davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

With CItibank, somehow, we were signed up for estatements. We don't do estatements. Never have, never will. Citibank reached to us when the account went 30 days past due. We weren't aware of the estatement situation ( in checking all of those estatements that we didn't sign up for were sent to our junk file ). We have a stellar history with Citibank and have ALWAYS paid them in a timely fashion. 

Now, because Citibank didn't reach out to us until the account was 30 days past due and we were signed up for estatements ( again, something we don't do with ANY creditor ), they reported one past due to our credit. It has damaged our credit and I've had other credit cards reduce our credit ( XXXX XXXX ) by {$2000.00}. Irresponsible behavior by a company and a lack of follow up on their behalf has damaged our credit. I am furious. We spent a lot of time getting our credit rating over XXXX and that has been damaged by Citibank. 

Citibank has been contacted on this issue. They claim we signed up for estatements in XXXX of 2023. Again, we would never do that. Further, Citibank SHOULD have reached out to us before it was 30 days past due ( many companies due in these circumstances ). If you look at our credit history, we have no missed payments. These " accidents '' have long term ramifications for the consumer and it is wrong for them to report it without contacting the customer. 

I have attached the notice from XXXX  XXXX and I want Citibank to reverse this reporting to XXXX or I will pursue legal action.
Consumer complaint received 2017-05-02
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: National Collection Systems, Inc. (IL)

On  XXXX  I was transferred a call from a coworker and it was  XXXX  with  National Credit  management. I asked that she do not contact me at my employers number and she said okay. I then called again on  XXXX  to confir m NCM  will not call my work number again. The gentleman informed me the number was removed and this will not happen again. However again on  XXXX   XXXX  at  XXXX  I received another call on my work number from  National Credit Management. I again called and then sa id it was removed AGAIN.
Consumer complaint received 2017-05-03
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: DISCOVER BANK (UT)

This is an update to a previous complaint filed with  Discover Card  regarding the fraudulent charge place on my Discover card ending in  XXXX  which has been open since  XXXX . In re-opening the case they have once again denied the fraudulent balance transfer in the amount of {$4000.00} dollars and in fact I have come to find out that my signature was in fact forged by a minor child who was  XXXX  years of age at the time. This new information has also been given to  Discover Card  who refuses to acknowledge that they in fact did take and accept a forged check  (  check #  XXXX   XXXX  on   XXXX   and put the charge onto my credit card ending in  XXXX  for which I am the only authorized user and for a card which has remained in my possession only. My first complaint was filed on   XXXX   and was investigated until   XXXX   when I was once again notified that there had been no fraud committed on my card.  Discover Card  as Im learning thinks they are above the law and not responsible for any mishandling of consumer charges or funds. An perfect example of this is when dealing with debt relief agency  Discover Card  is the only credit card company who will not negotiate unlike other credit card companies.  Discover Card  's staff uses scare tactics and intimidation to accomplish a no negotiation even when the error is their own. Im am disgusted with their policies and the manner in which they handle fraudulent claims. They simply deny and fraudulence even when it can be proven. This manner of business is corrupt and should be un-exceptable for any business and or bank.  Discover Card  has failed to use proper checks and balances to prevent fraud but has every policy and procedure in place to protect itself but not the consumer therefore Im updating and once again submitting a complaint against the Card company that thinks it can do no wrong and will not accept any responsibility in improper safeguard and protections to the consumer. Forgery is a crime and for whatever reason  Discover Card  refuses to accept this because that would mean they did something wrong so I do n't know why I even bother wasting my time and words because  Discover Card  does not make mistakes even in criminal situations. They simply deny and fraudulence and therefore are never held accountable for bad business practices.
Consumer complaint received 2024-03-21
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. (LA)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

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 2021-07-31
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. (GA)

I went to my bank to apply for a credit card and was denied. I went home and signed up for one of those credit reporting company and I see accounts on my credit that I dont know nothing about XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. I reached out to the FTC and the police. I really need some help im doing this by myself.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2022-11-23
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$540000.00}, XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX  days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2017-05-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Direct Recovery Services, LLC (CA)

Voice  mail on  XX/XX/2017    about  XXXX  am got a cell voice mail from  XXXX   XXXX  saying the federal state law for  XXXX   XXXX  confidential if this is not the intended person to please hang up, so them the voice mail went on to say that  XXXX   XXXX  has the authorization to collect for creditor and has not heard from me, and if I dont want this to go into a greater problem that it will affect my society security number  I  need to call this number  XXXX  they are in a position to try to rescind this matter or have my attorney call,? they will public my society security to damaged me.         Later about  XXXX  I call back spoke to  XXXX   XXXX  said that I owe about {$640.00} and if I can pay this, I told her no she then said she can discount  XXXX  I still said no I can only pay  XXXX  per month  XXXX  said I can pay with debt card but I will have to set up, so I said I will call back  XX/XX/2017    so I did call back about  XXXX  am at that time I asked her for the company name and address and the business license this is the fair debt collection rights when I asked for this information Mrs.  XXXX   XXXX  said that she could not provide the business license she gave me the company name  Direct Recovery Services , No physical Address Only A Box # I asked if her company had a license to do business in the state of California she said yes, BUT I dont know that. The bottom line is that Mrs.  XXXX  did NOT offer me a Validation Notice so that I can confirm the Legitimate debt from this collector or that I Can dispute the amount she also said that they sent me letter on  XX/XX/2017    to my address which I have never received, I asked for a fax copy she said only E-mail I told her I have no E-mail. I feel that this agency is taking advantage of consumers that dont understand the debt collection practice laws,
Consumer complaint received 2023-06-02
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. (GA)

This account is shown inaccurately on my credit reports In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2023-06-15
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: Experian Information Solutions Inc. (FL)

I am writing to submit an urgent complaint against the credit bureaus, specifically XXXX, EXPERIAN for their persistent failure to conduct due diligence in properly investigating a negative collection item XXXX XXXX XXXX  # XXXX on my credit report. Despite my continuous efforts to dispute the inaccuracies and their impact on my creditworthiness, the credit bureaus have neglected their obligations under the Fair Credit Reporting Act ( FCRA ) and have caused significant financial and emotional distress. 

I initially raised my concerns and initiated the dispute process with the credit bureaus over a year ago, providing detailed explanations and supporting documentation regarding the inaccuracies in the negative collection item. However, despite numerous attempts to rectify the situation, the credit bureaus have continually failed to conduct a proper investigation and provide the necessary documents to address the matter adequately. 

This extended and unresolved dispute process has had severe financial and emotional repercussions for me. Due to the credit bureaus ' inaction, my creditworthiness has been unjustly impacted, resulting in denied credit opportunities, higher interest rates, and limited financial options. Moreover, the prolonged dispute resolution process has caused significant stress, anxiety, and frustration, as I continue to face the consequences of the credit bureaus ' failure to fulfill their legal obligations. 

I firmly believe that the credit bureaus ' persistent non-compliance with the FCRA has directly violated my federally protected rights. Specifically, they have breached the following provisions of the FCRA :
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My account with XXXXXXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX  XXXX XXXX : XXXX, XXXX  XXXX : XXXX, XXXX, XXXX & XXXX : XXXX, XXXX XXXX : XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MN)

I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2022-11-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

Two cases of fraud unresolved. 
1 ) " XXXX '' charges my card every football season for a service I did not sign up for. For 3 years I believe. Maybe 4 years. My credit card company has removed the charge in the past. I asked to have them blocked in XXXX but the charge came back anyway this year. This year they have denied the fraud case. 

XXXX ) A charge for {$200.00} appeared on this month 's bill. Notation said " XXXX. '' I have service with XXXX but I pay by check and have NEVER GIVEN XXXX my card number. I phoned XXXX ; they have no record of this charge. My credit card company has given it Case number : XXXX. 

The credit card company has not given me credit for either of these fraud claims, and don't seem to have a record of the claims being processed.
Consumer complaint received 2022-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

XX/XX/2022 XXXX reported a loss of XXXX points. 

My score dropped from 799 to 790. 

My credit report shows an XXXX XXXX loan as closed on XX/XX/2022. 

The report also shows XXXX XXXX account balance decreasing by {$300.00} from {$300.00} to {$0.00}. 
I have contacted XXXX XXXX to find out what they reported. Their reply was " account was satisfactory paid ''. 
I have contacted XXXX also no explanation. They just take points when they see closed and encourage consumers to leave credit cards open and continue to use them. 
They do not make any difference from when a loan is paid off.
Consumer complaint received 2024-04-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

There is a charge from Bank of America, which they took the security deposit so the card shouldve been paid because thats the whole point of security deposit And that for Bank of America and then they sold the debt off so Im not responsible for it and the XXXX XXXX is not my debt
Consumer complaint received 2024-08-30
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. (FL)

I am XXXX XXXX and am personally handling this complaint with no third-party involvement. Ive included letters that explain in detail the discrepancies on my credit report. There are inaccuracies and inconsistent dates reported across Transunion, XXXX, and XXXX.
Consumer complaint received 2022-11-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I was never been late on these accounts. I always pay my debt on time. I believe this is a mistake reporting. Please check on the following account and update the error on the report.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (GA)

The account they are reporting to my credit report is in accurate. The account in question is a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account. I never lived in the state of New York and thats where they said the account was opened at. Also the name of the account was a different spelling than my legal actual name. I need these accounts removed from my credit report.
Consumer complaint received 2021-04-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C. (CA)

I have disputed this several times thru the credit agencies. On XX/XX/2021 I sent Trident Asset Management a Letter of Verification asking them to give me information about his account. On XX/XX/2021 they send me a bill. They never sent me and type of proof that this account is mine, because it is not.