davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-30
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. (OH)

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C. 1661 section 602A. States I have the right to privacy 15 U.S.C. 1661 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus look more than 30 days to complete my investigation here my certified tracking number
Consumer complaint received 2022-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: U.S. BANCORP (AZ)

Due to a medical  problem I fell behind on my payments of course I now have late fees on all my cards. I have at least three card companies that are calling me daily and they call at least three times an hour and up to four times a day! So, I get XXXX  calls daily.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (FL)

Best Buy/Citi Bank Credit card is violating a lot of my consumer rights to begin Best Buy and myself are currently under a billing error dispute by law Best Buy/CIti Bank should not be reporting any negative items on my consumer file. Such s late payments as of XX/XX/2024 Best Buy /Citi Bank are reporting late paymentsAccording to 15 US Code 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. 
15 US Code 1681A ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; It is imperative that my consumer rights are respected and that all reported information accurately reflects my credit history.
Consumer complaint received 2022-05-30
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. (VA)

I have sent Experian several disputes as to them matching me to a bankruptcy that does not belong to me. And they keep sending information stating they verified it through XXXX XXXX and other third party agencies, but have it listed on the credit report they receive this information from the bankruptcy court I have asked them several times to send me information from the Court that verified this and they have failed to do so. XXXX told me to contact Experian in regards to this and Experian tells me contact XXXX just running me back and forth I have no accounts in my credit file that are in bankruptcy. This is really harming my credit and the also in violation of the FCRA with reporting inaccurate information that has not been verified. My next step is to file a civil suit if Experian fails to remove this from my public records immediately.
Consumer complaint received 2022-05-30
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc ()

I created a paypal account and got it verified. I was new to paypal and didn't knew much about business account/personal account. 
Initially it was set up as a personal account but I wanted the paypal to act as a payment method for my freelancing sO I thought it should be categorised as business account and I changed it from personal to business account got it set up with bank and all etc. It said now my account is ready to use it was after 4 days of account creation. 
Just to check whether my account is working or not I asked my friend to send me some money on paypal and I requested him for XXXX but then just instantly I got a mail saying 'you can no longer do business with paypal ' I tried contacting the customer service but they were like 'Our decision is final " I haven't even done anything suspicious but still blocked me from PayPal entirely and now they don't even want to hear my side of the story.
Consumer complaint received 2022-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

The following account came from a approval of a specific extension of credit that I provided a non negotiable instrument for payment. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The following account came from a approval of a specific extension of credit that I provided a non negotiable instrument for payment. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-05-30
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: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

IXXXX XXXX XXXX XXXX : XXXX, has violated my rights. 

XXXX XXXXXXXX XXXX  : XXXX, has violated my rights. 

XXXX XXXX XXXX : XXXX, has violated my rights. 

XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ) : XXXX, has violated my rights. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) : XXXX, has violated my rights. 

XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) : XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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.
Consumer complaint received 2022-05-30
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. (MN)

I have been attempting to get a collection account removed from my credit report since around XXXX or XX/XX/2022. There were 2 inaccurate accounts and one was removed, but these Credit Bureaus have failed to notify me of why the other one hasn't been deleted. Their investigation has taken more than 30 days, and they are willfully allowing Identity Theft inaccurate information to remain on my reports and damage my credit score. 

I am legally entitled to have this account listed as XXXX, removed. 
XXXX XXXX XXXX collection account listed says I owe {$2500.00} yet no one has furnished any proof bearing my signature not any other type of validation or verification. 

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. 

I need this removed immediately. Equifax and XXXX are not complying with the Federal Credit Reporting Laws. 

I have been trying for months and the laws are being violated that they, credit bureau, should be abiding by. They haven't provided proof or anything in the legal timeframe. It can't be verified because obviously it's not something I did or owe.
Consumer complaint received 2019-06-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (PA)

I was shocked when reviewing my credit report and found recent late payments on the dates below : 30 days late as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and 60 days late in XX/XX/XXXX. 

I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.
Consumer complaint received 2017-07-26
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: NCC Business Services, Inc. (GA)

I submitted a dispute letter to XXXX advising that the debt reported for {$200.00} by NCC Business Service was fraudulent and that I am a victim of identity theft. I was originally made aware of my identity being used back in 2013 when someone filed a tax return under my social security number, name and other personal information. I filed a police report in XXXX, GA at this time. I submitted this proof to XXXX and also to NCC Business and have also completed an identity theft affidavit along with my driver license and notarized statement. However XXXX continues to report this derogatory information on my credit file. I spoke with XXXX at XXXX fraud department and expressed that I have never done business with the original credit XXXX XXXX and they this is a fraudulent crime. I have also requested validation of this debt from XXXX in which they have not provided. Please see attachments that were submitted to XXXX and NCC Business Services.
Consumer complaint received 2022-05-30
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I am disputing my XXXX credit reports of misinformation, inaccurate amounts, some information on reports that doesn't apply to me as the consumer but someone else with similar or same name. Never given the opportunity to correct the debts in question before it was sent to credit bureaus.
Consumer complaint received 2017-07-26
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Van Ru Credit Corporation (OH)

needs to delete this account from my credit report and stop all contact with me.Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also have the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST.
Consumer complaint received 2022-05-30
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 HAVE NEVER AGVE AUTHORIZATION PURUSANT TO 15 USC 1681 B, 168a4. 

AT THIS TIME XXXX XXXX XXXX HAS BEEN CANCELED, THUS CANCELING THEIR SECURITY INTEREST IN THE VEHICLE. XXXX XXXX XXXX XXXX CLAIMS THEY ARE THE XXXX  HOLDER HOWEVER, XXXX XXXX XXXX HAS ALREADY CONFIRMED THEY ARE THE TRUE LIEN HOLDER AND WITH THE REQUEST TO CANCEL A PRODUCT I NEVER AGREED TO. 
I am well aware of the fraud and will to continue to pursue the matter. XXXX XXXX CLAIMS THEY ARE ABLE TO REPORT A DEBT THAT HAS NOT BEEN PAID HOWEVER WAS IN FACT PAID AT THE DEALERSHIP UPON THE ISSUANCE OF VALUE BY APPLICATION BY APPLICANT and a credit application only utilizing my on credit to purchase a vehicle. 
ENTERING A CONSUMER TRANSACTION MEANS I AM ENTERING A CREDIT AGREEMENT, NOT LAON AGREEMENT NOT SALE AGREEMENT. THE RESELLING OF MY CREDIT APPLICATION DOES NOT SUFFICE AS A VALID '' DEBT '' BY WILLFUL FRAUD AND COPYRIGHT INFRINGEMENT FROM A NAME IN TRADE. I HAVE REQUEST ALL PAYMENTs MADE TO XXXX be refunded to me the consumer. DUE TO THE BREACH OF PERFORMANCE AND FRAUDULENT REPORTING OF MY CONSUMER REPROT AND PRIATE INFORMATION. 1 ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NO LONGER HAS SECURITY INTEREST. 2 ) MY VEHICLE HAS ALREADY BEEN PAID, IF NOT SHOW THE LEDGER BOOKS PROVING THE UNBALANCE, OR PRODCE THE ORIGINAL CONTRACT NO COPIES. 3 ) XXXX XXXX XXXX  IS THE TRUE LIEN HOLDER. XXXX STILL HAS NOT PROVED HOW OR WHAT WRITTEN CONSENT THEY HAD TO REPORT ANYTHING ON MY CONSUMER REPORT. I HAVE NEVER GAVE AUTHORIZATION PURSUANT TO 15 USC 1681 B, 168a4. a so called delinquent debt is by no way a reason and pursuant to consumer law to report anything on a consumer report. Acquiring my information is regulated by consumer law as well as the duties of each company to comply. XXXX XXXX XXXX XXXX shall delete all accounts reporting fraudulently on my consumer reports with, Experian, XXXX, and XXXX. XXXX WILL CLAIM THERE IS A DEBT AND THEY HAVE EVERY RIGHT TO REPORT WHEN IN FACT THEY DO NOT, AND STILL HAS NOT PROVIDED MY WRITTEN CONSENT TO DO SUCH. AN FTC REPROT HAS BEEN FILIED FOR IDENTITY THEFT, COPYRIGHT INFRINGEMENT, ILLICIT FRAUD, AD DEFAMATION. ARBITRATION WILL FOLLOW. ALL CONTRACTS ARE VOID DUE TO THE NON PERFORMANCE OF DELIVERING THE " NOTICE OF RIGHT TO CANCEL '' TO CONSUMER AFTER THE ACQUISITION OF A VEHICLE. PAID BY CREDIT OF THE CONSUMER. ABNSK CAN NOT LOAN MONEY " 12 US CODE 1431 '' POWERS AND THE DUTIES OF BANKS. THE TRUTH IN LENDING ACT, THE TRUST ALL CONFIRMS MY CONSUMER RIGHTS. XXXX XXXX HAS ALASO CONFIRMED OF THE RESELLING OF MY INFORMATION AND THAT THEY HAVE RMEOVED MY DATA FROM THEIR PORTALS. IN ADDITION TO CONTACT THESE THREE BUREAUS TO HAVE THEM REMOVE THE SAME DATA, HOWEVER HAS NOT UPDATED AND BEEN REMOVED. XXXX XXXX XXXX XXXX ACCOUNT - {$17000.00}.
Consumer complaint received 2022-05-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX has violated my rights . 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish
Consumer complaint received 2022-05-30
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. (FL)

I HAVE NEVER AGVE AUTHORIZATION PURUSANT TO 15 USC 1681 B, 168a4. 

AT THIS TIME XXXX XXXX XXXX HAS BEEN CANCELED, THUS CANCELING THEIR SECURITY INTEREST IN THE VEHICLE. XXXX XXXX XXXX XXXX CLAIMS THEY ARE THE LIEN HOLDER HOWEVER, XXXX XXXX XXXX HAS ALREADY CONFIRMED THEY ARE THE TRUE LIEN HOLDER AND WITH THE REQUEST TO CANCEL A PRODUCT I NEVER AGREED TO. 
I am well aware of the fraud and will to continue to pursue the matter. XXXX XXXX CLAIMS THEY ARE ABLE TO REPORT A DEBT THAT HAS NOT BEEN PAID HOWEVER WAS IN FACT PAID AT THE DEALERSHIP UPON THE ISSUANCE OF VALUE BY APPLICATION BY APPLICANT and a credit application only utilizing my on credit to purchase a vehicle. 
ENTERING A CONSUMER TRANSACTION MEANS I AM ENTERING A CREDIT AGREEMENT, NOT LAON AGREEMENT NOT SALE AGREEMENT. THE RESELLING OF MY CREDIT APPLICATION DOES NOT SUFFICE AS A VALID '' DEBT '' BY WILLFUL FRAUD AND COPYRIGHT INFRINGEMENT FROM A NAME IN TRADE. I HAVE REQUEST ALL PAYMENTs MADE TO XXXX be refunded to me the consumer. DUE TO THE BREACH OF PERFORMANCE AND FRAUDULENT REPORTING OF MY CONSUMER REPROT AND PRIATE INFORMATION. 1 ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NO LONGER HAS SECURITY INTEREST. 2 ) MY VEHICLE HAS ALREADY BEEN PAID, IF NOT SHOW THE LEDGER BOOKS PROVING THE UNBALANCE, OR PRODCE THE ORIGINAL CONTRACT NO COPIES. 3 ) XXXX XXXX XXXX  IS THE TRUE LIEN HOLDER. XXXX STILL HAS NOT PROVED HOW OR WHAT WRITTEN CONSENT THEY HAD TO REPORT ANYTHING ON MY CONSUMER REPORT. I HAVE NEVER GAVE AUTHORIZATION PURSUANT TO 15 USC 1681 B, 168a4. a so called delinquent debt is by no way a reason and pursuant to consumer law to report anything on a consumer report. Acquiring my information is regulated by consumer law as well as the duties of each company to comply. XXXX XXXX XXXX XXXX shall delete all accounts reporting fraudulently on my consumer reports with, XXXX, equifax, and XXXX. XXXX WILL CLAIM THERE IS A DEBT AND THEY HAVE EVERY RIGHT TO REPORT WHEN IN FACT THEY DO NOT, AND STILL HAS NOT PROVIDED MY WRITTEN CONSENT TO DO SUCH. AN FTC REPROT HAS BEEN FILIED FOR IDENTITY THEFT, COPYRIGHT INFRINGEMENT, ILLICIT FRAUD, AD DEFAMATION. ARBITRATION WILL FOLLOW. ALL CONTRACTS ARE VOID DUE TO THE NON PERFORMANCE OF DELIVERING THE " NOTICE OF RIGHT TO CANCEL '' TO CONSUMER AFTER THE ACQUISITION OF A VEHICLE. PAID BY CREDIT OF THE CONSUMER. ABNSK CAN NOT LOAN MONEY " 12 US CODE 1431 '' POWERS AND THE DUTIES OF BANKS. THE TRUTH IN LENDING ACT, THE TRUST ALL CONFIRMS MY CONSUMER RIGHTS. XXXX XXXX HAS ALASO CONFIRMED OF THE RESELLING OF MY INFORMATION AND THAT THEY HAVE RMEOVED MY DATA FROM THEIR PORTALS. IN ADDITION TO CONTACT THESE THREE BUREAUS TO HAVE THEM REMOVE THE SAME DATA, HOWEVER HAS NOT UPDATED AND BEEN REMOVED. XXXX XXXX XXXX XXXX ACCOUNT - {$17000.00}.
Consumer complaint received 2017-07-26
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. (GA)

Under the new law, effective XXXX XXXX, 2017 any public record data must include name and address as well as a Social Security Number and Date of Birth in order for it to appear in your credit file. The Credit Bureau has not updated the information. Per the new law true Brankruptcy listed does not include this information this and should be deleted from MY credit report. As stated before this does not belong to me and should have never been placed on my report.
Consumer complaint received 2023-06-02
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. (FL)

I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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.

The following items need to be removed and blocked as they are fraudulent. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-03-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I made a mobile deposit of {$210.00} that was sufficient to cover same day debits totaling {$170.00}. To my surprise, Chase charged me two overdraft fees totaling {$68.00} on XX/XX/XXXX. 

I work in good faith to keep my account funded so as to avoid overdraft fees. To my disappointment, I find that Chase uses hidden or changing policies in a 'gotcha ' scheme to extract overdraft fees, which are extreme costly. 

I contacted their customer service but was rebuffed. If I can not get this matter resolved, I will begin looking for another bank, such as XXXX XXXX XXXX that does not charge such fees.