davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-17
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

I am writing to formally dispute the validity of a collection account that has been reported on my credit report by Experian. The account details are as follows : Alleged Creditor : XXXX XXXX Account Number : XXXX Open Date : XX/XX/2023 Amount of Alleged Debt : {$7200.00} I hereby refuse to acknowledge or pay this alleged debt until proper validation has been provided. I request immediate cessation of all inaccurate reportings regarding this account. 

As per my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this debt.
Consumer complaint received 2024-01-07
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I've been going back and forth with Bank of America since XXXX about my money that they allowed someone to take fraudulently they have been going back and forth keep on denying my claims talk about somebody that I authorized on myself did the transactions that's not true my daughter passed away in XXXX XX/XX/XXXX so one of those transactions was from XX/XX/XXXX and I was still where my daughter passed away at and XXXX California so that can possibly be me I've told him this I've sent them proof they still keep denying my claims I need someone to help
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I have attempted to have this alleged debt verified by the alleged creditor and collection agency to no avail. I am respectfully requesting that XXXX, Experian, and XXXX do what is legally mandated by the FCRA and FDCPA, and delete the account listing of XXXX XXXX. XXXX, Experian, XXXX, and XXXX XXXX received a demand for validation from me. As of today, XX/XX/XXXX they have failed to provide any proof from their investigation and/or validation of debt. I have sent multiple letters and disputes since XX/XX/XXXX. Again, I have received no response but a copy of my credit report. Instead, XXXX XXXX is illegally updating my credit report as charged off each month with a balance due and remarks stating it was written off. The FDCPA states they must cease collection activity until they produce verification of the alleged debt if so requested. As per the FTC, this includes reporting to the credit bureaus, which they obviously have done illegally. It is quite evident that no such proof of this alleged debt exists or they would have provided it in the previous 12 months since it was requested. As per the FCRA, if no proof of debt exists, it may not be reported to the credit bureaus as they are required to report ACCURATE information. The FCRA also states that the credit reporting agencies must receive written proof from the debtor. Therefore, I am not asking for an investigation to be done, I am requesting that the entry be deleted in its entirety as there is no proof of its existence as evidenced.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX. ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-08-06
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. (CA)

Upon checking of my credit report today, can't help but notice that there are inquiries in it that I don't recognize which was really concerning it made me extremely anxious. I did not give permission to these companies to pull up my credit report. I don't like my rights as a consumer being violated, and it's one of the few things I want to be protected, my life is already stressful as it is.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KS)

In XXXX of 2022, I was offered an XXXX XXXX XXXX XXXX as a XXXX lease for $ XXXX + taxes. I was sent online documents to sign and I did however once the paper copies showed up, I learned that the dealership added a tire and wheel package for {$4900.00} which I did not agree to as well as changed the lease duration to XXXX. 

This ended up making my payment nearly {$3000.00} ; 20 % higher than what was agreed. I do not like dealerships that do bait and switches and I told them I was no longer intersted in the car and I was travelling and did not want to deal with nonsense. 

Instead of cancelling the deal, the dealership sent me a demand letter from their attorney. I told them to pound sand. What sort of dealership does this? I have the texts between my son and the dealership where we brought up concern of the lease duration changing and the dealership said to sign and we can change it tomorrow as they had to meet monthly quotas. 

I did not and have not taken delivery, paid the down payment ( only the deposit ), and did not sign any of the registration paperwork and will not be purchasing this car. I cancelled the deal almost 2 months ago and XXXXXXXX XXXX  needs to stop reporting this car on my credit.
Consumer complaint received 2023-01-04
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)

I have ask the Credit to remove the XXXX accounts from my credit report in XX/XX/2022. It is my Consumer right to the right or Privacy U.S.C Section A Right to Privacy. U.S.C. Section 604 A Section 2 nothing should be written on a consumer report without written permission from the consumer. The accounts have been either paid and was told it was being removed plus i have my credit report which have different dates which i received notice it was verified on all four accounts including the XXXX XXXX XXXX complaint i also filed the XXXX accounts are XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (NY)

1692g. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ( 2 ) the name of the creditor to whom the debt is owed ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

list of company`s i have mailed letters to and they failed to show any proof of a receipt that i gave any permission to 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  NOTICE ; IF A CONSUMER NOTIFIES A DEBT COLLECTER THAT THE CONSUMER REFUSES TO PAY A DEBT THE DEBT COLLECTOR MUST CEASE ALL COMMUNICATION I HAVE WRITTEN ALL OF LIST PROVIDED NO RESPONSE WITH 48 DAYS THAT IS A FORM OF WRITTEN CONSUMMER REPORT
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

The accounts below are reporting the incorrect opening date and reporting accounts that have been removed from other bureaus. I have asked the credit bureau to verify the account information they are reporting and match it up with the other bureaus but they all send back accounts verified with no change. Please see the proof and evidence these account are reporting different on Experian, XXXX, XXXX. 

XXXX XXXX balance is {$0.00} but still showing as a charge off. please change to paid in full never late XXXX XXXX  XXXX incorrect opening dates and was removed from XXXX for inconsistent reporting data XXXX XXXX XXXX  XXXX had been sold and paid off with {$0.00} balance but still showing as a charge off. please change to paid in full never late
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2023 I filed a dispute with the credit bureaus XXXX, XXXX and Experian for late payments that are showing on my credit report. I stated several consumer laws that I believe to be relevant pertaining to my dispute. Late payments are considered to be a transaction and can not be reported on my consumer report without written consent from myself. I demanded they be removed because transactions can not be reported on a consumer report per FCRA REGULATIONS.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

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

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


I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuan
t rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I tried correcting my address on my own, but they never corrected it, so I hired someone to help me, they send me an email, stating that I didnt send the information myself, and they were unable to respond. Where do that leave me. I cant despite any information without my address corrected. ( XXXX ) XXXX XXXX. Thank you. I cant apply for credit or mortgage without XXXX updating my address.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Per code 15 USC 1681 b & 15 USC 1681s-2 Us 242 You Must follow the law as it has been put in place to protect the consumer which I am. Honor my request this has been my second attempt Ive lost thousands of dollars paid high interest rates aggravating headaches stress and loss time this is my last attempt if this isnt COMPLETED AS SUCH I WILL MOVE TO LITIGATION!!!
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am not liable for this debt with XXXX XXXX XXXX for {$1900.00}. I do not have a contract with XXXX XXXX XXXX XXXX, and they did not provide me with the original contract as requested. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company has no permission to report anything using my personal information pursuant to 15 USC 1681 4.
Consumer complaint received 2024-04-17
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. (AL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-08-13
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)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-04-17
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. (NV)

I accordance with the Fair Credit reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CT)

I requested the credit bureaus to verify everything on my credit report, and they did. They stated that everything was accurate, and I did thorough research and found proper inadequacies dates on the credit report even after they did. Account : XXXX XXXX XXXX Under the fair credit reporting act, XXXX account # XXXX with XXXX has violated my rights. 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 also states a consumer reporting agency can only furnish an account with my written instructions.
Consumer complaint received 2024-02-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

My business and personal bank accounts were closed without me being given an official reason. The manager said it's probably because I was making too many cash deposits. He was aware that Citizens bank 's cash advance machines were down company wide because they are changing their system out. ( so I was told ) For what I assumed was going to be a week or 2 but this went on for several months so I had to continually go to another bank when I needed cash advances and bring the cash back to Citizens to deposit into my account. I have a line of credit from another bank that I can continually draw from and pay it back. Any account linked to my business account has been shut down and closed. They said it would be closed permanently on XX/XX/24 but they closed everything on XX/XX/24 after only giving me about 3 days notice. After getting the letter I spoke to the manager and he said he would appeal the decision and let them know it he was aware I was bringing the cash deposits because of the broken cash advance system at his bank. He told me the appeal was denied on approximately XXXX which only gave me about 3 days to make other arrangments and with Friday the XXXX being a pay day for my business caused me harm because now I don't know if my employees were able to cash their checks. I googled this and found that Citizens bank has been doing this to other customers also without giving them any explanation as to why. I requested a number to call the corporate office and the manager said he didn't have one. I asked for Contact information for the president of the bank and again he told me he didn't have anything.
Consumer complaint received 2024-04-17
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. (MD)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Per code 15 USC 1681 b & 15 USC 1681s-2 Us 242 You Must follow the law as it has been put in place to protect the consumer which I am. Honor my request this has been my second attempt Ive lost thousands of dollars paid high interest rates aggravating headaches stress and loss time this is my last attempt if this isnt COMPLETED AS SUCH I WILL MOVE TO LITIGATION!!! 
Also its illegal to freeze a consumer account you have been put in notice
Consumer complaint received 2024-02-17
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (TX)

JP Morgan Chase Bank , N.A . sent me an offer for a 0 % promotional balance transfer offer with two convenience checks for transferring the funds. I deposited one of the convenience checks to my account in the amount of {$15000.00} and used the proceeds to pay off a portion of other higher interest debt. A few days later, the check was returned marked " Frozen/Blocked Account '' and the funds were revoked, creating a negative balance in my account.