davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-03
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: FIFTH THIRD FINANCIAL CORPORATION (VA)

I bought a house XX/XX/XXXX. I opened an account with XXXX internet services in XXXX, Virginia for the house i was moving in. I set my account up with autopay like i do all my bills and they took monthly payments out of my account of {$54.00} like authorized. They made a mistake when i set up my autopay over the phone after having fraud on my account and charged me {$100.00} in XXXX. I called XXXX and they refunded me the {$50.00} for overcharging me in XXXX but then in XXXX they charged me a payment of {$160.00} and when i called XXXX they said it was because they never received a payment from me in XXXX. That is negative i have bank statements to prove that i paid them every single month. I explained to them everything and they removed the fees and refunded me {$63.00} but would not refund me the rest of my money because they kept saying that i owed them because i did not pay them in XXXX which is not true. So $ XXXX {$63.00} = {$100.00}. They owe me {$50.00} since i pay {$54.00} a month and they charged me {$100.00}. I disputed the {$160.00} with Fifth Third Bank after explaining to Fifth Third what happened and walking through each month to confirm all the payments that i made. In XXXX I continued my {$54.00} payment as scheduled and when XXXX refused to give me my money back i closed my account with them and paid my remaining balance in XXXX of {$14.00}. I still have not received the {$50.00} that XXXX owes me and Fifth Third canceled my dispute even after all the evidence that i sent and the proof of my bank statements. I attached all the bank statements of XXXX. I can not access XXXX XXXX Bank statements from my mobile app since it only shows me XXXX bank statements but i attached a screenshot i took a year ago to prove that i had made those payments in XXXX, XXXX, and XXXX.
Consumer complaint received 2024-10-25
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. (AZ)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2022-07-16
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. (AZ)

I tried to speak to a XXXX credit card representative about my suppose late payment showing up on my Credit Report and causing my score to drop! They did not want to listen to me and just ended the call, they offered no help and I was truly disappointed, I tried to resolve it with them on XXXX of 2022
Consumer complaint received 2023-03-23
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: Experian Information Solutions Inc. (AR)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : $ {$34000.00} ; XXXX XXXX Balance Owed : $ {$34000.00}.
Consumer complaint received 2023-03-25
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

Hello, my Citi Credit card had charged me today for a charged of {$680.00}. I didn't authorize anyone to used my credit card at XXXX XXXX Plus the charged today was more than what was the disputed amount which was supposed to be {$430.00} as you'll be able to see in the attached copies. The {$430.00}, was also charged back in XXXX bill which I paid the total balance. 
After going through my statements charges, sometime inXX/XX/XXXXI saw the charged in my citibank statement for {$680.00} I had already paid. When I called the fraud department they told me that the charged was {$680.00} but the store XXXX XXXX had giving me a refund for {$250.00}, which the disputed amount was {$430.00}. I went to the XXXX XXXX and the manager gave me all the receipts of the transaction which I have attached. The manager of XXXX XXXX said that once the person returns the machinery the deposit of {$250.00} is refund it to my credit card. The Manager said that the guy returned the machinery and did not used it and that's were the store issue a store credit for {$430.00}. I told the manager that I didn't authorize that transaction. Plus, returning the machine proves he didn't do any job so how is it that I got charged for something i didn't authorize? And how is it, that he was able to rent by just giving a credit card number that didn't belong to him. The card has been in my possession so that means he used my unauthorized number. The store aloud it. It makes me think they are used to doing this perhaps. The manager said that the guy used the store credits for different tools on different days. If you look at the receipts attached, the guy used the store credit for a XXXX XXXX sounds like a shampoo carpet and other tools. After XXXX XXXX gave me those receipts I called citibank and the supervisor told me not to worried because citibank had issued a credit and the case was closed. Today when I looked @ my statement I see a charged for {$680.00} that citibank had reversed. I had paid for the whole balanced today so I don't get fees charged. I called today and I talk to Supervisor XXXX ( XXXX XXXX, from Citibank dispute. XXXX said not to worried that he will appeal the case. I said to him that not only they charged me an authorized charged but also they charged me more than it was supposed too. I take care of my XXXX XXXX XXXX mother who's very ill and all this situation it's giving me more stress and I'm also ill and don't need more problems. If this is not resolve I will cancel this headache card. Citibank didn't even asked the store for the receipts or how did the guy used my credit card number? I believe this charged was not investigated thoroughly.
Consumer complaint received 2024-10-30
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. (GA)

Name : XXXX XXXX XXXX : XX/XX/XXXX Last 4 of SSN : XXXX Hello. I am contacting the CFPB today to detail my recent experience with identity theft. 

XXXX XXXX, the individual who stole my identity, lived with me for XXXX years. She made copies of my social security card, driver 's license, and birth certificate during her stay. She proceeded to open up numerous accounts in my name with no authorization from me. I am trying my best to remedy the fire she started but she has been the direct cause of the crippling debt that is reporting to my credit report. I have also filed a police report, but this is all I can do as she is nowhere to be found. 

After researching for hours on the best ways to help my situation, this CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that the XXXX, Experian, and XXXX credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following accounts are the fraudulent/unauthorized accounts in question XXXX XXXX XXXX XXXX XXXXXXXX Inquiries XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX
Consumer complaint received 2024-10-29
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)

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. 

Account Name : XXXX FNBK XXXX Account Number : XXXX Account Name : XXXX CARD Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX FCU Account Number : XXXX Account Name : XXXX FCU Account Number : XXXX Account Name : GRAIN TECHNO Account Number : XXXX Account Name : XXXX CARD Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I reviewed my credit report and found grave errors that your company is reporting to my consumer report as late or missed payments, and because of this I am being discriminated against to extent my credit. Your inaccurate consumer reporting is causing great harm to my reputation and injury to my character. This is a violation of FCRA 15 U.S.C 1681 ( 4 ) ( b ) Here the accounts youre reporting with a late payment or missed payment XXXX  : Open date XX/XX/XXXX Allegedly late payment XXXX XXXX XXXX XXXX : Open date XX/XX/XXXX Allegedly late payment XXXX XXXX Department of education XXXX XXXX Open date XX/XX/XXXX Allegedly late payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These accounts where never late or missed a payment. I demand these accounts be Updated to its proper payment status of Pays / Paid as agreed. 
Pursuant of 15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Furthermore I never gave you ( Insert consumer reporting agency ) or ( Insert Creditor ) any written instructions or consent to furnish any information on my consumer report, this is a violation of 15U.S.C 1681b.

Your company will be civilly liable for negligent non compliance pursuant 15 U.S.C 1681o ( 1 ) any actual damages sustained by the consumer as a result of the failure : Again, I demand these accounts be Updated to its proper payment status of Pays / Paid as agreed within 30 days of the receipt of this letter.
Consumer complaint received 2024-09-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (PA)

The debt was sold to this agency. My credit report is showing that I am past due with this company {$630.00}. Since the original balance was never with this company, this account should not be reported as past due. I have also noticed that every few months the account balance is being reported to credit bureau increased by {$1.00} to keep it active. This appears to be an attempt to manipulate the accounts status inaccurately. When I requested validation, they used a scare tactic to force me to make payments which included taking me to court. 

Under XXXX XXXX. XXXX ( FCRA ) and XXXX XXXX. XXXX ( FDCPA ), all information reported must be accurate. Due to the inaccuracies in the reporting, I request that this account be removed completely from my credit profile. Additionally, I request that this debt not be sold or transferred to another third party. 


Thank you for your prompt attention to this matter.
Consumer complaint received 2023-03-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I'm writing to express my disagreement with the existence of several entries on my credit report that I consider to be fake. Although I've challenged these issues in the past, my credit report still has them. In compliance with Fair Credit Reporting Act ( FCRA ) Section 605b, I demand that these items be deleted right away. You are aware that under the terms of FCRA Section 605b, any information that is untrue, incomplete, or impossible to verify must be promptly deleted from a person 's credit file. The items in question are fake and do not accurately reflect my credit history, so I think they fit under this category. I ask that you take away the following things : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX Inquiry : XX/XX/XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. I have contacted the creditors and filed police complaints, among other actions, to dispute these matters with the appropriate persons. But despite my best attempts, these things are still listed on my credit record. I ask that you look into this issue more thoroughly and delete these false entries from my credit report as soon as you can.
Consumer complaint received 2024-10-30
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. (TX)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2022-10-15
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. (CA)

I ordered a copy of my report XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts listed below. I believe it was reporting in error. 
XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXXXXXX XXXX  XXXX Balance : {$2600.00}
Consumer complaint received 2022-08-17
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. (NY)

On XX/XX/2022 I submitted a dispute with equifax on three different accounts in charge off that had inaccurate information reported for over 2+ years ; and instead of taking the 30 days to investigate. Equifax immediately on XX/XX/2022 allowed the data furnisher to modify the credit report to update the information they failed to report accurately in the first place. And because the accounts were reported incorrectly I requested the accounts be removed but instead modified the information and refuse to change it. 
I have also submitted disputes with XXXX but once their investigation was complete their dispute center and telephone service refuses to let me submit another dispute. 

XXXX  XXXX : {$770.00} XXXX XXXX : {$530.00} XXXX XXXX  : {$260.00}
Consumer complaint received 2023-04-17
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. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX Balance : {$240.00} ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX.
Consumer complaint received 2023-11-30
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)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2023-11-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Innovative Funding Services, L.L.C. (MD)

On XX/XX/2023, I executed a vehicle lease buyout through Innovative Funding Services DBA Tresl. On XX/XX/XXXX, I notified my finance advisor that the loan documents incorrectly charged me sales tax and original leasees in Maryland do not have to pay additional sales/excise tax on lease buyouts. Even after providing the statutory language, the advisor disagreed. I also pointed out at this time that the lease documents charged me a new registration fee of {$290.00} when I would in fact be keeping the current tags and registration. In XX/XX/2023, after I still had not received a new title in the mail and several phone calls, I was told that I would be refunded if the MVA did not charge Tresl once they finally submitted my title paperwork. In XX/XX/2023, I resumed emailing about the sales tax and registration fees after the MVA confirmed that Tresl had finally submitted my title transfer, two months after my loan was executed. Tresl continued to state that I was not owed any refunds. I then went back to the MVA, who has refunded me the sales tax, which was incorrectly billed because Tresl did not submit the appropriate forms at the time of titling, and MVA informed me that the refund for the {$290.00} registration fee must come from Tresl because the state never charged them for new registration. Tresl has shared the new title with tag transfer XXXX receipt confirming that they were never billed {$290.00} for new registration. Since XXXX, my calls to Tresl and my title specialist go straight to voicemail. They also no longer respond to my emails.