davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-21
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: EQUIFAX, INC. (TX)

This is my 3rd Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.
Consumer complaint received 2024-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc. (AK)

I was over charged on XX/XX/year> XXXX from XXXX XXXX Desk. Cash app told me after XXXX  days the pending charges would drop. On the XXXX  day after calling they ended up charging me anyway. I looked on the statements for that month I still have pending charges. XX/XX/year> for XXXX XXXX XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX and the main reason for complaint is XXXX XXXX XXXX XXXX AND WHY IS MY XXXX XXXX NEGATIVE XXXX
Consumer complaint received 2023-05-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc. (SC)

This complaint against the Bureau was previously closed. Please re-open this complaint XXXX. In reviewing the invoices that this company attached these invoices belong to a XXXX XXXX in XXXX Florida. Please review the invoices attached that the company attached to the complaint. The address is XXXX XXXX XXXX XXXX Florida XXXX. I never lived in Florida.
Consumer complaint received 2023-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

I filed an complaint with there fraud department due to an incident where the was an overdraft on my checking and savings accounts. The bank never notified me, I went into the branch the next XXXX  and spoke with someone over the phone and they took my information but blame me for the overdraft. This incident took place around XXXX or XXXX of XXXX.
Consumer complaint received 2024-03-19
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)

I looked at my report back on XX/XX/2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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. These accounts XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX are not complete and accurate. Open date is not reporting correctly, date last active, date of last payment is not correct, these accounts are not accurate
Consumer complaint received 2023-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

This complaint is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act., 15 USC 1692G ( Section 809 ) that your claim is disputed, and validation is requested. I must demand proof of this debt, specifically the alleged contract or any other instrument bearing my signature, as well as proof of your authority in this matter. Absent of such proof, you must correct any erroneous reports of this past debt as mine. I ask you to provide the following information 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( F ) in this alleged matter? 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state? 5. Please evidence proof of the alleged debt, specifically the alleged contract or other instruments bearing my signature? 6. Please provide a complete account history, including any charges added to this collection agency or any account? 7. List of all names and contact information of all employees that was spoke to regarding this account or collection? You have thirty ( 30 ) days from the receipt of this notice to respond. Your failure to response, on point in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume you have placed this on my credit report in error and that this matter is permanently closed. Provide the proof or correct the record and remove this invalid debt from all sources to which you have reported it. For the purpose of 15 USC 1692 et seq, this notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be deemed necessary. This is a request for information only, and is not a statement, election or waiver of status XXXX XXXX
Consumer complaint received 2024-03-19
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. (MD)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-19
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 disputed a late payment that was reported on my credit report. The account was from XXXX XXXX XXXX XXXX. It was late payment from XX/XX/2023. That account was on automatic payments and should not have been marked as late. I have disputed this and it was reaffirmed.
Consumer complaint received 2023-06-07
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. (GA)

I have an inaccurate account furnishing on my credit report. It is canceled debt, the company in question had filed on their taxes. But they are also reporting on my credit report as debt. This company was also suppose to send me a 1099C form to file ordinary income. Now this is a VIOLATION of 15 USC 1681eb. Maximum possible accuracy of the information on my report. It MUST BE DELETED IMMEDIATELY! The account is XXXX i want this account removed IMMEDIATELY. It is vital to my well being and my livelihood that my credit report is correct. 

Unauthorized items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-13
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Conn's, Inc. (TX)

They would not work with me on the debt then I told them I wanted to pay XXXX because I had to pay rent and take care of my kids they refused and got a lawyer would not listen to me. I got the XXXX kids thats is a fact
Consumer complaint received 2023-05-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Penn Credit Corporation (OH)

When the company calls they call from different numbers an I told them I dont know anything about this bill they tell me I owe an they keep sends me bills an call my phone I had change my number because they call so much some days I felt like I was there full time job call me at XXXX XXXX XXXX XXXX to almost XXXX XXXX XXXX then why Im on the phone I hear people in back ground one time I though I heard a kid crying they tell me that they can take my car an get money out my bank account an that my credit going stay mess up I never be able To own anything I need to pay this amount in full today if I cant pay full I need to put something down on this bill today an I check my credit report it says it open this year but I have open anything this year I got scared that I put freeze on my credit report
Consumer complaint received 2023-11-08
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. (NY)

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00}.
Consumer complaint received 2023-04-21
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$0.00}
Consumer complaint received 2023-02-22
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

Account # XXXX XXXX XXXX XXXX I have had a credit card with XXXX XXXX XXXX for many years now. We use it to buy new tires for our vehicles, as they offer a 0 % interest rate. 

In XX/XX/2023, I paid off the balance, as the 0 % promotional interest rate was going to end on my tire purchase.. Apparently XXXX XXXX has switched credit card companies now to I believe Comenity. Even though I paid the balance of {$180.00}, they apparently charged me the entire year 's interest the day the payment cleared. They did not clear the payment til a few days after I submitted it, which was after the payment due date. We were on vacation for the XXXX XXXXXXXX XXXX holiday so I paid it online. 

I have never had a 0 % interest card add the componded interest for the entire 12 months, when the 0 % promotional period was over. When I try to call, the customer service representative is in another XXXX and does not understand what I am asking. It was also quite noisy in the background. I also found out when they switched banks handling their credit cards, my account was closed last year and I was never told. I have tried emailing their customer service and mailed a letter to their address in XXXX XXXX, SD and receive no response on waiving the now {$340.00} balance. I also reached out to the XXXX XXXX XXXX  and XXXX XXXX has not responded to their inquiry either.
Consumer complaint received 2024-03-19
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)

Experian is obligated by the FCRA to report accurate accounting. Consumer has advised ALL the charge offs reported are fraud, and said company had 4 days according to law to remove such items. Consumer is now requesting EXPERIAN to provide documentation used to determine charge offs are allowed to be reported to consumer 's report. Every debt is considered income because it is a security. According to the IRS PUBLICATION a charge off is considered income, so how is income being reported to my credit report? The companies listed filed a 1099-C which is also considered a security and yet this income is being reported to my credit report hindering my credit worthiness. EXPERIAN has 15 days to provide me with documentation stating charge offs are allowed to be reported on a consumer 's report, as well as the name of the person spoken to that verified these accounts. If EXPERIAN does not have documentation to prove otherwise, the accounts must be removed asap. Said company is liable under the SEC to follow certain rules. EXPERIAN Commission file number XXXX, XXXX XXXX. XXXX XXXX XXXX. I will be filing form XXXX treasury omb forms to audit consumer 's account. EXPERIAN is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NTO CONSUMER REPORT.
Consumer complaint received 2024-05-13
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 I.C. SYSTEM, INC ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX has violated my rights. ALSO FALSLEY REPORTING A DEBT THATS NOT MINE.
Consumer complaint received 2023-07-09
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: TD BANK US HOLDING COMPANY (NY)

I have reported to all three credit bureaus, XXXX XXXX, XXXX, and XXXX that this account is over XXXX years old. This account should have been deleted as of XX/XX/1923 ones. Ive contacted all of the credit bureaus inquiring on the deletion of this account at that point target made the account a collection.
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Early Warning Services, LLC (PA)

Closed accounts with XXXX  XXXX XXXX on XX/XX/2013. The accounts are more than 7 years old. XXXX is reporting incorrect closing date, phone number and address to Early Warning Services. I've called XXXX customer service on several occasions in attempt to correct the information but it has yet to be resolved
Consumer complaint received 2023-06-07
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. (VA)

I hope this letter finds you well. My name is XXXX XXXX, a federally protected consumer. I am writing to inform you that I have recently discovered that I am a victim of identity theft. After returning from a XXXX in XXXX with my wife, I was shocked to find that my credit has been severely compromised. The past seven years have been spent abroad, making it unnecessary for me to utilize American banks. However, upon returning and checking my credit report, I discovered various fraudulent activities, including unauthorized addresses, a different social security number attached to my consumer report, and unfamiliar names. 

I am deeply concerned about the impact this identity theft has had on my creditworthiness, particularly as it is hindering my ability to provide a stable home for my family. We are currently unable to purchase a house due to the presence of these fraudulent accounts on my credit report. 

To support my claim, I have attached a copy of the police report and the identity theft report, both of which detail the fraudulent activities I have encountered. I kindly request that you thoroughly investigate the matter and take immediate action to remove all fraudulent information from my credit report within four business days. 

Below is a list of the fraudulent accounts that need to be addressed : XXXX. XXXX - Account Number : XXXX XXXX. XXXX - Account Number : XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX - Account Number : XXXX XXXX. XXXX XXXX - Account Number : XXXX XXXX. XXXXXXXX XXXX - Account Number : XXXX XXXX. XXXX XXXX XXXX - Account Number : XXXX XXXX. XXXX XXXXXXXX XXXX XXXX  - Account Number : XXXX XXXX. XXXX XXXX, XXXX. - Account Number : XXXX XXXX. XXXX - Account Number : XXXX XXXX. XXXX XXXX XXXX - Account Number : XXXX XXXX. XXXX XXXX XXXX - Account Number : XXXX & XXXX Additionally, I would like to bring to your attention the following fraudulent address and social security number associated with my consumer report : Fraud Address : XXXX XXXX XXXX, XXXX, MI XXXX Fraudulent Social Security Number : XXXX I kindly request that you provide a genuine response to this matter, considering the urgency and severity of the situation. Please ensure that the response is not an automated or generic response from e-oscar. 

I appreciate your immediate attention to this matter and your cooperation in resolving this identity theft issue promptly. Should you require any additional information or documentation, please do not hesitate to contact me at the provided contact details. 

Thank you for your understanding and assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-19
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. (WI)

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 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (FL)

Upon purchasing hearing aid devices from XXXX XXXX in XXXX XXXX, I paid part cash and the retailer approved me for a CareCredit account with no interest for 24 months from the date of purchase. One year later, I received an interest change upwards of 40 % of my balance. The agreement that I signed at the retailer is for 24 months, no interest. 
I wrote a letter to CareCredit and they have not responded as to why the agreement changed from 24 months to 12 months. I went back to the retailer ( XXXX XXXX ) to explain the issue and they confirmed that I had signed up for 24 months, no interest. 
I sent the paperwork that I had to Carecredit confirming that I signed up for 24 months and they did not respond to my request to fix the interest rate. They are denying that I signed up for 24 months interest free account, the retailer and myself has the paperwork stating this is what I signed up for. Carecredit who processes through Synchrony Bank will not fix the issue. I would like the interest to be adjusted per agreement that I signed upon purchasing the hearing aid devices. I can not afford to pay for an attorney to handle this issue for me and would like guidance on how to rectify this situation.
Consumer complaint received 2024-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (KS)

Citibank sent my debit card to the incorrect address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The correct address is XXXX XXXX XXXX XXXX XXXX XXXX. Since I do not have a debit card, I was unable to enter a PIN to authorize an electronic transfer because there is no PIN set. I have now been locked out of my account and can not login online. Due to this, I can not access the account number. Support is unhelpful in this and asks for paper statements- even though Citi does not offer paper statements to their customers.
Consumer complaint received 2023-06-07
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. (CO)

XX/XX/XXXX After being denied credit I called Experian. I discovered my credit file had 2 Pins attached to it and was advised that was probably the source of creditors turning me down due to not being able to access my file ; it should only be 1 unique PIN associated.

The above issue was the catalyst for my noticing 2 fraudulent inquiries on my credit file. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX ( I've never done business with this company ) XXXX. XXXX XX/XX/XXXX I advised Experian Rep to dispute the fraudulent transactions and place a fraud alert on my credit file immediately.