davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-30
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. (IN)

Inaccurate Credit Reporting ( 15 USC 16812 ) I am writing the letter to inform you that I have notified the credt bureau of misreporting by your company in accordance with the Fair Credit Reporting Act. Accoring to which, as the furnither of the aiormation in question, you have a grave responsibility of maintaining the accuracy of that information. 

The following account XXXX XXXX XXXX : XXXX Is showing a balance of Experian : {$23000.00} XXXX : {$23000.00} XXXX : {$23000.00} XXXX XXXX XXXX : XXXX Is showing a balance of Experian : {$850.00} XXXX : {$850.00} XXXX : {$850.00} XXXX XXXX XXXX : XXXX Is showing a balance of Experian : {$2000.00} XXXX : {$2000.00} XXXX : {$2000.00} When it is my understanding a reason to believe that because this debt was charged off by you that is was memorialized with a Form 1099C as proof or evidence thereof. And because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing amounts of The following account XXXX XXXX XXXX : XXXX Is showing a balance of Experian : {$23000.00} XXXX : {$23000.00} XXXX : {$23000.00} XXXX XXXX XXXX : XXXX Is showing a balance of Experian : {$850.00} XXXX : {$850.00} XXXX : {$850.00} XXXX XXXX XXXX : XXXX Is showing a balance of Experian : {$2000.00} XXXX : {$2000.00} XXXX : {$2000.00} This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. 

Especially with the actual knowledge notice and confirmation of the errors. 

Please provide me with the return of the time and form as prescribed by regulation or the summary of my name, my tin, the date, and the amount of the discharged/charged off debt as prescribed by the secretary. Then I demand that the account be removed from my credit report asap.
Consumer complaint received 2023-06-20
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 HAVE BEEN A VICTIM OF IDENTITY THEFT AND FRAUDULENT INFORMATION CONTINUES TO APPEAR ON MY CREDIT. THE FRAUDULENT ITEMS ARE AS FOLLOWS : XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) ( XXXX ) - XXXX XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX
Consumer complaint received 2024-03-16
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (FL)

Financial Institution : Comenity Capital Bank Product/Service : Credit Card ( Dell Financial Services Account ) Issue : Dispute of Financial Charges Due to Account Transfer and Autopay Cancellation Details of the Complaint : I am filing this complaint to dispute financial charges applied to my account associated with Dell Financial Services , managed by Comenity Capital Bank . This dispute concerns a total accrued interest charge stemming from an account transfer that inadvertently canceled my autopay setup, leading to unforeseen charges.

Timeline and Actions Taken : Up until XX/XX/2023 : I have been a diligent customer, making consistent payments and covering 98 % of my loan over 11 months through an autopay system. 

Recent Account Transfer : Without initiating the transfer myself, my account was transferred, which unexpectedly canceled the autopay and left a remaining balance of {$61.00}. 

Charge Incurred : Following this, I was charged a total promotional accrued interest of {$390.00}, as detailed in the statement dated XX/XX/2023. This charge appears to be for the full promotional period, despite nearly complete payment and the balance 's insignificant amount due to the administrative changes beyond my control. 

Customer Service Attempts : I have attempted to resolve this issue through customer service but faced long wait times and disconnections. The responses received acknowledged the automatic payment cancellation as an unintended result of the account transfer but did not offer a satisfactory resolution. 

Specific Disputes : Total Accrued Interest Charge : {$390.00}, which I find unreasonable given the circumstances surrounding the account transfer and autopay cancellation.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AZ)

'm contacting you to dispute the inclusion of this bankruptcy on my credit report. The situation is extremely worrying as I have documentation from the court explicitly stating that this bankruptcy should not be reflected in your records. Furthermore, the involvement of an unauthorized third party increases the ridiculousness of this scenario.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-17
Product: Student loan — Private student loan
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Navient Solutions, LLC. (NC)

Navient did not provide proper disclosure on this account. Per the FCRA and per 15 USC 6802 Obligations with respect to disclosures of personal information, Navient did not follow those procedures. Navient is also violating The Privacy Act. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual. I did not give Navient or Sallie Mae written consent.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

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 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-12-12
Product: Credit card — Store credit 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: CITIBANK, N.A. (CA)

My Best buy credit company did not adding my first payment for initial purchase {$780.00} from XX/XX/XXXX to my payment records for two month. this purchase money I suppose to paid off in 18 months with 0 % rate. I did my first payment in advance in 13 days of of {$67.00} on XX/XX/XXXX for XXXX pay period but they didn't reporting this transaction till XXXX pay period statement, XX/XX/XXXX. They combined it with my second payment {$60.00} in XXXX XX/XX/XXXX as one {$120.00} transaction and wrongly classified as one late payment. 
By doing this unlawful payment manipulation they ruined my payment history and announced majority of my payments as being late even all payment done in advance 13-28 days. 
Even I paid in advance in full in 12 month instead of 18 Best buy credit company forcing me to pay extra {$990.00} and threatening my with bad credit history. I am adding my all payments history below.
Consumer complaint received 2023-12-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

XX/XX/XXXX - XX/XX/XXXX Transactions sent by XXXX XXXX and XXXX {$15000.00} I called my bank and XXXX and told them the situation and how I was being forced and threatened by this person and no one helped me
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Recently, I did an investigation on my credit report which caused serve XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 


In accordance with Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 


The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However how is this true when there are several inaccuracies showing on my report? 


As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S. Code 168i ( 7 ) Method of verification- Description of reinvestigation procedure.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation (NY)

The card reported me to credit bureaus for late payment and everything was paid. 

XXXXFORTIVA MC 90 days past due as of XXXX XXXX  XXXX XXXX XXXX XXXX past due as of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like the late payment information to be taken from the credit bureaus. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-12
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. (TX)

XXXX XXXX, XXXX XXXX XXXX XXXX, Last 4 of XXXX XXXX, XXXX I recently received a copy of my credit report and found that you are illegally reporting inaccurate and false information about me. The following alleged account is listed as a Collection with a PAST DUE BALANCE of {$330.00}. 
XXXX XXXX XXXX XXXXXXXX This is a violation of the FCRA and is also in violation of requisite XXXX XXXX Compliant reporting standards. 
According to the FCRA I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, and verifiable. Please remove this inaccurate account information IMMEDIATELY from my credit report and send the updated report showing your compliance with all FCRA laws and XXXX XXXX Reporting Standards as well as this account removed. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-12-05
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. (FL)

I am writing to address a matter of utmost importance regarding my credit report, specifically pertaining to billing errors under 15 U.S. Code 1666 ( b ) ( 4 ) and ( 5 ), as outlined below : ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. Upon reviewing my credit report, it has come to my attention that there are multiple billing errors on my accounts, and I suspect a violation of 15 U.S. Code 1666 ( b ). As per my understanding, the creditor failed to notify me 21 days before  with a statement, and as a result, there should be no late payments reflected on these accounts. I am formally requesting hard, solid proof from your institution 's records demonstrating that I did not make a payment and was consequently marked as late, as this appears to be a billing error. 

The specific account details in question are as follows : Account Name : XXXX Account Number : XXXX Late Payment Date : XX/XX/ I insist that these items be promptly updated on my consumer report to reflect the accurate status of " paid as agreed. '' It is my right as a consumer under the law, and I expect compliance within a reasonable timeframe. 

If these accounts are not updated or deleted immediately, I want to make it clear that I reserve the right to seek monetary compensation for the violation of my rights under 15 USC 1681n civil liability. I am prepared to pursue legal action in small claims court in my city and state. 

Furthermore, I have taken the initiative to involve relevant authorities by filing a complaint through the Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. This matter is of great concern, and I trust that your institution will address it promptly and rectify the inaccuracies on my credit report. 

I anticipate your swift attention to this matter and a resolution within the statutory time frames.
Consumer complaint received 2024-02-17
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: SYNCHRONY FINANCIAL (MI)

To Whom It May Concern, I paid {$1100.00} with Sams Club XXXX XXXX for a round trip ticket for my mother from XXXX  on XX/XX/2023 and the service wasn't done on the due date XX/XX/2023. I waited until that date as I had paid for to confirm the flight for my mother, but the travel agency failed to do so and kept on canceling the flight ticket. Then XXXX called me on that day in the morning, and told me that the XXXX XXXX XXXX XXXX didnt pay for the return flight back to the XXXX and they also told me to talk to them. So we proceeded to call XXXX XXXX ( XXXX XXXX XXXX XXXX ) and no one bothered to answer the phone. So as a result, my mother was unable to return home on that designated day and time. What I did next was buy t another flight ticket of {$720.00} XXXX mastercard on XXXX XXXX so my mother could return home to the states. We bought the flight ticket directly from XXXX this time because we didn't want to get scammed again from another XXXXXXXX XXXX XXXX  This caused me to waste more money because XXXX XXXX was supposed to do their job by giving my mother the accurate return flight ticket. As I mentioned previously, XXXX XXXX charged me for a round trip ticket, not a one way ticket, and they pretty much tricked us by selling us a one way ticket instead of the round trip one. If i would have known that XXXX XXXX were a XXXX XXXX XXXX XXXX i would have never bought a flight ticket from them to begin with. I fell victim to their lies and scamming, and will never ever do any business with them in the near future. 
XXXX XXXX has scammed us of money and as a result this has made me very depressed and stressed out. It has been very hard to sleep at night and to complete my day to day activities knowing that they scammed me of money and that the credit card company still continues to not help me and tells me to sort out the issue with XXXX XXXX. As I mentioned in the previous paragraph, I will never purchase another flight ticket from them again. 
This XXXX XXXXXXXX XXXX XXXX also told me that they signed an agreement with me but how is it considered an agreement when they did not complete the job on their end of the bargain by bringing my mother back to the XXXX. I don't want my hard earned money falling into the hands of scammers, so I ask you to please help me and dont give these criminals my money. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: M&T BANK CORPORATION (AZ)

Guess there was a mix-up at my bank. I always pay in advance, until XX/XX/XXXX. I have been past due for the last XXXX  months, but only XXXX to XXXX  days ( thinking I was paying in advance ). I was never notified by the bank, text, email, phone call, or letter... nothing for XXXX  months that my account was past due. I got an alert from my bank stating a new past due account was posted to my credit... What??? I still have not received any notice from M & T about being past due. I called, explained the mix-up, and they refuse to remove the late payment from my credit. Mind you, this account has never been past due or even close. I should have been notified in XX/XX/year>, but there was nothing from M & T. I should have been notified they were going to report me before they did!
Consumer complaint received 2021-01-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Original issue starting XX/XX/XXXX ( file of interactions attached ) : I have been a mortgage holder with Citizens Bank ( aka CitizensOne ) for 3 homes, multiple mortgages, and 10+ years. Upon refinancing my existing 3+ year old loan with Citizens in XX/XX/XXXX everything seemed be in fair order and payments have been applied on time throughout. However, after closer examination in XXXX I noticed my escrow balance was unusually high. Upon further investigation I noticed Citizens DID NOT pay out my school property tax as scheduled in XXXX. The repercussion of not paying then is a loss of a 2 % discount fee. I started contacting Citizens on XX/XX/XXXX explaining that if this went unpaid past XX/XX/XXXX it would be an additional 10 % penalty. I have had 18 interactions involving mostly Citizens ( 12 ), local taxing authority, school district, and attorney 's offices confirming this is an issue with Citizens and it should be paid. I'm now receiving delinquency letters from the taxing authority that if not paid by XX/XX/XXXX I am in default. This could result in a lien on my home. This entire situation has been entirely unacceptable as my escrow is fully funded and has paid this tax year-over-year in XXXX successfully. I am seeking immediate payment of my property tax for which only the discount fee which would have been charged in XXXX is billed from my escrow, and any remainder due paid on behalf of the bank as it is their error. I will then not only be removing any and all business from the bank, but encouraging others to do so as well unless this is resolved with a highly satisfactory and timely result. 

Update as of XXXX : Confirmed property tax now paid and penalty portion paid by Citizens, but not until after 42 interactions and over 40 hours of my time consumed over the past 2-months to resolve. 

New issue as of XXXX : Upon confirmation of payment of my taxes I logged into my account both on mobile and web after noticing my XXXX payment had not been deducted from my bank account as scheduled in auto draft. Both the web and mobile interfaces showed my account as " past due '' with no record of auto draft in place. Thus, I paid the XXXX payment directly through mobile app. As of XXXX, when I log in it's now showing me as having auto draft payment and two payments processed with a next payment due XXXX and auto draft XXXX. I do not wish to have two mortgage payments paid. The customer service line does not give option to speak with a representative and the earliest call back available in the auto prompt is nearly a week away from today on Monday, XX/XX/XXXX. I have escalated with the contact person I worked with on the tax issue in the " Office of the Chairman '' XXXX XXXX. I called her first yesterday, XXXX with no response. After multiple tries today I got a hold of her and she said she would look into it. 

The mortgage servicing experience has been dreadful with Citizens and I hope it is rectified for future customers.
Consumer complaint received 2023-07-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (TX)

I have no idea what or who credence RM is and this is defamation of character i would like this debt removed under act [ 15 U.S.C. 1681 ] I'm trying to purchase a house and this is negatively affecting my score
Consumer complaint received 2024-03-29
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. (NC)

XXXX XXXX ( XX/XX/XXXX ) was an inquiry not authorized & 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 an 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.