davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2024-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (MD)

Hello, CITIBANKS ARE THEIFS THEY ARE HOLDING MY XXXX XXXX  XXXX My funds was locked today for no apparent reason. They said they could not verify my identify for whatever reason but I had and still have ALL of my documents. This account is new even though I previously had an account with Citibank before joint with my dad. I made transfers to two different accounts from my XXXX sacs account but i wanted to transfer the funds i deposited in my citi to my XXXX XXXX  because I had to make a purchase in the process of giving me a cashiers check in my name they locked my account and said theres nothing that can be done. This whole experience is just traumatizing and extremely unfair. I just want my account unfrozen and my money released please thank you.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Total Card, Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> I'm writing to say that the law, called the Fair Credit Reporting Act, protects my privacy. It says that companies like XXXX  and XXXX, which share people 's financial information, must be fair and respect my privacy. 
Another law, 15 USC 6801, says that financial institutions, like the ones sharing my information, have to protect my privacy. I don't want them to share my information, and they need my permission to do so.

Even if they had my permission before, I'm taking it back now. 15 USC 6802 says that a financial institution can't share my private information unless they explain how I can say no. They never told me I could say no.

Moreover, another law, 15 USC 1681C, says that they can't share negative information about me without my permission. But they're doing it anyway, which is against the law. 
There are more laws, like 15 U.S. Code 1681s2 and 15 U.S. Code 1681e, that say companies like XXXX and XXXX must be careful and accurate when sharing information. But it seems like they're not following those rules. 
One more thing, according to 12 CFR 1016.7, I can choose not to let them share my information at any time. So, I'm choosing not to let them do it anymore. 
Thank you for understanding. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

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 : XXXX XXXX
Consumer complaint received 2023-11-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (AK)

Going back to XXXX. I've tried to make payments on my student loan, but they have never taken the money out of my account. Meanwhile, my interest rate keeps going up, my loan amount is getting bigger, and they keep reporting to my credit report. I've tried making a payment as recently as XXXX of XXXX. In fact I tried twice in XXXX but yet they never actually take the payments and apply them to my account. I just want to get this stupid loan off my credit report so I can move on and be able to apply for better loans with better interest rates, but they are standing in my way! 

Thank you
Consumer complaint received 2024-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I deposited a treasury warrant from the state of Texas into my Chase Bank account. The bank confirmed that these funds have been verified and paid. They did not release the standard amounts the first day or the second day. I have asked why they are holding the verified funds and they will not give an answer.
Consumer complaint received 2024-03-31
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

My credit report is showing late payments to XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXXXXXX XXXX customer service representative.
Consumer complaint received 2023-12-06
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (FL)

American Express received the full payment 2 days after the due date XXXX, XXXX. The full amount was {$140.00} and American Express sent me a statement Fee Late {$40.00} + interest {$2.00} I didn't receive the mail to my home. that is why the payment went 2 days behind. I have been a loyal customer for 15 years. I always paid in full. In the past American Express removed the late fee. Since the customer service is out of the country notice they don't have empathy with citizens. I asked them to remove the late fee of {$40.00} and the interest of {$2.00} and they denied my request. It is not fair. I always paid in full. 
I'm a hard worker and any pennies count. I want to submit this complaints.
Consumer complaint received 2023-10-31
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: Shellpoint Partners, LLC (CA)

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below SHELLPOINT MORTGAGE XXXX
Consumer complaint received 2024-03-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc (NC)

Upon discovery after viewing my consumer report I see that Bull City Financial Solutions , Inc. & CEO XXXX XXXX XXXX XXXX is reporting an alleged debt to Consumer Reporting Agencies- ( XXXX XXXX XXXX XXXX XXXX ). Bull City Financial Solutions , Inc failed to send me the initial validation disclosure required by law to dispute this alleged debt pursuant to 15 USC 1692g ( b ). I invoking my specified remedy as the true original creditor pursuant to 15 USC 1692c ( c ) ( 3 ) & demanding that Bull City Financial Solutions , Inc cease & desist all communication & collection activity through any & mediums pursuant to 15 USC 1692c ( b ) & 15 USC 1692c ( c ). Failure to comply with any provision listed shall invoke legal action pursuant to 15 USC 1692k.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

I was looking at my credit report and saw that I had some accounts that wasnt mine am a victim of identity theft.XXXX XXXX  account number XXXX, XXXX  XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX account number XXXX and XXXX XXXX please delete these accounts immediately
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.
Consumer complaint received 2024-03-22
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: Continental Finance Company, LLC (NE)

On XX/XX/XXXX I received text messages regarding fraud alert from the company stating unusual activity for XXXX XXXX  ( XXXX ) and XXXX ( XXXX ). I responded immediately and the card was blocked. I called and the client services was to open a fraud case, assign an analyst and remove the charges. XXXX XXXX XXXX ( XXXX ) was removed. The XXXX ( XXXX ) was not. A new card was issued. On XX/XX/2024 I activated the newly issued card and found out they transferred the fraudulent charges of XXXX to the new card. I made XXXX calls trying to get help. I was told a fraud case would be started, transferred to lost/stolen who closed the brand new card and said I had to call back to find out how to get the charges reversed. I was hung up on, transferred back to lost/stolen who hung up on me, placed on hold for XXXX minutes and transferred to client services for a fraud analyst who promptly hung up on me. I attempted to contact them via chat 3 times and was disconnected. The charges have not been removed. 
XX/XX/2024 - XXXX XXXX  XXXX - through XXXX XXXX  XXXX talked to XXXX, XXXX, XXXX, XXXX and XXXX others I could not understand their names. Still no resolution. 

I have attached my phone log and the text messages from the credit card company.
Consumer complaint received 2023-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX name XXXX, XXXX NEED TO REMOVE IN 14 TO 30 days THANK YOU XXXX XXXX
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I paid the outstanding balance on my XXXX account in-store at XXXX XXXX and requested that XXXX unlock my XXXX. To date, they have not done so. XXXX, XXXX has place my account in Collections. Despite the balance on the account being XXXX.
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Ive been trying to dispute this account in several times on my report but my dispute has been ignored. I am requesting that you reinvestigate this matter as required to do so under the FCRA. If you do not comply with the instructions of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX XXXX Balance : {$8600.00}
Consumer complaint received 2024-03-31
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)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2023-09-25
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)

Im filing this complaint against experian. This account XXXX XXXXXXXX is fraudulent I will send a police report and identity theft report and a letter from an attorney to show I am a victim of identity theft, Im tired of experian not doing their job, this account is fraudulent if not taking off and deleted I will began my lawsuit against experian, I will send other information to show I am a victim of identity theft, I want this account removed immediately, and block this company that stole my identity, XXXX  XXXX has open these accounts with out my permission and stole my information to do it. Now remove this account from my report before I file this law suit and experian will pay my lawyers fees and damages.
Consumer complaint received 2024-01-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (MD)

Sunday, XX/XX/XXXX - I was trying to purchase XXXX XXXX tickets ( after the concert started ) outside stadium in XXXX, PA. I live in XXXX XXXX, MD. 

I was trying to purchase tickets from an outside vendor ( XXXX ). I had my Chase card linked to XXXX and was trying to use XXXX/Chase to purchase on cellphone. I was repeatedly denied. I had at least three different sets of tickets in the " cart ''. I finally realized my Chase Freedom Visa card was refusing purchase because they thought the charge was fraud ( I guess because of location? ). I switched XXXX XXXX to my XXXX XXXX card and purchase went through seamlessly. The tickets I purchased through XXXX XXXX were {$2300.00}. Keep in mind, each pair of tickets I was trying to purchase was a different price. Demand was high and tickets were rapidly being purchased by others. 

In XXXX, I received a charge for {$2800.00} from Chase that was from XXXX. This was for the concert in XXXX. I was NEVER able to purchase these tickets. I have the cancellation from XXXX and XXXX. They both said purchase was never completed. 

I have been arguing with Chase since this was charged to my account in XXXX. If I look at my Chase disputes, I still have two open cases. When I call to inquire, they say that my dispute has been denied. They claim I received tickets. XXXX has confirmed I only received ONE set ( {$2300.00} amount ). I can not get Chase and XXXX to talk to each other.
Consumer complaint received 2023-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

It has been over thirty days and the creditor has not updated the information nor has provided proof or documentation in regardless to a late payment. They have not supplied this information and they must delete the aleged late payments o my credit report. Under federal law they have thirty days to complete the investigation And by failing to do so my rights have been violated.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

My information was sold and and brought illegally because I was a victim of Equifax database breach I want these items deleted off my credit report effective immediately the proof the Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing Please help me delete these illegal accounts from my credit report
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Central Portfolio Control Inc. (NV)

I hope this finds you well. I am inform you that a 1099-A form has been filed with the appropriate tax authorities, indicating that the property secured under the loan agreement between us has been acquired by you through foreclosure or abandonment. The communication serves as formal notice of the completed transaction. I am upset because everyone I have put on notice have not responded and that is against the law in the postal treaty. 
As a result of the filed 1099-A, I am entitled to seek the refund of any past, present, and current securities, as well as the cancellation of any future debts that may arise from the foreclosure or abandonment of the property. 
I request the discharge of the alleged debt, as all debts, including obligations arising. All debts are pre-paid under XXXX XXXX. As such, they must be discharged using proper forms to meet the obligations set forth by the law.
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

On XX/XX/2024 I sent in letters to the credit bureaus and have yet to hear back from them for reporting inaccurate information to my consumer report. The accounts in question obtain a lot of inaccuracies and according to the FCRA any inaccuracies on a credit profile must be removed immediately. Each accounts shows a different date open amongst the bureaus which would be impossible because how can I open an account on XXXX different days. I feel like I am being taken advantage of and I won't stop fighting this until it's resolved. These inaccuracies are holding up my life and I am prepared to file for litigation if these accounts aren't removed immediately. I was also impacted by the XXXX data breach. The accounts at question do not belong to me and they have yet to provide proof that it does. Thank you in advance for your help with this manner.
Consumer complaint received 2024-03-31
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)

recently reviewed my credit report and noticed an account that was not reporting accurately. i had one late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments I've attached a copy of my report to this complaint on the following dates ( XX/XX/2023 ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late payment. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.