davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-12
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. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX  XXXX, NY XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX Balance XXXX : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$5900.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00}.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXXXX/XX/XXXX.
Consumer complaint received 2020-06-22
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: CITIBANK, N.A. (TX)

My credit card was charged to an ATM withdrawal that was not made by or authorized by me. I contacted Citi Cards within minutes of the fraud and the card was canceled and the fraudulent transaction was acknowledged. Citi Cards has since investigated the {$2700.00}. ATM withdrawal, and the {$130.00}. transaction fee, and the {$31.00}. interest fee for this XX/XX/2020 transaction supposedly in XXXX ( told to me by Citi ). Citi has since sent me a letter saying that I made the transaction ( traveled to XXXX from Texas ) and I was therefore libel for the money. I have repeatedly told Citi that I did not have any part or knowledge of this transaction and that the entire event was fraud. They Citi requested a letter from me to this effect and I complied. I have since contacted Citi Cards and they repeat that they have closed the investigation and will not reopen.
Consumer complaint received 2021-05-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Colony Brands, Inc. (IL)

The items I bought was clothing and they were to small they had to be send back Thats the way I wanted it I did not want them to resend a bigger size. 
I told them that on emails and phi no r calls that were eventually collection calls The clothes were to small and packed and sent back!!!
Consumer complaint received 2019-01-31
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 requested numerous times to have incorrect address, non updated collections Accts And Unverified and non validated information removed from my report along with invalidated information. I received a letter stating it was verified without informing me how the information was verified other than word of mouth by a creditor. I worked for a company who merged files for tax write offs. Experian employees are very rude, unprofessional and argumentative. Refusing to escalate my call. Placing me on hold for 37 mins before returing to the line with an attitude. A manger will call you. That was 7 days ago.
Consumer complaint received 2019-09-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Diversified Consultants, Inc. (MN)

Diverseified they keep calling me and harassing me with the repeated calls trying to keep me on the phone to say the debt is mine its gettin outta of hand I told them to send me something that got something with my signature on it
Consumer complaint received 2019-09-23
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Incorrect information has been reported to the credit reporting bureaus and it is damaging my credit ratings. Moreover, the incorrect information is over 12 years old. 

XXXX XXXX XXXX, XXXX ( " XXXX '' ) is a third party residential mortgage services provider. XXXX serviced a mortgage I held on a house owned in XXXX, WA : A house I sold in XX/XX/2007. Sale of the house resulted in the full payoff of the loan XXXX  was servicing. This loan was paid off, in its entirety, in XX/XX/2007. Thus, there was no loan, no loan obligation, and no payment obligation after XX/XX/2007. 

In XX/XX/2007, one month after the loan was paid off, XXXX reported a " late payment '' to the credit reporting bureaus. There were never any late payments -- I had never been late on any payment on the mortgage. This is troubling because XXXX reported a late payment AFTER the loan had been paid off. Then, XXXX reported the loan as 60 days late. This is a very damaging item on my creditor report : A report that has no other similar late payments. 

12 years have passed. Setting aside the factual inaccuracy of the alleged pate payment, XXXX has refused to notify the credit reporting bureaus to remove this from my credit reports. This failure is despite my repeated attempts to notify them of this problem and multiple requests for their assistance to correct this error. 

XXXX is taking affirmative and active steps to maintain the late payment on my credit report. It is very strange behavior, to be sure, but something I hope your organization can help me correct. 

NOTE : No money is owed -- there were never any late payments -- I complied with all terms and conditions of the mortgage. The loan was paid off in its entirety in XX/XX/2007.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On numerous occasions Ive contacted Transunion and XXXX   about Hard inquiries on my report that are fraudulent. I stated that it was identity theft and I did not authorize it nor had knowledge of the information on my report. I sent in Identity Theft report along with copies of my Id and SS card as they told me to and still nothing has been fixed for me.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

This is XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-09-11
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. (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.

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 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Under The New Rule REGULATION F Which Took Effect November 30, 2021 *15 USC 1681a 2 -Exclusions ( a ) ( i ) is a subsection of the Fair Credit Reporting Act that clearly states Any report containing information solely as to transactions and experiences between the consumer and the person making the report.

*15 USC 6802 is a section of the United States Code that outlines the obligations of financial institutions with respect to the disclosure of personal information. 15 USC 6802 outlines the " Opt Out '' requirements for financial institutions when disclosing nonpublic personal information to nonaffiliated third parties.

Financial institutions are required to clearly and conspicuously disclose to the consumer, in writing or in electronic form, that their personal information may be disclosed to third parties. The consumer must be given the opportunity to direct that their information not be disclosed and must be provided with an explanation of how they can exercise that option.

*15 usc 1681b ( a ) ( 2 ) is a section of the United States Code that outlines the permissible purposes for which a consumer reporting agency may furnish a consumer report. In general, a consumer reporting agency may furnish a consumer report only under the following circumstances and no other : 1 ) The consumer must give written authorization, and I did not and will not give any creditor the right to add negative, inaccurate and injurious information to my consumer report.
Consumer complaint received 2020-09-09
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. (PA)

Attached are letters asking for proof of investigation. This letter was sent certified and I have attached proof of delivery on XX/XX/2020. This credit bureau has failed to send any proof of investigation to date. They did change the status from open to close. Other credit bureau has deleted the items from my credit report. They have had more than 30 days to investigate and send proof of investigation or be in violation of the FCRA.
Consumer complaint received 2019-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

On numerous occasions Ive contacted XXXX and Equifax about Hard inquiries on my report that are fraudulent. I stated that it was identity theft and I did not authorize it nor had knowledge of the information on my report. I sent in Identity Theft report along with copies of my Id and SS card as they told me to and still nothing has been fixed for me.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXXBalance : {$270.00}.
Consumer complaint received 2019-09-23
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. (NC)

On XX/XX/XXXX, I submitted verifiable documents to Equifax showing the company by the name of XXXX XXXX was included in my bankruptcy petition confirming plan on XX/XX/XXXX ; which the first dispute is in the file you maintain under my social security number. I attempted to contact them directly to requested that they cease and desist any and all collection activities knowingly of bankruptcy law ; including reporting of this account on my credit reports. 
I was informed between XX/XX/XXXX and XX/XX/XXXX, that the account status closed and the account was resolved by data furnisher. Also, an Equifax credit file confirmation # XXXX Now, I have discovered that the item has been reinserted on my credit report again, as of XX/XX/XXXX, with account status as open and seven ( 7 ) consecutively missed payments appearing on my Equifax credit report. This has made a tremendous impact on my score. Again, I will attach verifiable documents and have the right to take legal action due to : 2. Their reporting is INACCURATE and with INCONSISTENCY. They reported my last payment as of XX/XX/XXXX ; yet, reported ( 7 ) missed payments starting XX/XX/XXXX. INACCURATE CALCULATION. Due to the fact, IF my last payment was XX/XX/XXXX up to todays date XX/XX/XXXX ; it will be 14 missed payments starting from XX/XX/XXXX. INACCURATE AND INCONSISTENT. 

XXXX XXXX is/has reported inaccurate information and Equifax did not properly investigate from the last documentation that was sent. An account included in bankruptcy can not be reopened or any account activity reported direct to credit reports outside bankruptcy laws. 
Equifax, in accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days ( B ) Requirements relating to reinsertion of previously deleted and closed material ( ii ) Notice to consumer If any information that has been hereby deleted or closed from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for the purpose, by any other means available to the agency. 
I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.
Consumer complaint received 2019-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I had the Bank of American XXXX XXXX XXXX  MasterCard in XX/XX/2018, and cancelled it the same year to avoid the {$59.00} annual fee. 
On XXXX, I applied for the card again and was denied, even though I have an excellent credit score. 
On XXXX, I applied again for the card and was denied a second time due to multiple applications. 
On XXXX, I applied again and was denied for a third time due to too many recently opened accounts ( which is not true, i only have one credit card ) and limited deposit/investments with Bank of America. 
I went into the bank branch near me and complained to XXXX XXXX, the vice president/financial center manager ( XXXX ). 
I feel that they will NOT give me the card ONLY because I had it before and do not want me to earn the bonus XXXX XXXX bonus points i would earn with the new card, nor more importantly effectively use my existing 60,000  + XXXX XXXX points, as one needs an active open BOA XXXX credit card account to be able to get the full value from ones XXXX XXXX Account points. Without the card the XXXX XXXX   points, are only worth 25 % of their full value. I believe that they have violated my rights under the Frderal Equal Credit Opportunity Act.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : Original Creditor : 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 2023-09-14
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. (NJ)

I'm a natural person and a consumer as defined by the FCRA 15 USC 1681a ( c ) who resides in XXXX New Jersey. I received my consumer report and noticed accounts on my consumer report that is still inaccurate. I've been disputing the negative, erroneous items for months now and my consumer rights are continuously being violated by this agency. In response to my disputes, this corporation claimed the accounts are verified. The information on these accounts being furnished on my consumer report are in fact inaccurate. Pursuant to 15 USC 1681i ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency, shall promptly delete that item of information from the file of the consumer or modify that item of information as appropriate, based on the results of the reinvestigation ; and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. The reporting of these accounts are in violation of 15 USC1681e ( b ) ACCURACY OF REPORT. Please see attached a copy of my consumer report and I circled all the inaccuracies, incorrect and erroneous information for your review. How can you verify inaccurate information? This consumer reporting agency has violated METRO 2 Compliance procedures and format for reporting and disregarding the laws that Congress has put in place for the consumer! I've put this company on notice multiple times and gave them the right to cure. At this point it seems like the only way I can receive remedy for these violations are to pursue legal action.