davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (OH)

ATT was my cell phone co. telephone provider. 

We agreed they charge me monthly for cell. I ended out contract in XX/XX/2020. 

I returned their cell a little after I asked them and asked they stop service. THe short delay was because I needed my new cell phone ( BEST BUY ) to transfer all the data from T cell to my new Best Buy phone. 
Making my year end review, I noticed ATT never stopped charging my credit card from XXXX on to date. I called ATT and they said they will look into it. At same time, I asked SEARS MASTER CARD to stop paying them, and also to refund from XXXX to date and STOP Paying them for any future automatic withdrawals. SEARS  refuses to put stop payments, or refund for past bills. Sear 's ' XXXX started a dispute but won't refund or put stop payments to all prior or new charges. She won't promise my a refund or stop payments claiming I signed with ATT, and sears  MASTER card can't stop making auto payments that by law she can't stop payments as it is between ATT and I to end such relation! 
So, if ATT wont stop sending me bills, and Sears Master keeps paying even if I ask them to both stop, in my mind, this is fraud. 
My sears MASTER card is enclosed in the attachment It shows the date when I returned by US Post the ATT cell, and he ate when I purchased my new XXXX phone with Best buy.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-07-17
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)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-16
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX 15 U.S. Code $ 1681c-2 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 XXXX business days after the date of receipt. 
It has been 30 days and you are in XXXX of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in XXXX!!! 
XXXX. XXXX XXXX XXXX XXXX, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2024-04-18
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: CITIBANK, N.A. (CA)

On XXXX, I Paid {$100.00} For A Warranty Repair, When The Technician Arrived He Explained The Defect Wasn't Covered And I Should Contact A Plumber. When The Plumber Arrived Next Day He Saw That The Issue Appeared In Two Parts. A Part Not Covered But Also A Crack In The Part Of The Fridge That Was Covered. Since I'm Already Paying For The Plumbers Visit, He Was Able To Remedy Both Parts. After The Job Was Completed I Called Back Sears And Explained What Occurred And Requested A Refund Of The Deductible, They Were Unwilling Because A Technician Had Already Been Sent Out. They Took No Responsibility For The Misdiagnosis. They Offered To Send The Tech Back Out, But At This Point The Issue Had Already Been Resolved. I Need To Be Made Whole For This {$100.00} Charge. 

In the rebuttal I received from Sears via the Merchant they are stating that The service provider provided a diagnosis, and the customer chose to have a plumber complete the job. That claim is incorrect. I had no option but to hire a plumber since the technician stated it wasn't covered and I needed to hire a plumber. Only when the plumber that I hired came out the next day explained that Sears should have fixed the issue since the defect also included a crack in the water supply line that a part of the fridge, I even included photos with my original dispute.
Consumer complaint received 2021-12-30
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: Penn Credit Corporation (OH)

I sent a letter to Penn Credit Corporation on XX/XX/2021 and as of XX/XX/2021 I have not received a response. The company had 30 days to respond but failed to and are now required by law to remove this account from my account.
Consumer complaint received 2023-03-07
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. (TX)

XXXX is reporting a charged off account on my reports that I have disputed with both the credit bureaus and directly with them. 

I sent them a disputed requesting all information and documents concerning this debt and they have not responded to me although my dispute was received. 

Per the FCRA, the consumer has the right to dispute any inaccurate and invalid information from their reports and in receipt of my dispute, the consumer reporting agency must acknowledge and conduct an investigation. 

I know for a fact that XXXX can not verify this account with the credit bureaus if they can not validate this account with me. The consumer reporting agencies are in violation of my right to dispute and have accurate accounts on my credit report and I am requesting this account is deleted from my report!
Consumer complaint received 2022-01-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (NJ)

ERC XXXX XXXX XXXX XXXX, Florida XXXX This company mailed me a bill claiming if I paid XXXX my debt would be paid for ATM & XXXX so I paid them and the emailed me paid! But they keep calling constantly and more bills for the same debt I payed
Consumer complaint received 2024-04-18
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (KY)

I have tried this card at multiple places and it is declined at every single place I've tried. The error, shown on the card history, is " Declined - Missing security code " following by the billing info of the entity I tried to purchase from. When calling support for the card, on the occasion I actually got a person, they told me to just " keep trying the card at different places until it works '' which is ridiculous, I want the card to work at the places I want it to work at, not random places.
Consumer complaint received 2023-07-16
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. (MI)

XXXX XXXX XXXX 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 1681XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX have 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 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. 
9,102. Im exercise in my right.to opt out of having these accounts reported to my consumer report. The line of credit I have with vour companw, which is characterized as utilization on my consumer reports. 
YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! 
List Name of the accounts with high Utilizations and late payment transactions XXXX XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) subiect to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) ( Put the Creditor Name here ) Making the report is NOT INCLUEDED on my Consumer report! 
Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) [ Put creditor name here that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction and experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 
You have 10 calendar days to update my utilization to 5 % or below and or delete all XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (TX)

Citi card has called my in the last 7 days 32 times ( call logs and phone records to prove ) Ive asked them on two occasions to please not call like that then in the same phone call I asked not to contact me any further calling me. The lady then says well you owe a debt and you will pay. This has been going on for 3 months! So I went to your website and based on the debt collection law on this page a creditor may contact a debtor about a single debt up to 7 times in 7 days. Based on the law this creditor has violated my rights.
Consumer complaint received 2024-03-17
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. (AR)

I humbly assert my rights under the Fair Credit Reporting Act ( 15 USC 1681 ) and related statutes, including 15 USC 6801 and 12 CFR 1016.7. It is imperative to ensure that consumer reporting agencies, such as XXXX and XXXX, operate with fairness, impartiality, and respect for my privacy rights, as outlined in 15 USC 1681 section 602 ( a ). Additionally, 15 USC 1681 section 604 ( a ) ( 2 ) stipulates that consumer reporting agencies may only furnish a consumer report with the written instructions of the consumer, which I have not provided. Furthermore, 15 USC 6802 ( b ) ( c ) mandates that financial institutions, including furnishers of information to credit agencies, must disclose to consumers how they can exercise their nondisclosure option, which has not been done in my case. The reporting of adverse information without my consent, as per 15 USC 1681C ( a ) ( 5 ), and the furnishing of inaccurate information, as prohibited by 15 U.S. Code 1681s2 ( A ) ( 1 ), are clear violations of the law. XXXX, XXXX, TransUnion, and all relevant entities must uphold their obligations under these statutes.
Consumer complaint received 2023-01-21
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. (IN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In XXXX XXXX XXXX Fair Credit Reporting act XXXXt 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 2024-02-27
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. (MI)

I have already sent letters to the creditors asking to remove the late payments on my credit report they have not abided by my request. In which the information is reporting inaccurately. They have also violated my consumer rights by not giving me the option to opt out from reporting this information to any third party agency.

15 U.S.C 6802 states Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; Please remove any negative/late payments and update the following accounts to positive. This has made a huge impact on my score and made it difficult to apply for credit for a new home. 

ACCOUNT NAMEXXXX  ACCOUNT XXXX XXXX ACCOUNT NAME- XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME- XXXX XXXX XXXX  ACCOUNT # XXXX ACCOUNT NAME- XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME- XXXX XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME- XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX
Consumer complaint received 2023-07-16
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. (CA)

I am extremely frustrated with XXXX, Equifax, and XXXX, the credit bureaus. Over the past year, I have sent multiple letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, informing them of inaccuracies on my credit report. However, they have not responded to my requests or taken any steps to ensure that my credit report is accurate. I have submitted copies of the letters I sent regarding the issue. I demand that XXXX, XXXX, and Equifax remove the incorrect details from my credit report, as they have violated my consumer rights. Their lack of prompt response and provision of imprecise information is a significant error on their part.
Consumer complaint received 2023-07-24
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. (CT)

Equifax, XXXX, and XXXX is furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 

As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 

By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. 
15 USC 1681 s-2 Says Equifax, XXXX, and XXXX is a furnisher of information to a consumer reporting agency. 
Equifax, XXXX, and XXXX IS PROHIBITED BY LAW to furnish inaccurate information. I demand Equifax, XXXX, and XXXX to Cease and Desist the reporting of incorrect/ inaccurate information immediately. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1. Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
Prohibition : a law or regulation forbidding something XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: HYUNDAI CAPITAL AMERICA (IL)

On the day of XX/XX/2023. I purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to 15 U.S. Code 1662 - Advertising of downpayments and installments, and 15 U.S. Code 1605 - Determination of a finance charge. Mixing cash with a finance charge is illegal. I demand a full return of the {$2500.00} down payment thats shows in the purchase order.
Consumer complaint received 2019-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AZ)

I applied for a credit card On XX/XX/2019. When I deciding to apply for a credit card I accessed the XXXX major bureaus and unlocked my accounts. 
The issuing bank sent a letter explaining that when attempting to get a credit report that Experian indicated that the credit report was not accessible. 
After receiving the letter from the bank I rechecked my account with Experian and found that according to my account website my credit report was unlocked, only after attempting to lock and unlock again did I find that there was a security freeze applied. I was informed that I would need to call Experian to address the security freeze. 
When I called the number provided the automated answering system would not recognize my inputs whether I typed them or spoke them. I have not been able to resolve this issue with Experian as I have not been able to get past their automated system.
Consumer complaint received 2023-07-16
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. (NC)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-07-23
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. (IL)

On XX/XX/23 i sent a dispute letter to all three credit reporting agency, i haven't received response yet, on XX/XX/23 i sent my XXXX letter with no response, on XX/XX/23 i sent a 30 day comply letter with no response, on XX/XX/23 i contacted the CFPB and the company responded with no results, the inaccurate accounts is still reporting, on XX/XX/23 i sent my FTC REPORT as i am a victim of identity theft and none of the accounts and addresses belong to me, i have address this matter several times with no repsonse. This has been an ongoing issue with no resolution.
Consumer complaint received 2023-07-23
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. (IL)

On XX/XX/23 i submitted a dispute to all three credit reporting agency with no response, on XX/XX/23 i submitted my XXXX letter with no response, on XX/XX/23 i submitted a complaint and all three credit reporting agencies stating they verified the inaccurate information and never sent me an updated report, on XX/XX/23 i filed an FTC report and mailed to all three credit reporting agencies with no response, this has been an ongoing issue, as i am a victim of identity theft. there are mispelled names that do not belong to and addresses i never lived at.