new notification on my credit app on my phone that I had a NEW collections claim and my credit was impacted by over XXXX points! " Jefferson '' collection agency? I did not recognize the name of the collection agency, I was never contacted by a debt collector at any point in time via phone, email or mail. My ex husband never notified me of any contact if he was/is aware of any. After researching, This " NEW '' debt collection was from the previous debt collection claim with XXXX from year XXXX. 


I have made MULTIPLE attempts to contact this recent ( and false " new '' ) debt collector from XX/XX/XXXX and have not gotten an email or phone call in return. 

**My credit was severely impacted at two separate occasions, years apart from each other, for the same debt, over the course of approximately 4 years, that had been paid off years prior. 
This has severely impacted my credit score.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

" The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) 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 XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Consumer complaint received 2024-06-21
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. (WI)

PLEASE BLOCKED AND REMOVED. 
I earnestly request the removal of this entry from my credit report as it is not mine and appears to be fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about its impact on my creditworthiness. I implore you to conduct a thorough investigation and promptly rectify this error by removing this inaccurate information from my credit profile.
Consumer complaint received 2024-08-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: U.S. BANCORP (MN)

I have continually asked for a monthly mortgage disclosure prior to the the payment being due. You know like a statement. I have received one so far. Additionally I have no idea where the PMI is going. Seeing is the PMI has gone up every year yet insurance has stayed about the same and my taxes have gone down, id like to keep a closer eye on escrow. I absolutely need a monthly billing statement. As I have screenshots of multiple different loan balances, months and dates the loan originated, as well as escrow payments made. Its rather confusing. I recently looked into the credit beaures and they also have inaccurate information being provided. As of today I had a friend take a look and there are actually 3 mortgages out on my home. I am aware of 2 seeing that the down payment assistance is concsidered a secondary mortgage. I am not sure if this is a lender issue or a title issue. Either ways having fair treatment and accurate information would be great. I mean it wasnt so long ago someone elses information and loan were in my portle. Can you please assist me in getting US bank to deliver a paper document to my home monthly so I have a clear understanding of what I am paying for and what Im not.
Consumer complaint received 2024-08-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (FL)

I spoke with representative from Discover Credit card section, I explained I was having financial difficulty and wanted to enter into a forbearance plan or something similar I was told that if I could make payments that Discover would wave any late fees and bring my account up to date. I made deposits via XXXX XXXX XXXX, the more payments I made the further my account went backwards, I would make a payment and my balance would increase, Discover shows my balance as XXXX? Yet they claim I owe them over XXXX my line of credit was XXXX yet they now show it as XXXX? 
They depleted my account at XXXX charging me excessive fees while doing so
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Professional Debt Mediation, Inc. (FL)

said that is pure out On XX/XX/XXXX and is returned to me that there are no longer in business But this business problem for a while they have not did a proper investigation and I would like this remove I put an opt letter to them and they did not or not in business anymore to receive the letter I would like this to remove immediately
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

I am filing a formal complaint against XXXX XXXX XXXX  regarding a collection account that has been incorrectly reported on my credit report. Despite my efforts to resolve this issue directly with XXXX XXXX XXXX and the credit bureaus, the collection account remains on my credit report, causing significant harm to my creditworthiness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX