davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-15
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. (SC)

On XX/XX/XXXX, I pulled my credit report from the three credit bureaus. I noticed a few discrepancies : my name variation is incorrect, my employer is also showing incorrectly, and there's an account from XXXX in which there are discrepancies showing on all three credit reports. I have tried to contact all companies and kept getting bounced around agents, so this is the best method that I can use. 

When it comes to incorrect information, two of the three need my naming convention fixed and also need my current employer added onto the reports. All three are reporting XXXX differently and it's troubling. 

From the XXXX portion : XXXX- is showing the account is closed on XX/XX/XXXX. Also, it's showing a late payment in XXXX and XXXX of XXXX. The XXXX balance shows as {$240.00} and sixty days past due. Says the past due amount is {$61.00}. Look within the XXXX grid at past due, and you'll see it says {$0.00}, but somehow XXXX equates to sixty days. Also, if you review the Experian report, you'll see all the payments there ( and if need be I'll send screenshots too ). // Experian- It shows a late payment on XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX. If the account was paid and closed on XXXX of XXXX, then how can it be late on XXXX? It even states the status was updated in XXXX, but how can that be if the account was closed in XXXX? Also, the late payment months are inconsistent with XXXX XXXX XXXX. Even the balance histories vs. the calendar doesn't match up correctly. The balances between XXXX vs. Experian alone doesn't match up. The XXXX balance is showing as {$240.00} and 30 days past due. // XXXX XXXX Now looking at XXXX XXXX XXXX shows good standing, which is different from the other two. Also, it's showing late for XXXX, XXXX, XXXX, and XXXX. It also shows date of last payment as " XXXX XXXX, XXXX ''. Also the date closed is " XXXX XXXX, XXXX ''. Going back to Experian, how could I be late in XXXX, if the last payment was in XXXX XXXX, XXXX? It even states Date of First Deliquency is " XX/XX/XXXX '' ; however, it's in good standing on the other two reports? The XXXX balance shows as {$220.00} and 30 days past due. Also, in the " Amount Past Due '' grid, there's nothing that shows in how much was past due. If you also notice, there's a comment that states " not_more_than_three_payments_past_due '' in account status, but if you look within the calendar grid, four months are showing. // B/c of these errors and violations, I have no choice but to attach all three of my credit reports to show the inaccuracies. I will also respond to a fair resolution within the appropriate section in detail.
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (TX)

Home Depot made a mistake. My account was never late. Yet my report still shows two 30-day delinquency payments. They submitted two letters to the credit bureaus, and each time, the letter was insufficient. Home Depot has told me over the phone multiple times that it is their fault that the delinquency is shown, yet they still have not fixed the issue. It is their responsibility for messing up my credit and they need to take responsibility and be held accountable for this. They state that they can only do so much, yet this is a very serious issue. They are not doing enough and the credit bureaus are also at fault for the inability for me to talk to someone over the phone. A simple letter submission is clearly insufficient if Home Depot can't clearly communicate the issue, show fault, and resolve the issue. This is unacceptable all around and needs to be remediated immediately.
Consumer complaint received 2024-02-26
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. (IL)

I am not liable for this debt with XXXX XXXX XXXX  and XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX and XXXX XXXX XXXX. They also did not provide me with the original contract as requested. I would like for there to be a correction to my credit report. I demand that these items be deleted immediately. 

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT XXXX XXXX data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX XXXX XXXX COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Consumer complaint received 2022-11-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc. (CA)

I contacted Google about hundreds of unauthorized charges on my email XXXX because I was in the hospital and someone stole all my personal info social Security number and driver 's license and all my banking info I filed 11 claims with Google and they gave me a portion of my money back buy all of its fraudulent and I called over and over and submitted everything online but I need all my money back not just a portion
Consumer complaint received 2020-06-16
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SYNCHRONY FINANCIAL (KS)

Synchrony Bank sold a debt for a credit card to XXXX XXXX XXXX and wrote the debt off ( which is reported on my credit report by Sychrony as " written off as bad debt ). The debt was {$3300.00} when it went into collections and was soley in my name -- no one else was associated with this debt. Additionally, XXXX did not know what this debt was, other than from Synchrony Bank and could not disclose what the debt was relating to. 

XXXX XXXX XXXX  began to call me from an unknown number, never leaving a message -- I never personally spoke with the debt collector. On XX/XX/XXXX, between XXXX XXXX  CST, they contacted my husband who was NOT associated with the debt.. XXXX XXXX XXXX  disclosed the following to my husband : Debtor, Amount, and time past due. I did not authorize the sharing of this information and is a violation of FDCPA. 

I immediately contacted XXXX XXXX XXXX, speaking with XXXX XXXX " operations manager, '' and asked why they would disclose the debt, which then they claim " Kansas is a spousal consent state and we can disclose that debt to to person you are married to. '' That is NOT how FDCPA, a federal regulation works. They can contact my spouse and ask my number and how to contact me, but they can NOT disclose debts, amount, debtor, and payment information. Additionally, XXXX XXXX XXXX LIED about communications with me and said they spoke with me in XXXX and were following up -- which is NOT true, this is false and misleading.
Consumer complaint received 2020-06-16
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. (CA)

on XX/XX/XXXX I submitted a complaint about Equifax reporting an open account that was originally closed by the creditor XXXX XXXX on XX/XX/XXXX. XXXX XXXX reopened the account stating I owed them XXXX for the car notes that were due to be refunded to me, because the car i bought was a repurchase under the California lemon Law. All monies were to be refunded to me ; XXXX XXXX didn't refund me my car notes. XXXX XXXX closed the account and sent me a letter stating the account was paid in full and the breakdown of all credits/refunds on the account, per letter dated XX/XX/XXXX. Equifax continues to report this account as me owing money to XXXX XXXX. now it shows a higher amount than the two returned payments i were to receive. As of XX/XX/XXXX Equifax responded to CFPB complaint # XXXX closed with explanation. i checked my credit report as of XX/XX/XXXX and the account showed closed. But when I checked my credit report on yesterday XX/XX/XXXX the account was back on my Equifax report showing opened and owing XXXX. This is inaccurate information.
Consumer complaint received 2024-01-19
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 will send a letter in the mail in XXXX of 2023 stated that my information may have been affected by the Equifax data breach I also received the email from XXXX XXXX XXXX advising me of this information to so now I'm taking the time out to write you all because I just had XXXX XXXX in XXXX and I wasn't able to get it done before then because I was losing my XXXX.
Consumer complaint received 2020-06-16
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: Experian Information Solutions Inc. (GA)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX. Company Inquiries : XXXXXXXX, XXXX, XXXX XXXX   XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX. Company Inquiries : XXXX/XXXX, XXXX, XXXX/XXXX, XXXX  XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-02-26
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. (MO)

In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( 1 ) XXXX XXXX, ( 2 ) XXXX XXXX, ( 3 ) XXXX XXXX, ( 4 ) XXXX XXXX, ( 5 ) XXXX XXXX XXXX, ( 6 ) XXXX XXXX XXXX , ( 7 ) XXXX XXXX XXXX XXXX , ( 8 ) XXXX XXXX  , ( 9 ) XXXX XXXX . 15 USC 1681Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. Lastly, 15 USC 1681 s-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 in accurate. I'm requesting that the accounts above be deleted immediately.
Consumer complaint received 2022-10-28
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. (HI)

Since XX/XX/2022 Ive been disputing with XXXX, Experian and XXXX via credit repair services! But to no avail nothing never has happened to my satisfaction!
Consumer complaint received 2023-02-09
Product: Credit card or prepaid 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: Bread Financial Holdings, Inc. (NJ)

I have a Comenity-Carters credit card. ( Comenity Capital Bank ) I owed XXXX that was due on XX/XX/22. I paid through the billpay section of my bank. They sent an echeck for {$73.00} that Comenity endorsed and cashed on XX/XX/22. When I got my next statement, it said I did not submit the payment and was charged late fees. I called and opened a dispute. I sent a letter with a cop of the canceled echeck, they said it can take 90 days to investigate. I called over 20 times and was put on hold and transferred to many different people and was disconnected many times. The agents always said if we get disconnected, they will call back, but they never did. I finally got an agent in XXXX saying my next statement should say {$0.00} owed. The next statement showed I owed {$110.00} and I got a letter saying I had to open another dispute and send more documentation. I wrote the second letter and enclosed more copies of payments that I sent that they did credit to my account in the past. I then contacted them on their facebook page after being not helped on the phone. They gave me a corporate number, and someone will take care of the situation. After explaining it to XXXX he  said he couldn't help me and transferred me to someone who couldn't help me who transferred me to XXXX who said she was going to put me on with a supervisor. She said she has my number in case we get disconnected which we did immediately and there was no call back. I am very frustrated with this whole situation and our credit score is over XXXX, I do not want my credit score affected. It should not take over 4 months to take care of one transaction.
Consumer complaint received 2020-06-16
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. (GA)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX. Company Inquiries : XXXX/XXXX, XXXX, XXXX/XXXX, XXXX  XXXX XXXX, XXXX  XXXX, XXXX XXXX   XXXX XXXX XXXX.
Consumer complaint received 2022-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

REPORTING OF ADDRESSES THAT ARE NOT MINE


MY NAME IS

XXXX XXXX XXXX  


MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX


15 U.S. Code  1681i

THE INNACURATE REPORTING IS DAMAGING MY CREDIT, THEY NEED TO REMOVE ALL NUMBERS AND ADDRESSES THAT ARE NOT MINE
Consumer complaint received 2020-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (FL)

Back in XXXX I took advantage of a balance transfer offer that would end on XX/XX/XXXX. I paid a 3 % balance transfer and it was a 0 % APR interest offer. 

In XXXX I received a notification that I should take advantage of another offer, that would end in XX/XX/XXXX, at 1 % APR, for which it also had a 3 % balance transfer fee. Seeing the opportunity, I transfer some other debt that I had with this offer. 

Come close to XX/XX/XXXX, I noticed that my payments were not reducing the amount for the offer that was going to be finished in XX/XX/XXXX, I even made a huge payment to remove the balance for that debt, but it was applied to the offer that would end in XXXX. 

Now in XX/XX/XXXX, the offer for XXXX is already paid off, but the one for XXXX is going to accrue interest because not much was applied to this balance. 

I requested them to go and apply my big payment to the account saying that it does not make sense to apply it to something that was going to expire in XXXX. 

In other credit services, there is a way for the consumer to choose how balances are applied because set rules are not always the best for the customer, and at least you let the customer make the mistake, but it is not fair that the financial institution sets you up with an offer, misguide you on how the payments are made and trow your financial planning out of the window in order to collect additional interest. 

I understand that the payment order was on the agreement, but that is something not easily understood and you would have think the Financial Institution was better at common sense.
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY (NY)

These dealership I disputed by calling, such as creditors or tax court, and identity type of item, such as credit account, judgment, etc. is inaccurate or incomplete because describe what is inaccurate o incomplete and whyl. I am requesting that the item [ be deleted or request another specific change ] to correct the item off my report please and thank you
Consumer complaint received 2020-06-16
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: JPMORGAN CHASE & CO. (AZ)

This account was opened at an address previously owned by me ( XXXX-XXXX  ) and sold 10 years prior to the account being opened ( XX/XX/2016 ). The issuing company stated that all mail was sent there, however, because I had sold the property 10 years prior to, I would have had no idea that someone opened an account fraudulently in my name. In addition to this, this account was opened around the same time that I was notified that I was a victim of the mass security breach within XXXX  credit services. By comparing my credit history with all other accounts that I have opened, it is clear that this is not the type of history that I have built. Why would I spend as little as {$300.00}, not pay it off and let this linger on my account for 7 years and negatively affect my credit rating for such a small amount of money, when all other accounts have been paid satisfactorily over this time? I have requested an investigation by JPMCB, but their only response is that " because the statements were not returned to them, they deemed the account valid. '' They did not compare dates of the address that the account information was sent to or acknowledge that the statements were sent to a property I hadn't lived at in 10 years. I have been unable to get them to respond to any further information regarding the account. I have filed disputes with all three credit reporting agencies, but unable to get any response, other than a statement that the issuing bank has deemed this creditable.
Consumer complaint received 2020-06-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (DE)

XXXX XXXX XXXX, allowed XXXX to overcharge my credit card by {$2000.00}, by the time it was corrected. XXXX XXXX had already closed my account but did not credit my account the proper amount.