davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-12
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. (MO)

Per the Fair Credit Reporting Act as a federally protected consumer, I am opting out, rescinding of any and all authorization. I the consumer may have given you ; written and unwritten, verbal and non-verbal per Gramm-Leach-Bliley Act of 1999 and 15 U.S. Code 6802.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I hope this letter finds you well. I am writing to express my concern regarding the reporting of transactions or experiences between myself and XXXX XXXX on my consumer report, which is a clear violation of the Fair Credit Reporting Act ( 15 USC 1681a ). Which clearly states that you can not report late payments to a third party data furnishing company that you do not own ( other than agents of the institution ). The Fair Credit Reporting Act ( 15 U.S. Code 6803 ) also states that you can not disclosure any non public information about me without my knowledge or expressed consent. 
According to Congress, XXXX XXXX may also be in violation of 15 U.S. Code 2068, which clearly states that my consumer report can not be distributed in commerce if the manufacture knew or should have known of such voluntary corrective action. In addition the Fair Credit Reporting Act ( 15 U.S. Code 2069 ) states that aforementioned violation of 15 U.S. Code 2068 requires monetary relief not to exceed {>= $1,000,000}. 

I have identified the following issues : Late payments ( transactions or experiences ) being furnish on my consumer report. I believe these matters warrant resolution before resorting to arbitration.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (IL)

In XX/XX/year>, Mr. Cooper, my mortgage servicer, experienced a significant data breach. This breach led to extensive disruptions in their systems, severely impacting their ability to process payments and communicate effectively with their customers. 
Unfortunately, I was among the many affected by this breach. This Breach has led me to be the victim of inaccurate reporting to the credit bureaus. Prior to the data breach, I was current on all my payments until this point, but there was a considerable delay in processing my ( or any ) payments. After paying in XXXX, i decided to utilize the FHA XXXX forbearance plan option, which requires my account to not be reported as late to the credit bureaus. Despite my adherence to the agreed-upon plan and my best efforts to ensure timely payments, these delays resulted in my payments being reported as late. They again, falsely reported my account late a few months ago, although my payment was given to them, for this I have proof through my bank statements. 

These have been XXXX late reporting 's, without ever even reporting a 30 day late. I don't know how that's even possible.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Chime Financial Inc (OR)

On XX/XX/XXXX I noticed an account on my credit report that did not belong to me. I contacted Chime Bank, XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX, and I could not get information as that I did not have ALL the correct information. My social security number and date of birth were correct, but address and phone number were wrong. I filed a complaint with XXXX, XXXX, and XXXX on XX/XX/2023. I filed a Identity Theft report to XXXXXXXX XXXX XXXX XXXX XXXX  on XX/XX/2023. I received a letter from XXXX stating the credit account belongs to me, despite me not knowing any information or having access to it. I called Chime bank again on XX/XX/2023. Once again since I didn't have the right information aside from XXXX and XXXX, I was not allowed to get any information about the account.
Consumer complaint received 2023-12-12
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)

Experian is refusing to comply with the proper process to remove information from my credit report that does not belong to me. I sent in all of the information and documents required by law and they are trying to make their own rules.

There is a fraudulent account reporting to my credit report by a company by the name of XXXX XXXX. 

I have never heard of this company before. I have never heard from this company before. I have never communicated with this company. 

However, after submitting the proper documents to Experian, they are trying to keep this damaging information on my credit report instead of removing it. 

I have suffered enough damages by Experian allowing this company to put this on my credit report and the account does NOT belong to me. 

The USPS Tracking number XXXX shows that Experian received all of the required documents on XX/XX/XXXX. Today is the XXXX.
Consumer complaint received 2023-12-12
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. (IL)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jim Bottin Enterprises, Inc (CA)

I walked into my health club and canceled my membership because I was leaving the state for work. Months later I kept getting emails and calls about a past due payment so I was bullied into paying {$79.00} and then I received a pending cancellation letter via email from the health club facility. I work in a hospital and do not have the ability to answer my phone every time it rings but I keep getting calls from the health club saying my payments are past due. When I try to call back I get disconnected because I tell them this is already resolved. Today I get an email saying they sold my debt to collections and I will be in collections. So I was finally able to get ahold of ABCXXXX fitness and they say I have to pay them another {$230.00} to settle the debt thats been accruing since I canceled my membership which they never canceled per my multiple request. These bad business practices need to be abolished. Companies can not go around threatening peoples credit scores for more money because they are greedy and bullies
Consumer complaint received 2024-07-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Circle Internet Financial (IL)

Between XXXX and XXXX I was lured into invest approximately XXXX XXXX equivalent ~ {$380000.00} as of today ( XX/XX/year> ). The Website called XXXX, it was part of XXXX XXXX which is a XXXX subsidiary. The scammers baked a browser into the XXXX XXXX and asked me to use the browser to invest. I did XXXX transactions and I was allowed to withdrew money twice, total {$2000.00}. My investments grew substantially and wanted to withdrew again but this time the so called customer service told me that I have to invest 20 % more to withdraw, the FBI calls this " XXXX XXXX '' or advanced fee scam. I filed complaint with the FBI, filed IC3 Form back in XXXX, I contacted the District Attorney Office and I filed complaint with the FTC along with the SEC and the Secret Service. We traced the investments and found out some of the funds converted into USDC and USDT coins. We contacted to XXXX and XXXX and asked them to freeze these funds. We sent them the Asset Tracing Intel report. They both refused to cooperate. We summoned them with a court order but both Company told us that they are not going to comply with our request even though we provided enough evidence that they are holding illicit funds. Circle mints USDC and it is a US Company, Thether is not located in the US. As of today ( XX/XX/year> ) we see fraudsters have {>= $1,000,000} XXXX in the account we identified via the Asset Tracing Intel Report.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

Accounts Involved : *Department of ED and any of the following 3rd parties : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  These accounts are reporting information protected by the Privacy Act of 1974, which prohibits : A ) sharing of information to 3rd parties without consent from me, the consumer, to the 3rd party directly. 
B ) sharing of transaction history without consent. 

These accounts are reporting information protected by the Family Educational Rights & Privacy, which prohibits : A ) student information shared with 3rd party companies ( loan, payment history, transaction history, attendance dates ) ; NOT falling into any of the categories listed by FERPA allowing such information to be shared ; NOT falling into any of the categories listed by FERPA outlining what entities ARE allowed to receive such information. 

In addition to the aforementioned Privacy Act of 1974 violation, this act also prohibits government agencies from taking actions with consumer information, which are not outlined in agency forms presented to me the consumer. 

These accounts are reporting information protected by 15 U.S. Code 6802, which prohibits nonpublic personal information to be shared to nonaffiliated 3rd parties ( including, but not limited to credit reporting agencies ) without consent of me, the consumer. 

There are also items reporting closed that are still negatively reporting on my credit.
Consumer complaint received 2023-12-12
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. (GA)

subject : Demand for Immediate Removal of Charge Off and Violation of XXXX XXXX % XXXX % XXXX XXXX Sir/Madam, I am writing to inform you that the XXXX business days that you were given to block certain information in my credit report that I believe resulted from identity theft has passed, as per my rights under the Fair Credit Reporting Act, specifically XXXX XXXX. % XXXX % XXXX XXXX following information is not related to any transaction or activity performed by me : EXPERIANXXXX 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 XXXX XXXX XXXX XXXX According to federal law XXXX XXXX Code % XXXX % XXXX XXXX % XXXX % 80 % XXXX - Block of information resulting from identity theft : ( a ) BlockExcept as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of % XXXX % 80 % XXXX I requested that these items be blocked from my credit report in accordance with my rights under the aforementioned law in a letter that reached you earlier last month : XXXX - XXXX Number XXXX - Delivered XX/XX/XXXX, XXXX - Tracking Number XXXX - Delivered XX/XX/XXXX, XXXX pmTransunion - Tracking Number XXXX - Delivered XX/XX/XXXX XXXX pmAttached to these letters were copies of the following XXXX. Proof of my identity [ describe the document you're using as proof of identity, such as a driver 's license or passport ] XXXX. A copy of the identity theft report, ( I have a Federal Trade Commission Identity Theft Report and/or a police report ) XXXX. A statement explicitly declaring that the disputed information does not relate to any transaction or activity performed by me.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

Re : XXXX XXXX XXXX XXXX XXXX reports, this account was opened on XX/XX/2018. It shows " charge off '' in the status section. Any debt that has been charged off is now a certificate of indebtedness, which is considered income and should NOT be on my credit report. This is a violation of 15 U.S. Code 1681 ( b ), which is attached.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I appreciate your taking the time to DELETE some of the erroneous inquiries in my credit file ; however, there are still many unverified inquiries that need to be DELETED. The credit bureaus must verify these inquiries under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed inquiries be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I am writing to formally dispute the information being reported on my credit report regarding the account referenced below : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Upon reviewing my credit reports from multiple credit reporting agencies, I have discovered conflicting information regarding the payment status of this account. Specifically : XXXX reports the payment status as " Paid as Agreed '' with no indication of any past-due amounts. 
XXXX reports the payment status as " Paid as Agreed '' with no indication of any past-due amounts. 
Experian reports the payment status as " Past Due '', suggesting that there are delinquent payments on this account. 
This discrepancy in reporting has caused confusion and is a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies must provide accurate and consistent information in credit reports. 
I request that you conduct a thorough investigation into the reporting of the payment status of this account and take appropriate action to correct the inaccuracies. Please ensure that the payment status is accurately reflected on my credit reports from all credit reporting agencies.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

Experian has NON-MAILABLE addresses on my Credit profile. MY CURRENT ADDRESS IS ( XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ) THE FOLLOWING ARE NON-MAILABLE!!!!!!!! 

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 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 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
Consumer complaint received 2023-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act, XXXX, XXXX 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.

15 U.S.C 1692b acquisition of location information by debt collectors.
Consumer complaint received 2024-07-22
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (FL)

Illegally Charged Interest on Credit Card Balances Paid by Payments Above Minimum. 

Citi Reference No : XXXX. 

I have two credit cards with Citibank N.A., Citi Double Cash Credit Card ending XXXX and Citi Rewards Credit Card ending XXXX. On both credit cards, the monthly minimum consists of interest plus 1 % of the balance or {$41.00}. Balances are accrued daily ( the agreements attached ) on both cards. In the period of XXXX to date I have had balances with different APRs ( statements attached ). Every month. I make payments in excess of the minimums. However, Citibank fails to apply all my payments above the minimums to the highest XXXX balances. On card XXXX, the extra payment totaling {$1500.00} on XX/XX/XXXX failed to apply to the balance of XXXX at 27.24 % and reduced lower APR balances instead. I complained multiple times by phone and in writing on XX/XX/XXXX and on XX/XX/XXXX. In four written responses of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, Citibank misrepresented my credit card agreements stating I must pay my balances in full every month before the payments could be applied to the highest APR ( absurdity, attached ). Overall, Citibank charged me over 150 days of illegal compounded interest, instead of three days. The amount of illegally charged interest on the card ending XXXX was {$35.00}. In response to one of my complaints, Citibank made a 'courtesy refund ' of {$27.00} of the illegally charged interest but continued to charge further interest on the same 27.24 % APR balance, failed to correct the balances and statements and correctly apply the balances to comply with the Credit Card XXXX XXXX and the card agreement terms. 

In the same manner, Citibank has been mistreating the payments above minimum on my credit card ending XXXX which is most clearly seen on the statements in XXXX, XXXX and XXXX - none of the payments in excess of the minimums were applied to the highest 5.99 % APR balance resulting in at least {$11.00} illegally charged interest. 

On XX/XX/XXXX I filed a complaint to Citi Executive Response Team, only to receive on XX/XX/XXXX yet another misrepresentation of my card agreement claiming Citibank 'correctly ' applied my extra payments to 'balances above 0.00 % APR '. I attach the Chronology of my interactions with Citibank. 

What initially seemed like a system error or incompetence, is now clearly a deliberate system endorsed by senior Citibank management designed to charge illegal interest. There are reports from the people I know and on Internet describing the same mistreatment of extra payments by Citibank. Other 12 banks where I have balances with different interest rates always apply payments above minimums to the highest APR balances immediately on the day of payment. 

With over {$100.00} XXXX of outstanding credit card balances, Citibank seems to have been making billions in illegal interest for years. The Regulator involvement is necessary to correct this. Thank you.
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my other attempt to inform TRASNUNION Credit Bureaus that I am a victim of identity theft and to express my dissatisfaction with particular records in my file as a result of their misconduct. The records I'm looking into have nothing to do with transactions that involved me or my authorization to acquire ownership of any things, services, or money. Block the appearance of any information in my credit report that was allegedly obtained through fraud, assuming no one is interested in it. TransUnion Credit Bureau is legally obligated to erase any items or information that are discovered to have been opened as a result of identity theft under Section 605b of the FCRA. 
XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022.