davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-25
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Consulting Agency LLC (NC)

On XX/XX/XXXX, I sign up for home security services with XXXX XXXX XXXX located in XXXX NC, an authorized provider for XXXX, XXXX. 
Due to military XXXX to the XXXX XXXX, I cancelled my service in XX/XX/XXXX. I informed the XXXX customer representative of the reason for the cancellation and provided a copy of my official military orders. The representative informed me that I would incur no early cancellation cost because my cancellation is protected their policy. 
Shortly after the cancellation with XXXX, I received a suspicious XXXX invoice ( # XXXX ) from XXXX XXXX XXXX for the amount of {$2200.00} on XX/XX/XXXX for early termination. The invoice was suspicious because I never made any payments to XXXX XXXX during the time I had home security service. All payments were made to XXXX. 
I continued to receive multiple phone calls from them even after informing them that my cancellation is covered by XXXX policy and the Service member Civil relief act ( SCRA ) and that I have a zero-balance letter from XXXX. 
The phone calls eventually stopped after forwarding the letter to one of their employees. 
On XX/XX/XXXX, GLOBAL CONSULTING AGENCY flagged my account as Collections on behalf of XXXX XXXX XXXX for the amount of {$2200.00}. 
On XX/XX/XXXX, at around XXXX, XXXX customer service representative XXXX XXXX call reference # : XXXX ) reiterated that my cancellation is protected by XXXX XXXX and that Impulse XXXX XXXX XXXX not have charged me for any fees. I filed a dispute with XXXX on XXXX XX/XX/XXXX and submitted my official military orders, a XXXXbalance letter from XXXX and the XXXX invoice. On XXXX XXXX, the report was finalized with the following statement from XXXX : The dispute for the account with GLOBAL CONSULTING AGENCY that starts with XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to XXXX that the information is accurate. 
I should not have incurred a debt per XXXX policy and the Servicemember Civil relief Act.
Consumer complaint received 2024-06-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A. (IL)

XXXX XXXX XXXXXXXX citibank XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX citibank XXXXXXXX XXXX XXXX XXXXXXXX accounts was open up fraudulently i didnt open up none of this i think my father used my info
Consumer complaint received 2024-08-05
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)

Please delete all these fraudulent accounts none of the listed is associated with me. 

The account listed are not transactions done by myself. 

There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer.
Consumer complaint received 2024-06-28
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (NC)

On XX/XX/year>, SUNRISE CREDIT SERVICE ( hereinafter SCS ) erroneously submitted a a collection to the XXXX, Transition and XXXX. Immediately, I submitted a letter of verification from this company requesting i.e. Verification, Validation, Original Contract, Payment History of the person they accused me of being. I did not receive a response. 

In this letter I informed them to cease all communication with me in regards to the identity theft this company was participating in. I also informed them that this debt was fraudulent and already removed from my credit report in the past. In last I informed them that I will file a police report against them for identity theft. 

This account XXXX XXXX XXXX XXXX indicates that this XXXX mobility account was opened XX/XX/year>. This clearly demonstrates that the Credit Bureau failed to adhere to there Metro 2 Standards and the FDCR regulations as well as SCS blatantly committing financial fraud.

* The financial law clearly states that a delinquent account only becomes worthy of credit debt 90 days after failure to make a payment. Herein, if a account was opened in XXXX it would be worthy of becoming collective debt until XXXX. This clearly shows negligence on SCS behalf with intent to defraud the credit bureau. In light of that the credit bureau are consistently failure consumers by allowing such negligence to ruin, damage and harm credit profiles. In particular, the credit bureau has penalize my fido score and WOULD NOT reinstate the points taken for this error after its deleted. 

More so, I have never done business with this entity. The account also doesn't have a payment history. 

The Credit Bureau has failed me tremendously and wish to hold them accountable for such action.
Consumer complaint received 2024-06-27
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. (OR)

This company experian continues to refuse to add missing address that they wrongfully took off my bureau report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is missing n causing direct effect on missing accounts that should be reporting only address thats reporting is XXXX XXXX XXXX XXXX XXXX OR XXXX
Consumer complaint received 2024-05-07
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. (NJ)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account XXXX : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXccount Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BMO Bank, N.A. (IL)

I have recently paid off my truck loan. I have called 4 times to get my title sent to me. 
I have been told different things each time I call. I have explained that living in Illinois we are not a title holding state and they need to send me the title. I have not been able to resolve this by calling, and as of today they will not send out my title. I paid for this title when the truck was purchased, and expect the title to be sent. As of now, I have no title for a vehicle that has been paid in full, early, and I am unable to sell the vehicle.
Consumer complaint received 2024-05-07
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)

i see a recent fraudulent inquiry added in my report. Kindly remove it as soon as possible. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-03
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: Army and Air Force Exchange Service (TX)

The negative rating on my account is causing serious concern due to its credit impact. It has already led to a loan rejection and higher interest rates on my existing credit accounts. This situation is creating severe financial and emotional strain, which will continue until resolved.
Consumer complaint received 2024-08-05
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. (TX)

My account with XXXX XXXX XXXX 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 those account 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. 


XXXX XXXX XXXX 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 pursuant 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
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : U S DEPT OF EDXXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-28
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCSPLUS INCORPORATED (GA)

NTL CDT SYS aka NCSPlus Incorporated listed themselves as a Lender for a debt that has not been established as mine and has been disputed since they entered this information on my credit report as an open account since XX/XX/year> in the amount of {$56000.00} with XXXX XXXX XXXX as the Original creditor whom I have also disputed this debt against me along with filing a counter suit to the allege debt to which I don't owe. 
The company has entered this information under several different name on my credit report but it is still the same company - A dispute was replied after this company initially contacted me on XX/XX/year> and NCSPlus Incorporated still reported this account to the XXXX as a valid correct account. It was disputed with XXXX and NCSPlus Incorporated by me and it was not corrected or deleted. After I sent proof of debt not being correct, not valid and that I have not contracted with them nor was I a client that owed the debt. I was then sent another letter by NCSPlus Incorporated dated for XX/XX/year> threating to report me to XXXX, XXXX, and XXXX although they have already reported this information to the credit bureaus where they ( NCSPlus has already ruined my credit and I was denied a mortgage loan due to this incorrectly reported account ) that I never had with this company and defiantly for not the amount of {$56000.00}. I was further threatened to make payment even after disputing the debt amount, ownership, and validity of the debt. No judgments have been secured in this matter nor has a judgment been entered for this debt on behalf of the creditor nor NCSPlus Incorproated.
Consumer complaint received 2024-06-27
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: AMERICAN EXPRESS COMPANY (CA)

American Express XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX ) XXXX RE : Acct XXXX Complaint I called the business on XX/XX/year> to let them know I need them to refund my credit balance of {$12.00} sitting on this paid off account. I spoke to a man named XXXX who refused to mail my refund to my home address of record in the form of a check. I told them that I was going to file a Formal Complaint if they are refusing to refund money that I don't owe. I filed my complaint with the Better Business Bureau where there were several other complaints filed on this business ; Better Business Bureau Customer Complaints ; XXXX complaints closed in the last XXXX  years XXXX complaints closed int he last XXXX  months
Consumer complaint received 2024-06-27
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: Kikoff Inc. (SC)

" 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 TILA US Code 1666B since I was never late. 

Please see attached file for these items I am complaining.. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-06-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (TX)

On XXXX XXXX I ordered a XXXX  for XXXX to the hospital. My card was changed XXXX followed by the XXXX. I immediately contacted cash app and informed of the error and was instructed to wait til Transactions posted and to call back and file a dispute. Once transaction posted I called to file dispute and it was denied Ive provided all proof of duplicate transaction and that I did not authorize XXXX transactions.
Consumer complaint received 2024-06-26
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (IL)

I have tried to use this card and cant use it in any stores, I have contacted you several times and you have come up with excuses. First time, it was because I havent used my card in any store and I have tried XXXX and it wasnt successful. Next time you stated you tried contacting me about my address. My address is correct. You have sent me things before to my address and also I have received no phone calls.
Consumer complaint received 2024-06-26
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. (IL)

I made one {$150.00} payment to JP Morgan Chase on XX/XX/year>. That amount was properly withdrawn from my checking account. On XX/XX/year>, a second, unauthorized payment attempt was made from my account. I was subsequently charged a {$29.00} overdraft fee by my bank, XXXX XXXX XXXX XXXX. I called XXXX on XX/XX/year> : the XXXX representative informed me that this was occurring with many members who had Chase accounts, saying it was a glitch in the Chase system due to XXXX, and promptly refunded me the {$29.00} overdraft fee. The unauthorized charge for {$150.00} was not withdrawn. On XX/XX/year>, an unauthorized payment of {$150.00} was made to Chase. I called Chase to complain and was told by XXXX, Supervisor of Payments, that they had nothing to do with this charge and that it was a problem with my bank. I called XXXX to investigate the matter. XXXX, a Membership Services Representative, stated that a payment was attempted on XX/XX/year>, and that this was a retry after the payment failed. I informed XXXX, as I did the previous XXXX employee, that I never made a second payment to Chase. XXXX stated that it was not an XXXX issue. I expected to have that {$150.00} in my bank account this week, and did not expect to give it to Chase. I am vacationing with my family this weekend and an extra {$150.00} that I thought Id have would be nice. I want my {$150.00} back. I never miss a payment and have diligently paid Chase. I was not late and did not owe them any money for XXXX beyond what I paid them. In fact, the minimum payment was {$53.00}. I should not have to pay them when I do not want to pay them. Chase does not have taxing authority.
Consumer complaint received 2024-05-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

My account with the company and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE 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.

This company 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 pursuant 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.
Consumer complaint received 2024-05-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.