davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (CA)

XXXX XXXX XXXX put a collection - XX/XX/2019 Amount {$1400.00} I do not owe this debt nor know what it is. I called XXXX and they said they bought it from another collection agency whom I and removed the collection because the account was not mine. 

Many collection agencies once they lose remove bureaus will sell to a new collection agency even if trying to collect unlawfully. The new agency then puts a collection on consumer regardless what result was. They pass it on to eachother. 

This happened to me once on a XXXX XXXX {$100.00} collection that was my family members. It started w/XXXX then 3 diff collection agencies took it over even after I wont the dispute
Consumer complaint received 2023-10-26
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (TX)

On XX/XX/2023, I was charged {$210.00} for a " Best Buy Renewal ''. I was unaware of this charge to my credit card account until XXXX when I received a call from Citibank, who administers Best Buy credit cards, informing me that my account was " past-due ''. I was surprised by this as I had not made any purchases using my Best Buy credit card. I was advised by the Citibank representative that they could not resolve any issues with the charges and that I must contact the " XXXX XXXX '' as they had initiated the charges. 

On XX/XX/XXXX I contacted the XXXX XXXX, which is a technical service department of Best Buy, and was told that the charges were for the renewal of a " service plan ''. I advised them that I had not initiated any request for a service plan and declined the " purchase ''. The told me that, because I had contacted them more than 30 days past the " purchase '' that they could only offer me a prorated refund of {$170.00} and a refund of some late charges that had accrued. I requested that all charges be removed from my account and any " past due '' notices sent to the credit bureau be corrected. They advised me that only Citibank could make those changes. 

I determined that the notifications associated with this " purchase '' and " past-due '' notices were sent to an obsolete email address, so I never received them. I have been unable to resolve this matter with Best Buy, Citibank or the XXXX XXXX as each entity says I must talk to the other.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.
Consumer complaint received 2017-12-28
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NV)

I have made serveral attempts to resolve my issue with XXXX XXXX XXXX in regards to validate the account, not the balance. I havent received know payment history or any verfication that the account is accurate and/or beloning to me. I 'm willing to assume ownership only if they provide me with sufficient evidence that this account was truly mine and proof of the payment history verifyng the amount owed is correct. I 'm concerned that this account may not belong to me, and/or the reporting to XXXX, Experian and XXXX may be inaccurate. In complaince with FCRA 623 ( a ) ( 8 ) ( D ) and acting regulations published at 74 Fed Reg 31484 ( july 1, 2009 ), this notice includes. Basis of disputed : On Experian acct # XXXX shows no payment history, only charge-off history.Open date XX/XX/XXXX, last updated XX/XX/XXXX, charged-off XXXX with last payment dated XX/XX/XXXX. XXXX shows last payment dated XX/XX/XXXX and a close date of XX/XX/XXXX with no payment history. XXXX shows only the only a open date XX/XX/XXXX with no payment history only a charge-off history. My question is how are the bureaus completing an investigations without updating the account with payment history, only a stating that it 's valid.
Consumer complaint received 2023-05-17
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: Experian Information Solutions Inc. (GA)

I appreciate your quick action and effectiveness in updating the negative accounts that were previously listed on my credit report. For now, I believe there are still issues with my file that need to be corrected. I thus ask that all of the false information attached and listed in my credit file be corrected right now. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-22
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The EXPERIAN credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$950.00}
Consumer complaint received 2023-10-26
Product: Credit card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO. (CA)

In XX/XX/2023, my family and I travelled to XXXX and decided to use our Chase credit card for purchases as protection against fraud. My husband used the card to purchase an item from a small market vendor that cost XXXX XXXX XXXX ( approx. {$220.00} USD ). The merchant charged our account {$3500.00} USD! This is INCORRECT and I believe deliberate. We did not see the fraudulent charge until we returned home to the US several days later. Friends that we were travelling with also had a similar incident happen to them at the same marketplace. We also had a local tour guide on another excursion warn us that this is a common scam that merchants are doing to tourists in XXXX. 

There is no question that this transaction is NOT ACCURATE! I have made 4 phone calls to Chase and two letters explaining the situation and the company continues to tell me that their investigation concludes that the {$3500.00} USD charge stands.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-05-14
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. (GA)

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 ( 2 ) 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 2024-05-14
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)

There are inaccuracies in my credit report, which is unjust for me. I ask that you investigate this matter and resolve it. I am really upset and annoyed with these issues. If there are no updates on my inquiries, I will proceed with legal action.
Consumer complaint received 2024-05-14
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (CA)

This a judgment that I didnt even know about until it was on my credit reports. I have disputed the transaction with all XXXX major credit bureaus and the have refused to remove the judgment from credit file. I also wrote the attorney and they never responded to my letter and have not removed the judgment from credit file
Consumer complaint received 2024-05-14
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. (CA)

Gave me a phone number " Fraud '' department that never allows a live XXXX contact or any other way to change their incorrect information and also will not send a hard copy of credit report but sent it to att email which is not secure!
Consumer complaint received 2024-05-14
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. (GA)

I am a victim of fraud and mistaken identity. there are things on my file that are not mine and according to the FCRA 605B ( 15USC 1681c-2 ), the law has been broken and my rights violated. Experian has 4 business to remove all items from my file according to the law!
Consumer complaint received 2024-06-22
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: Experian Information Solutions Inc. (SC)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

For the past three months, I have taken the initiative to escalate my issue by creating two separate accounts with the Consumer Financial Protection Bureau ( CFPB ) and submitting identical complaints to the same company in the hopes of expediting the resolution process. The crux of the matter revolves around an erroneous late payment notation on my XXXX XXXX account, which I firmly believe is inaccurate. Despite my efforts, which included providing numerous supporting documents to both the data furnisher and the creditor to demonstrate that I made payments on time, the issue remains unresolved. I am diligently seeking a resolution to this problem and sincerely hope that this current complaint will be the final one I need to submit in order to rectify the situation and clear my record of any inaccuracies.
Consumer complaint received 2024-05-14
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. (LA)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I have had a savings account with XXXX XXXX XXXX XXXX in XXXX, Georgia since XXXX. In addition, I was issued a Visa Credit card by XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I wrote a detailed complaint to XXXX XXXX, XXXX of XXXX XXXX XXXX XXXX detailing several federal banking and credit reporting complaints committed by several XXXX XXXX XXXX XXXX employees. XXXX XXXX contacted me by phone on XX/XX/XXXX, to discuss the issues. On and about XX/XX/XXXX, XXXX XXXX called me to apologize and admit that several errors, mistakes, and mishandling of my account had been committed. XXXX XXXX stated that my credit report from Experian ( the bureau ) used by XXXX XXXX XXXX XXXX did not contain negative or derogatory information. In fact, XXXX XXXX stated that during the years XXXX, and XXXX XXXX XXXX employees reported all XXXX credit payments correctly. Furthermore, XXXX XXXX stated that my credit file and score during the time that employees drafted monthly payments to pay XXXX XXXX XXXX XXXX loans and my VISA credit card issued by XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I was informed that my VISA credit card issued by XXXX XXXX XXXX XXXX was not re-issued due to my past " history '' of delinquent payments. I questioned the XXXX XXXX credit XXXX on XX/XX/XXXX, and was told that the decision was determined by the branch XXXX and XXXX XXXX XXXX. Upon review of my credit report from Experian, I noticed that the incorrect delinquent payments reported by XXXX XXXX XXXX XXXX had not been corrected to reflect on-time payments. My credit payments have been on time since XXXX. The derogatory information has had negative effects on my life, and the life of my family. The XXXX XXXX has also drafted on consistent basis funds from my checking account more than XXXX weeks before payment is required without my legal consent. Finally, I was charged late fees for more than 2 years for being delinquent and payment was drafted monthly more than XXXX days prior to payment. Recently, I applied for loans and was denied due to my " history '' which has been discredited and incorrectly reported by XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-05-14
Product: Credit card — General-purpose credit card or charge card
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. (IL)

My payments are always made on time ; I'm absolutely sure of this. However, I'm unsure why this company is reporting me as late for certain months, which is incorrect. According to USC 1666b, any billing errors should be rectified, or they'll be liable to pay me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2024-05-15
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. (MA)

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX. 
XXXX XXXX XXXX XXXX 
I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2019-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have been disputing these accounts with XXXX, Equifax and XXXX they keep coming back with updated and verified I have sent XXXX XXXX several validation letters and they have not sent me anything in the mail. I have also reported to the FTC to see if I may obtain more help. The credit bureaus say it was updated and the update has not changed its like they are not investigating. I have XXXXXXXX XXXX and XXXX XXXX XXXX that sold the accounts to XXXX XXXX.
Consumer complaint received 2024-06-22
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. (CA)

I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$43000.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-05-15
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)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023
Consumer complaint received 2024-05-14
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. (NC)

I am deeply concerned about the inaccuracy of my credit report, which is unjustly harming me. I request that you thoroughly investigate this matter and make the necessary urgent corrections. If there are no updates, I will be forced to take legal action.
Consumer complaint received 2019-04-22
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (OH)

On XX/XX/2019 I went into XXXX XXXX to make a XXXX XXXX card for {$460.00} the bank teller gave me a receipt saying the transaction failed I then went outside to use the atm and it wasn't taking my card either.I went back inside the bank and ask them what happened to my money I called XXXX XXXX the next day after it was posted cash pending for {$460.00} then the next day they said the money was taken off my card. I went back into the bank the following day and spoke with the manager XXXX XXXX. I called XXXX XXXX  and put them on speaker. Both are claiming one or the other has the money. I never received any money from the bank camera 's don't lie. I have faxed XXXX XXXX all the documents that I have concerning this matter.Please help me with this thank you
Consumer complaint received 2020-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXX XXXX  XXXX is showing I owe {$440.00} on my credit reports. I have been out of the country doing missionary work.I have never lived where the items were delivered. I never ordered or open a XXXX account. I was compromised by the Equifax breach this may have been a cause of Equifax. Please remove this from my credit reports. I need a signature showing this account is mine and then I can find out who open this account in my name.
Consumer complaint received 2019-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

this creditor has been posting my payments XXXX XXXX but i religiously paid on time. i have the receipts to prove this. They even report this account twice, which is unfair..Please take off XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my credit report.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-06-22
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)

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.