davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I've tried disputing this issue with XXXXXXXX XXXX management via phone and via Experian, XXXX and XXXX. XXXX has removed the record for fraud. This issue is regarding a fraudulent amount I have no knowledge of from summer XX/XX/XXXX that was sold and place for collection by the company XXXX XXXX which NO LONGER EXISTS AS OF XX/XX/XXXX, and was set for collection in XX/XX/XXXX. 

In accordance with The Fair credit reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and is therefore fraud. 

Account name : # ( acct # ), list all accounts and acct # s, has violating 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.
Consumer complaint received 2019-12-07
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)

checked my credit and noticed and 1 account that does not belong to me and multiple inquiries. 

XXXX/XXXX XXXX XXXX / date opened XX/XX/XXXX XXXX AMOUNT {$6800.00} UN AUTHORIZED INQUIRIES XXXX XXXX   XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Card XX/XX/XXXX XXXX XX/XX/XXXX Automotive Finance XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PROSPERITY BANCSHARES, INC. (TX)

To whom this may concern Over the last seven to eight month this bank has had issues with their online banking. I have made a few reports of this with little help in return. This has become larger problem once the online banking system began to lock me out every three to four days. Being that I have business checking accounts there at a lot of transactions on my accounts. Being locked out at random times such as over the weekend or in the middle of the night has caused me to be hit with over draft fees. This is becoming very suspicious to me. I have banked with this company with out these issues over 4 year and all of a sudden I can't properly enter my passcode correctly? which is the reason they told me this keeps happening. I feel very much disrespected and ignored over the last two months trying to get help with this issue. 

The attached images will show you how often the system is starting to lock me out. It is very clear that something is wrong. I have been using their on line banking for year without this issue and all of a sudden their saying I can't properly enter a password every few day?
Consumer complaint received 2019-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NE)

In the last few months I have noticed a tricky/sneaky change done to the way payments are processed. Citi has two date " cut-off 's '' - one is the date which the minimum payment is due, and then the other one is the date which is considered the close of the statement ( i.e. interest, fees, etc. are calculated & a new statement begins the following business day ). These two dates are normally separated by 2-3 business days. 

I normally pay the minimum payment immediately after receiving my new statement. Then I like to pay off the card in full prior to the close of the statement, that way I avoid being hit with interest charges. In the past I was able to schedule the payment any day except the final " close of statement '' date. However, lately they have prevented me from paying anything between the " minimum payment due date '' and the " close of statement '' date. They also are taking longer to process payments to shops, etc. ... all of this has the effect of essentially locking me out from paying off the card in full as I am unable to pay anything that is not " posted '' ( i.e. pending/processing charges can not be paid ) at least a two or three days prior to the minimum payment date. This means that I basically have a full 1 week window in which I can not charge anything to my card if I want to ensure I get a XXXX balance going into the next period. 

This is NOT business as usual. It is a change which occurred within the last several months. Prior that time, payments to shops would be processed & cleared within 1 day and payments could be made any date except the final " statement closing '' date. 

I wanted to send an email to Citi regarding this scam/issue but the website has removed the possibility to send messages and instead requests only that you " chat '' or call on the phone. I assume this is to limit the paper trail which could be used in a court of law. 

I am hopeful that something can be done to correct this abuse & fraud.
Consumer complaint received 2019-12-07
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: CORELOGIC INC (GA)

My identity had been stolen, in effort to clear my name I want to report that accounts had been opened in my name without my knowledge. I am requesting for these accounts to be removed from my credit report intermediately.
Consumer complaint received 2023-11-02
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. (GA)

Ive been disputing the inaccurate and Incomplete information for 10 months now. Ive ask the agencies to prove proof of verification and I keep getting a generic letter stating its been verified
Consumer complaint received 2019-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (NC)

I bought a new car and the old loan from Bridgecrest was rolled into my new loan. My Bridgecrest account has been closed for 2 MONTHS. I disputed this and it showed as correct. It is not
Consumer complaint received 2019-12-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southern Management Systems Inc. (SC)

The XXXX at XXXX XXXX entered into a lease for my son a college. I signed the lease. Each unit has 4 bedrooms with 1 common area. The utilities are included up to a dollar amount and then overages are passed on to the 4 tenants equally. After 6 months the other three units were vacated and the XXXX   started applying the overage to only our lease even though they had locked the other rooms and would have been their responsibility to heat and cool. My son went down to the leasing office for the first 3 months and the charges were reversed. About that time they started having management problems and the managers were changed twice. We called and and my son visited the office repeatedly to rectify the matter of {$120.00}. They would never give us a number for the parent company to speak to someone that could actually make a decision and they always passed it off and would never address the matter. At which point they turned it over to collections of which I never received a notice to be able to even address the matter and now it has shown up on my credit report for {$290.00} with no notification or such to be able to address the matter. I have no recourse other that to sue the rental company of which I can't get any information on, three states over for ruination of my credit.
Consumer complaint received 2019-12-07
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Roycroft Management (TN)

On XXXX XXXX, 2019 I was contact by Central Mediation Services four times in seven minutes. I finally answered on the fourth call for XXXX XXXX to ask if I received his voicemail. I still have the voicemail that he needed to meet me to serve me papers at my home or place of employment and to have an ID with me. He also said I could call ( XXXX ) XXXX to discuss as well, I called the number and spoke with XXXX XXXX. I had stop him as he immediately started in on why they were calling that I was being served a demand letter. I had to ask who his company was as he did not identify them. He then said I was being served a judgement. I kept asking if was I being served a demand letter ( which would normally be sent by mail since its not a court document ) or a judgement ( which would have to be signed by a judge in a court of law after a hear & I was never served with papers saying I was being sued, so there could be no judgement. ) There are so many violations of the FDCPA ; Harassing phone calls ( 4x in seven minutes ), false representation of serving papers, no information on how to verify what they were saying, telling me a cease and desist letter for contacting me wouldnt work. From what I can gather about the loan theyre talking about it would be an illegal loan under Tennessee law so they couldnt collect. The loan company is not licensed to conduct business in Tennessee nor is Central Mediation Services licensed to conduct business or collect in Tennessee. I have mailed a cease and desist letter but the company is engaging in illegal collection activities.
Consumer complaint received 2024-03-16
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. (MI)

I looked at my record report XX/XX/XXXX and Ive noticed some things that are incomplete and inaccurate and according to the fair credit reporting act whenever the summer reporting agency prepares a consumer reports it shall follow reasonable procedures team ashore maximum possible accuracy of the information concerning the individual about whom the report relates these accounts are in accurate Address XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Closed accounts XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXXXX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Collections XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX. The bureaus XXXX XXXX XXXX XXXX XXXX XXXX According to 15 UCS 1681S/T a person shall not furnish any information relating to an consumer responding an agency 1681S/T a person shall not furnish any information relating to an consumer I need to see if the person knows or has responsibility what time is his information
Consumer complaint received 2024-03-16
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. (IL)

These accounts was charged off on ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) since then the account has repeatedly been updated as charged off every month. This is an update in the payment history.a charge off account should include an active payment history. Inaccurate information falsely manipulate the statute of limitations. Credit bureau failed to investigate these accounts properly and there neglect has violated more than one rights listed below.

15 us code 1601,15usc1681e ( b ), FCRA section 605 ( c ) ,15usc1681i,
Consumer complaint received 2019-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (GA)

Dear sir,

1. I recently realized that a check I wrote and sent through mail to somebody has not been delivered even after 30 days.

2. I called up the BMO-Harris bank on XX/XX/2019 to freeze the check and to check for any other options.

3. After more than 60 min hold and back and fourth questions, the associate said, there is a lot of fraud happening. So, the best options they can offer me is to freeze the account immediately and next day morning (specifically at XXXX XXXX EST, the next day) somebody from their sales team will call me to set up a new account. Since their branch is not available in XXXX, Ga, this is best option they could offer me. He also gave me a specific time at which somebody will call me.

4. It is been more than 4 days, nobody called me. My money is frozen (> $ 7000). I can not sit on the phone to deal with customer service anymore.

I demand a compensation for this inconvenience from them.

Thanks,
-XXXX XXXX
Consumer complaint received 2024-03-16
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)

inquires need to be removed due to fraud XXXX XXXX XXXX XXXX XXXX Important dates Inquiry date XXXX XXXX XXXX XXXX XXXX XXXXXXXX Important dates Inquiry date XX/XX/XXXX Removal date XXXXXXXX XXXX XXXX XXXX XXXX Important dates Inquiry date 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 EQUIFAX MORTGAGE SER Important dates Inquiry date XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2021-03-11
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: JPMORGAN CHASE & CO. (NY)

I am dissatisfied with the response I received from Chase regarding an issue that is completely under their control. The Chase plan allows spreading out payments for no more than ten purchases over an extended period of time. I reached the maximum and because I made another large purchase, I paid off 4 of the existing charges under the plan in an effort to add this purchase. Chase responded I must wait two billing cycles to allow the XXXX  balance charges to drop from the plan. 

I am including Chase 's response to me.
Consumer complaint received 2019-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In 2014 I applied and approved for a credit card with capital one, I had just been discharged from XXXX XXXX and had a small parttime job at XXXX. There was a time when I was unable to pay. I was homeless, and I was doing everything I could to get to a better place in life. I was more than 150 days late. Since that date, I have only missed one payment due to not having cellular access in the middle of a military training event. For the last three years, I pay my statement balance in full, and I have maintained a responsible history. However, this card is hurting me now after so much time. I have called Capital One many times, asking if they could do a goodwill service and forgive the late payments considering my exceptional payment history after my life hardship. I have asked for credit limit increases and was also denied and told that this can only be done on the app. The app automatically denies my request. But I can't increase my credit score if I  have these negative items on my report. I would like to continue being a capital one customer. However, no one has been able to help me improve my relations with CapitalOne as a future customer.
Consumer complaint received 2019-12-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Byrider Franchising, LLC (CA)

In XXXX I Visited a JD Byrider In XXXX NC. I was young and did not understand how to purchase a car. Today I felt as if I was being scammed for my ignorance, but I was desperate at the time for a vehicle to drive across the state for a new job that ended up not working. The car had issues, and I had driven the car to them a few times to fix it. I was buying a XXXX base level XXXX  XXXX  for around 10 grand. They told me that I would have a credit score of XXXX dollars. What they didn't tell me was the car had many issues, and the interest rate was almost 30 %. Upon losing my job, I had informed them and dropped the car off to them in perfect condition. I wasn't aware at the time that this counted as a repossession since I was the one who returned it because I honestly couldn't afford this car.
Consumer complaint received 2023-02-09
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. (NV)

m 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. 

Account name : XXXX XXXX acct # None On file XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have 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 reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crimes with antedates the report by more then 7 years.

15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the persons know or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2019-12-07
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland funding llc, purchased a receivable from XXXX that defaulted in XX/XX/2012. I had tried to negotiate with XXXX after my home was damaged in Hurricane Sandy but they would not accept a payout. Midland also shared personal financial information with family in their illegal attempts to collect. I want this off my credit reports, its more than 7 years since default!
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I am writing to express my grave concerns regarding the accuracy of the information contained in my credit report, as maintained by your agency. Pursuant to 15 U.S. Code 1681e ( b ), credit reporting agencies are legally obligated to ensure the accuracy of consumer credit reports. However, despite repeated attempts to rectify wrong and deleted accounts in my credit report, I am deeply disappointed by the failures of your agency in fulfilling this obligation. 

I have diligently pursued the correction of wrong information by providing documented evidence to support the necessary corrections. Despite my efforts, the credit bureausEquifax, XXXX, and XXXX persistently failed to take appropriate action. This flagrant disregard for accuracy not only undermines the credibility of the credit reporting system but also directly harms consumers by impeding their access to credit and financial opportunities. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) ( A ), credit reporting agencies are required to conduct reasonable investigations upon receiving disputes regarding the accuracy of information in a consumer 's credit report. However, the investigations conducted by your agency have been grossly inadequate. Instead of diligently investigating and rectifying the inaccuracies as mandated by law, the credit bureaus have routinely dismissed valid disputes without conducting thorough investigations, thereby perpetuating erroneous information on my credit report. 

I hereby demand the immediate removal of the following inaccurate items from my credit report : 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} I expect prompt action to rectify these inaccuracies and ensure the integrity of my credit report.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

XXXX XXXX XXXX XXXX This company is re-aging the account as the LAST DATE OF ACTIVITY CHANGES and DIFFERENT ON THE XXXX AND EQUIFAX. Also, they never provided proof of notice... Therefore, please delete this account. 

I have attached a picture for proof.
Consumer complaint received 2023-11-02
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: Experian Information Solutions Inc. (NY)

XXXX XXXXXXXX XXXX ( I NEVER HAD LATE PAYMENTS ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( I NEVER HAD LATE PAYMENTS ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX