davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-30
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. (MO)

Experian stole 17 months of on time never late payments to XXXX and refuse to give them back and today alone experian closes 3 complaints without resolving the issue and once again give ridiculous explanation that has absolutely nothing to do with the complaints
Consumer complaint received 2023-12-18
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc. (TX)

Hello -- I received a notice from Pro Collect Incorporated that I had a debt to pay from a former rental unit. I contacted them twice. On first communication I was told that I could no longer dispute the debt. I called again, and paid the debt. I was told that I would receive a receipt of payment no later than XXXX hours after the payment was cleared. I called again this Monday, XX/XX/2023 after not receiving a receipt. The representative said that the payment had cleared, and that I should expect an emailed receipt shortly. My last phone call, the agent was verbally violent, unnecessarily rough, and lied repeatedly about needing more identifying information. To add, I have yet to receive the receipt of payment. This collection agency is overtly unscrupulous and unethical. They should not be allowed to operate outside of the legal confines of debt collecting.
Consumer complaint received 2023-11-15
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)

in accordance with the fair credit reporting act this creditor has violated my rights, under 15usc1681 section 602 states I have the right to privacy 15usc1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15usc1666b a creditor may not treat a payment on a credit card account under open consumer credit plan as late for any purpose
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AZ)

On email received, date XX/XX/XXXX XXXX AM. Experian stated my XXXX XXXX dropped which prompted me to log in to my Experian account. Upon logging in I saw that my account freeze I had engaged due toXX/XX/XXXXXXXX. XXXX had a breach. I initiated the freeze on XX/XX/XXXX and it was removed XX/XX/XXXX by Experian with out my permission or notification to or from either party. While still logged in I again initiated the freeze. XXXX and I contacted Experian XX/XX/XXXX, spoke to XXXX XXXX, who could not explain or give me a just cause that this occurred. I made sure it was in fact froze as I had again requested on XX/XX/XXXX while I was logged into my Experian account. XXXX said it was in place as froze and apologized but could not explain why it was removed and offered my it was a system error. This leads me to question Experian 's integrity or protection of my account/credit/reporting. For XXXX months they had my account unfroze with out notifying me, and with out my permission. I want a reason and remedy so this does not happen or continue to happen. It is assumed they are doing their job accurately, the American people do not log in to keep checking. I pay my bills and debt on time and in good standing- I have no reason to doubt my accounts or accounts integrity to keep checking. Also, they show my mortgage transferred and it remains with the same mortgage holder. The servicer that was only servicing not holding note to mortgage was ended and no longer servicing, but XXXX XXXX still holds the mortgage and payments. They do not understand and asked I do all contacting to straighten this out for them and to understand. I do XXXX XXXX XXXX only a servicer for XXXX XXXX XXXX not the note or mortgage holder. XXXX XXXX is holding the credit and still has my note/mortgage, that has not ended or transferred or changed I have always had payment go to them for my mortgage. However according to Experian I no longer have a mortgage. My XXXX XXXX has dropped and after XXXX minutes on the phone with XXXX separate XXXX 's this day, XX/XX/XXXX with Experian I have to no resolve, answers, or understanding with what they are doing or business practice they exercise.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have recently reviewed my credit report and I have noticed several late payments on XXXX  account # XXXX According to the Fair Credit Reporting Act 15 USC 1666b -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.

According to the the Fair Credit Reporting Act 15 USC 1681i ( 2 ) ( A ) ( i ) -report containing information solely as to transactions or experiences between the consumer and the person making the report ; According to the Fair Credit Reporting Act 15 USC 1681s-2 ( a ) ( 1 ) ( F ) - The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus XXXX XXXX  ( XXXX ) pandemic during the covered period.
Consumer complaint received 2023-09-15
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)

I have recently reviewed my credit report and I have noticed several late payments on XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act 15 USC 1666b -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. According to the the Fair Credit Reporting Act 15 USC 1681i ( 2 ) ( A ) ( i ) -report containing information solely as to transactions or experiences between the consumer and the person making the report ; According to the Fair Credit Reporting Act 15 USC 1681s-2 ( a ) ( 1 ) ( F ) - The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the XXXX XXXX XXXX XXXX XXXX XXXX pandemic during the covered period.
Consumer complaint received 2024-08-30
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: CITIBANK, N.A. (TX)

A fraudulent charge occurred on my credit card ending in XXXX on Thursday, XX/XX/year> at an XXXX XXXX XXXXXXXX store in XXXXXXXX XXXX  in the amount of XXXX XXXX I filed a dispute on this charge the same day. My card was subsequently closed and a new card was issued. 

After a few days, I learned the dispute was resolved without absolving me of responsibility. I called the Citi Security team to learn the reason for this outcome. I was advised that because I have the card in my possession and it is chipped, I am responsible for the charge. 

On Friday, XXXX XXXX, I visited the three credit reporting agencies, XXXX, XXXX and XXXX websites and put a freeze on my credit. I also submitted a fraud report to the Federal Trade Commission. 

I contacted the XXXX XXXX XXXX store directly on Saturday, XXXX XXXX and spoke with XXXX XXXXXXXX XXXX XXXX but was directed to their corporate headquarters at XXXX, whom I contacted on Monday, XX/XX/year>. After speaking with XXXX ( last name unknown ) in their online charges department, I was advised that no charges online, nor in the store, have been made with my card ending in XXXX and was provided their case reference #, XXXX. I immediately contacted Citibank Security ( XXXX XXXX ) and relayed the above information to XXXX who noted my information and stated the case would be reopened. 

On XXXX XXXX, I reviewed my account online to check the status and saw no change to the resolution summary previously provided. I called Citibank Security immediately and was advised that XXXX did have the case reopened but then, yet again, it was closed without a change to the original resolution. I was then advised by XXXX that I need to make my request in writing at the provided email address. I then submitted an email to XXXX detailed this info and requested the dispute to be reopened again. However, at this point, Ive lost confidence in Citibank properly investigating and clearing this fraudulent charge. 

In addition, I have repeatedly requested from Citibank 's Security team to provide a receipt of the purchase but have not been given one. 

I did not make this charge. I did not loan my card out, or provide the number to anyone, so can only presume that previous company data breaches, a skimmer device at other stores, or other fraudulent means were taken to cause this activity. 

I now plan to file a police report on this matter, as well as file a complaint with the Texas State Attorney General 's office.
Consumer complaint received 2024-07-15
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. (VA)

I am writing to formally dispute the following inaccurate information on my credit report. The items in question are : XXXXXXXX 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 XXXXXXXX, Despite my previous request for verification, the creditor has failed to provide any proof or documentation to substantiate their claim. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies and furnishers ensure all information reported is accurate, complete, and verifiable. According to Section 611 ( 15 U.S.C. 1681i ), the credit bureau is required to conduct a reasonable investigation within 30 days ( or 45 days if additional information is provided ). The burden of proof lies with the creditor to verify the accuracy of the information reported. Since the creditor has not provided sufficient evidence, I request the immediate deletion of this item from my credit report. Failure to comply with this request is not only a violation of the FCRA but also subjects the credit bureau and the creditor to potential penalties. The FCRA provides for statutory damages of up to {$1000.00} per violation, actual damages, punitive damages, and attorney 's fees for non-compliance. In addition, I request a detailed explanation of the investigation process and the specific evidence reviewed. If the information can not be substantiated, it must be deleted promptly as required by law. I also request the Method of Verification ( MOV ) for how this information was verified.
Consumer complaint received 2015-08-17
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (CA)

Account-Related Errors : Several credit cards that do not belong to me are listed asDerogatory Mark Errors on my credit report. 
Wrong name listed/Personal Information Errors are noted : All XXXX BANK and CITI Credit Cards are listed under the wrong name. They belong to my ex-husband, XXXX XXXX XXXX, as part of divorce settlement.
Consumer complaint received 2019-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

the car loan from XXXX XXXX XXXX was paid in full on XXXX. From {$800.00} to the current balance of {$0.00}. 

XXXX # XXXX Account # XXXX
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

It has come to my attention that certain negative items, which I believe to be inaccurately reported, continue to appear on my credit report. Despite my previous attempts to dispute and rectify these items, Experian has failed to take appropriate action to correct the inaccuracies. This lack of responsiveness to my legitimate concerns is deeply concerning and reflects poorly on the reliability and professionalism of Experian as a consumer reporting agency. 

As a responsible consumer, I have been diligently monitoring my credit report, and it is disheartening to see that the same erroneous information persists, affecting my ability to secure credit, loans, and other financial services. I have made significant efforts to improve my financial standing, and it is frustrating to see these efforts go unrecognized due to the persistence of inaccurate negative items. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. I have submitted valid disputes to Experian, providing supporting evidence to substantiate my claims. However, the lack of response from Experian or the failure to conduct a thorough investigation into my disputes has left me feeling disregarded and disheartened. 

I demand that Experian take immediate action to reevaluate and rectify the disputed negative items on my credit report. I implore the agency to conduct a diligent and unbiased investigation into my disputes, as mandated by federal law. It is essential that Experian acknowledges the gravity of its responsibilities in accurately reporting consumer credit information and adheres to the guidelines set forth by the FCRA. 

If the necessary actions are not taken promptly, I will be left with no choice but to escalate this matter to relevant regulatory authorities and seek legal recourse to protect my rights as a consumer. I hope it does not come to that, as I believe it is in the best interest of both parties to resolve this issue amicably and expeditiously. 

I expect a written response from Experian, addressing the specific actions taken to review and correct the inaccuracies in my credit report. Additionally, I request confirmation that the negative items in question have been appropriately removed or updated, along with a revised copy of my credit report reflecting these changes. 

Please treat this matter with the urgency it deserves, and I look forward to your prompt response to ensure a swift resolution.
Consumer complaint received 2024-06-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am in the roofing business. Everything started when the fraudster XXXX approached me, claiming he needed some work done on his roof. He seemed genuine enough, so I sent over a detailed proposal outlining the scope of the project. To my relief, he approved the proposal without hesitation. But then he told me he needed me to add some extra money to cover expenses because he was supposedly in XXXX and needed to pay another contractor or plumber. He was convincing and he assured me that he would pay those funds to me. He played on my sympathies, spinning tales of urgent deadlines and unforeseen costs. I agreed to transfer the additional funds. After all, I thought I was helping out a fellow contractor in need. Little did I know, the scammer had no intention of using that money for the roof repairs. Instead, he withdrew it from his account as soon as it landed in mine, leaving me to pay from my own pocket. The scammer had taken advantage of my goodwill, leaving me to pick up the pieces of his deceit. Money was transferred from my BOA account via wire and ACH in the total amount of XXXX USD to XXXX XXXX  and XXXX XXXX. Those were my hard-earned funds that were for me and my family, and I just wanted to help someone in trouble.
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, 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)

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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under aXXXX open end consumer credit plan as late for a purpose. 
Please remove before this is illegal and I feel my rights have been violated.
Consumer complaint received 2023-06-20
Product: Credit card or prepaid 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: CITIBANK, N.A. (NC)

Citi Bank does not want to credit me for a flight that I booked with an airline that went out of business and I have never received their service. I received a credit for the one flight, inbound but not for the outbound. They come up after weeks and weeks of " investigations '' with standard computerize answers and even though my attorney ( see attachment XXXX and XXXX ) sent two formal letters they do not care and say, its too late now ( XXXX XXXX XXXX ). We started a dispute right after the incidence happened and now they come up with this. Why they credit me for the inbound flight but not for the outbound? Nobody really takes a look into this from Citi Bank. 

Btw : Citi Bank is the worst service ever. Choose another bank
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have recently reviewed my credit report and I have noticed several late payments on XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) account # XXXX According to the Fair Credit Reporting Act 15 USC 1666b -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.

According to the the Fair Credit Reporting Act 15 USC 1681i ( 2 ) ( A ) ( i ) -report containing information solely as to transactions or experiences between the consumer and the person making the report ; According to the Fair Credit Reporting Act 15 USC 1681s-2 ( a ) ( 1 ) ( F ) - The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period.
Consumer complaint received 2023-09-15
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$280.00}
Consumer complaint received 2024-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

I HAD AN ACOUNT WITH CITIBANK NA FOR ABOUT XXXX OR XXXX YRS IN XX/XX/2021 MY ACCOUNT SUDDENLY CLOSED WITH ABOUT {$6000.00} NEVER GOT AN EXPLANATION AND WHEN I DO CALL MY ACCOUNT CANT BE FOUND. AT THAT TIME I HAD JUST GOT MY INCOME TAX WHICH DOESNT BELONG TO THE BANK! I WORKED HARD FOR THAT MONEY! I JUST WANT MY FUNDS BACK! I AM A SINGLE MOM OF XXXX AND THIS IS CAUSING ALOT OF FINANCIAL DIFFICULTIES. PLEASE EXPLAIN WHATS NEEDED ON MY PART TO GET MY FUNDS BACK. THANK YOU
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.