davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (NY)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00} XXXX XXXX Balance : {$520.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Discharged Date Filed/Reported : XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I urgently request the removal of this erroneous late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue stress and concern. I ask that you promptly rectify this mistake by updating my account.
Consumer complaint received 2024-05-09
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. (SC)

I have disputed with the XXXX major credit reporting agencies over the past several years about inaccurate information that they are reporting but to no avail have I received the chosen resolution. 
According to FRCA section XXXX it is illegal to report information on my credit report without my permission please remove this off of my credit report thank you.. 
These companies either doesn't care about the information they are reporting or they are more concerned with the financial gain they get from creditors paying them to report these inaccuracies..
Consumer complaint received 2024-08-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: STELLAR BANCORP INC. (TX)

Stellar Bank bought out XXXX XXXX  who provided a line of credit to XXXX XXXX XXXX XXXX XXXX which is a fraudster corporation being sued by 20 people in Texas for tax fraud, wire fraud, investor fraud and many other charges. Stellar Bank is involved in the fraud because they knew the credit score of the debtors XXXX XXXX and XXXX XXXX XXXX were too low to issue a line of credit so they had another investor ( XXXX XXXX ) use his credit score to get a line of credit for {$750000.00} for XXXX XXXX XXXX which is currently in bankruptcy proceedings and the investors are left in the cold without access to the information to prove the fraudulent bankruptcy that allowed the bank to take 2nd lien holder position after XXXX XXXX out of XXXX XXXX, Florida who provided a {$1.00} XXXX line of credit to XXXX XXXX XXXX and they were defrauded out of their loan taking the XXXX XXXX commercial property and 1st lienholder position of the building away from Stellar Bank because XXXX XXXX was aware of the fraudulent lending practices that they engaged in to give the line of credit to XXXX XXXX XXXX for the building. He took the money from the building and allowed it to go into bankruptcy along with his partners XXXX XXXX and XXXX XXXX. They have left investors without millions and he fled to Florida with money committing tax fraud, wire fraud, investor fraud and many other crimes. XXXX XXXX committed tax fraud, money laundering and all the same crimes by embezzling the investor funds into a XXXX XXXX XXXX XXXX cash for XXXX XXXX and buying a dive shop for cash without a job. She admitted under deposition taking money from the corporations she partnered with her father and she receives all her money from her father. The Stellar Bank has engaged in the fraud and they have directly denied myself collecting on a summary judgment by engaging in these crimes and taking 2nd lien holder position to a Florida bank that took possession of the building in the bankruptcy. Stellar Bank has seriously damaged my family financially because of their refusal to participate in assisting the victims of this Ponzi scheme. The bank has allowed the line of credit to go directly to the fraudsters bank account and not to the XXXX building as designated. Please help me get the Stellar Bank to be accountable to me and the other victims for the millions they owe for this fraudulent lending practice. I have the documents to show they engaged in this illegal activity.
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within XXXX 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 information relating to any transaction by the consumer. 
XXXX XXXX Balance Owed : XXXX XXXX XXXXXXXX Balance Owed : {$690.00} XXXX ** Balance Owed : {$3600.00} XXXX XXXX Balance Owed : {$160.00} XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-09-01
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: OneMain Finance Corporation (MI)

I obtained a XXXX XXXX XXXX in XXXX with One Main being the finance company. I voluntarily surrendered it on XX/XX/XXXX. I have had this car for 5 years and still owed a {$18000.00} balance on it. Since the year of XXXX and before I have tried refinancing it, rolling it over into a new car or newer vehicle- through One Main Financial because with the maintenance and monthly payment. I was not able to keep afloat. One Main consistently informed me that there were no other options for me ;. So in XX/XX/XXXX, I stopped asking them and I surrendered it on XX/XX/XXXX.
Consumer complaint received 2024-06-07
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. (VA)

THIS IS A NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.

I have been trying to resolve this matter for some time with your agency, and the corporations and debt collectors you allowed to fraudulently place inaccurate items on my credit report without permissible purpose, along with violating many other rights I am able to enforce as a natural person. Moreover, you continued to report items that are not 100 % accurate ( the most important job as a credit reporting agency ) as well as without my permission. I have had to forcefully study to find out the numerous ways that I have been violated, but my perspicacity and indefatigability assisted me to this very moment.
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)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified XXXX XXXX XXXX  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. (SC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$3600.00XXXX XXXX XXXX XXXX  XXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX : {$17000.00} XXXX XXXX Balance : {$5300.00} XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$2300.00} XXXX XXXXXXXX XXXX Balance : {$34000.00} XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX Balance : {$830.00} XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXXXXXX Balance : {$30000.00} XXXX XXXX XXXXXXXX Balance : {$23000.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX Balance : {$9000.00} XXXX XXXX XXXX XXXX : {$9700.00} XXXX XXXX Balance : {$4200.00}
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NJ)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX XXXX - XXXX XXXX  - XXXX
Consumer complaint received 2020-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX # XXXX is reporting an account with a balance to my credit report that I do not owe. This account has been paid off and should not be reporting a balance, this is in violation and needs to be removed.
Consumer complaint received 2024-08-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UMB FINANCIAL CORPORATION (AZ)

On XX/XX/year> I discovered a fraudulent charge to our checking account with UMB Bank in XXXX XXXX XXXX. This charge was paid to XXXXXXXX XXXX XXXX XXXX Type : Debit - Check XXXX XXXX : XXXX We have no knowledge of this charge, we did not initiate it and we do not do any business with XXXX XXXX  XXXX. 
That day I emailed the bank manager to file a fraud report. I didn't receive a response, so the next day, XX/XX/year> I went to the bank, again to attempt to file a fraud report. Again the bank manager was unavailable and I spoke to one of the clerks. I explained the issue, he called " the fraud '' department and was told that there is NOTHING UMB can do about this charge because I did not report it within 24hours! I have never heard such a thing. When I questioned this, he told me that he was just telling me what he was told and that if I didn't like it ... ... ..well, he didn't know what to tell me ( his words ). Then he told me that I should reach out to the company that supposedly received the funds. Why would that be my responsibility? 
In the meantime, I tried calling UMB Fraud Department on my own since it appear that the branch was unable and unwilling to do their job. The first number I called ( I got the phone number from the branch office ) told me they couldn't help me unless I could give them the debit card number. There is NO debit card issued on this account. I was then transferred to several other departments, and absolutely no one could help me. I can't believe a bank doesn't have a FRAUD DEPARTMENT. The bank manager has not responded to my emails and we have had no communication from anyone at the branch. They are completely unwilling to help recover our loss.
Consumer complaint received 2024-08-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CHECKredi of Kentucky, LLC (OH)

I received an email with a phone number to pay {$23.00} for a purchase of gasoline, there was only an automated payment system that required payment in full, {$53.00}, which I paid presuming it included another purchase of gasoline made a couple days later. A few hours later, I received an invoice, not a receipt, showing that CheckRedi had applied {$30.00} in fees over the course of XXXX days. These fees were not disclosed and the company has refused to refund the money. I have attempted to resolve this issue to no avail and received a condescending lecture from their representative as to how I was in the wrong for using their automated system instead of speaking to a representative. This is an unfair trade practice and constitutes usurious rates.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

My report is reflecting several negative accounts, including debt accounts as well as charged-off accounts. These accounts reflect, through an IRS tax transcript, being discharged with a 1099-C and are considered a certificate of indebtedness, which is considered income. Income can not be reported on my credit file, per the FCRA. The accounts in question are as follows :. ( XXXX XXXX XXXX acct # XXXX ) ( XXXXXXXX XXXX XXXX acct # XXXX ) ( XXXX XXXX XXXX XXXX acct # XXXX ) ( XXXXXXXX XXXX XXXX acct XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX acct XXXX XXXX XXXX
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MA)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. ''
Consumer complaint received 2024-07-26
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: EQUIFAX, INC. (NJ)

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 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Looking at my consumer report on XX/XX/XXXX I saw some instances of late payments on that account. For which am certain to maintain on time payment every month. The consumer reporting agency have a crucial and vital role according to the law to report consumers information with maximum accuracy and it is imperative that consumers information be reported accurately. I have never Been late that account and I have included screenshots inside this complaint on date XX/XX/XXXX and XX/XX/XXXX XXXX XXXX. I am asking for a proper investigation and provides proof with statements showing that these payments were late. If they are not able to show and provide such proof i demand that this account be promptly updated to reflect the true status of on time or paid as agree do to the fact that I was never late. 

XXXX XXXX
Consumer complaint received 2024-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (NC)

Re : XXXX, account ending XXXX I opened an online checking account with Citibank. 
Citbank froze my account to all access after I tried to purchase a money order at XXXX in XXXX, XXXX for $ XXXX XXXX weeks ago. I do not recall the precise date, as I am unable to do anything with my account. I did present my state id, and phone at XXXX which matches my account. 
I talked to XXXX agents after the account was locked, and they refused to unlock it. 
I provided my secret word, and gave my debit card information which was in my possession. They claimed my phone would not accept short code texts with a secret code. My phone network, phone, and programming were checked by senior tier XXXX technicians, and it was determined it was working fine I was told they would send a letter with a secret code. 
After nearly XXXX weeks, a XXXX from Citibank called me on XX/XX/XXXX,, and informed me that no letter was sent, but she would do it. 
I received the letter, and after giving the code to XXXX agents in the past week, they refuse to call me back, or unlock my account, after hours on the phone. 
The XXXX agents were quite rude, and acted in cadence, as I were a criminal.
Consumer complaint received 2024-08-05
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. (NJ)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 2023-07-04
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (VA)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and XXXX have got into the hands of the wrong person.
Consumer complaint received 2024-08-17
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (MI)

I transferred a balance with Discover card services in XXXX XXXX with no interest for 18 months. I have been making all monthly payments on time. I have now received a statement with an interest charge although I paid the total balance due prior to the statement due date. When contacted Discover credit card services is informing me that the interest is applied on the expiration date of the promotional APR and it not necessarily aligned with the statement due date.

Please review the practice of having two different dates for expiration of promotional APR and statement closing date with Discover card services and bring those dates in alignment to avoid confusion to the customer and subsequently fees/interest charges. 

Further to this, Discover also needs to have an efficient hand off process for the customer. I called on XX/XX/year> and spoke with a XXXX, at Discover and asked to be transferred to a supervisor, I was transferred to another representative XXXX, who did not have any clue about what was going on with the account. XXXX then transferred me to a supervisor XXXX who also did not know what my request was. XXXX also mentioned that he will have to request corporate office to review the call recording and this could take up to a day. No proper notes were made on my account by the representative XXXX. Please note that I had to spend close to XXXX minutes on this call due to poor hand off and customer service. 

Please contact Discover to provide their response, please submit this complaint to any other relevant regulatory agencies. 

Please do not hesitate to contact me if I can be of any further assistance in this regard. 

Thank you. 

XXXX XXXX.