davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-10
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. (FL)

Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account XXXX Creditor Name : XXXX Dear CFPB, I am writing to formally file a complaint against XXXX for inaccurately reporting a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ).

CARES Act During the national emergency caused by the COVID-19 pandemic, I applied for and was approved for a financial relief program provided by XXXX Under the CARES Act, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law. Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit
history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report.

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by XXXX about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under TILA.

Request Therefore, I request that the CFPB investigate this matter and require XXXX to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect. 

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-10
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. (FL)

Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account XXXX Creditor Name : XXXX Dear CFPB, I am writing to formally file a complaint against XXXX for inaccurately reporting a charge-off account XXXX my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

CARES Act During the national emergency caused by the XXXX pandemic, I applied for and was approved for a financial relief program provided by XXXX Under the XXXX XXXX, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law. 

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report. 

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by XXXX about XXXX the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under XXXX. 

Request Therefore, I request that the CFPB investigate this matter and require XXXX to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect. 

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-10
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. (FL)

Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX Dear CFPB, I am writing to formally file a complaint against XXXX for inaccurately reporting a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

CARES Act During the national emergency caused by the XXXX pandemic, I applied for and was approved for a financial relief program provided by XXXX. Under the XXXX XXXX, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law. 

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report. 

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by XXXX about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under XXXX. 

Request Therefore, I request that the CFPB investigate this matter and require XXXX  to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect. 

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.15 U. S. C 1681 section 602 A. States I have the right to privacy.15 U. S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

While my fianc was helping me get a plan in place to pay off debt, we noticed that my account balance hasn't lowered in over a year. 

This was due to a recurring fee on my Citibank credit card called " Payment Safeguard '' which was charging me about {$94.00} a month going back two years ( which is as far back as my online statements go ). 

After doing a bit of research we saw that Citibank had to refund {$700.00} XXXX to credit card customers for this exact unfair and deceptive practice! 

We called to cancel ( which we did ) but were told we would not be refunded because she said I signed up for the safeguard in 2012, which is simply not true, in fact, that's exactly when they were sneaking these fees onto consumers cards.
Consumer complaint received 2019-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (FL)

delay in processing application and after 45 min and talking to 3 people, i was denied a credit card from Citibank application ID XXXX i feel like Citibank discriminated against me because im XXXX
Consumer complaint received 2021-04-29
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: Paypal Holdings, Inc (CT)

On the night of XX/XX/XXXX of 2020 I purchased 3 items on line for a total of {$510.00} from XXXX and pay pal was a third party. The side was ended to be fake and I was scammed. The transition appeared in my card as PayPal superstore and it said I bought the stuff from a wired side which wasnt XXXX XXXX. I immediately called the number on the back of the card and they cancelled my card but the transaction was through so they filled a dispute with PayPal. I called the real XXXX XXXX and they didnt have any records of the purchases so they said I was scammed and it have happened to other people. I dont know why pay pal wont give me my money back because they know it was a scammed. I have done some investigations and there is around 145 people that have been suffered the same scam that I had. In addition Pay pal know I didnt got the items that I purchased not knowing that I was dealing with a fake side instead of the real XXXX XXXX. According to my bank the items were delivered to New Jersey and I live in CT. I put my correct address when I did the purchases but still the items were delivered to New Jersey.
Consumer complaint received 2024-10-10
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. (FL)

Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX XXXX Dear CFPB, I am writing to formally file a complaint against XXXX XXXX for inaccurately reporting a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ).

CARES Act During the national emergency caused by the COVID-19 pandemic, I applied for and was approved for a financial relief program provided by XXXX XXXX . Under the CARES Act, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law.

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report.

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by [ XXXX XXXX ] about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under TILA.

Request Therefore, I request that the CFPB investigate this matter and require XXXX XXXX to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect.

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-01
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: EQUIFAX, INC. (MI)

An accordance with the fair credit reporting act XXXX  account number XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written consent.
Consumer complaint received 2024-10-10
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. (FL)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Dispute of Inaccurate Late Payments under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX XXXX XXXX XXXX  Dear CFPB, I am writing to formally file a complaint against XXXX XXXX XXXX XXXX for inaccurate information on my credit report related to late payments. These late payments have been erroneously reported and are inconsistent with the protections provided under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ).

CARES Act During the national emergency period due to COVID-19, I applied for and was approved for a financial relief program provided by XXXX XXXX XXXX XXXX. Under the CARES Act, my account was supposed to be reported in a favorable status as a payment deferral was granted. Despite complying with the terms of this program, my credit report shows late payments, which constitutes a violation of this law.

Fair Credit Reporting Act ( FCRA ) Under the FCRA, creditors and credit reporting agencies are required to report accurate information. In this case, the information on my credit report is inaccurate and is unfairly damaging my credit history. I request that the CFPB intervene to ensure that a proper investigation is conducted and that the incorrectly reported late payments are removed. 

Truth in Lending Act ( TILA ) Under the Truth in Lending Act ( TILA ), creditors are required to provide clear and complete terms, as well as accurate communication regarding any loan modifications. I was not adequately informed by XXXX XXXX XXXX A about how the relief program would impact my credit history, which is a violation of TILA. 

Request For these reasons, I request that the CFPB intervene to investigate this matter and ensure the removal of the inaccurately reported late payments from my credit report. I am attaching supporting documents that demonstrate I was part of a financial relief program and that these negative reports should have been avoided. 

I trust the CFPB will take immediate action to resolve this issue in accordance with the applicable laws and in the interest of consumer protection. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-10
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. (FL)

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX Re : Dispute of Inaccurate Late Payments under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX XXXX XXXX XXXX Dear CFPB, I am writing to formally file a complaint against XXXX XXXX XXXX XXXX  for inaccurate information on my credit report related to late payments. These late payments have been erroneously reported and are inconsistent with the protections provided under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ).

CARES Act During the national emergency period due to COVID-19, I applied for and was approved for a financial relief program provided by XXXX XXXX XXXX XXXX Under the CARES Act, my account was supposed to be reported in a favorable status as a payment deferral was granted. Despite complying with the terms of this program, my credit report shows late payments, which constitutes a violation of this law.

Fair Credit Reporting Act ( FCRA ) Under the FCRA, creditors and credit reporting agencies are required to report accurate information. In this case, the information on my credit report is inaccurate and is unfairly damaging my credit history. I request that the CFPB intervene to ensure that a proper investigation is conducted and that the incorrectly reported late payments are removed. 

Truth in Lending Act ( TILA ) Under the Truth in Lending Act ( TILA ), creditors are required to provide clear and complete terms, as well as accurate communication regarding any loan modifications. I was not adequately informed by XXXX XXXX XXXX A about how the relief program would impact my credit history, which is a violation of TILA. 

Request For these reasons, I request that the CFPB intervene to investigate this matter and ensure the removal of the inaccurately reported late payments from my credit report. I am attaching supporting documents that demonstrate I was part of a financial relief program and that these negative reports should have been avoided. 

I trust the CFPB will take immediate action to resolve this issue in accordance with the applicable laws and in the interest of consumer protection. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-10
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX Re : Dispute of Inaccurate Late Payments under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX XXXX XXXX XXXX  Dear CFPB, I am writing to formally file a complaint against XXXX  XXXX XXXX XXXX for inaccurate information on my credit report related to late payments. These late payments have been erroneously reported and are inconsistent with the protections provided under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). CARES Act During the national emergency period due to COVID-19, I applied for and was approved for a
financial relief program provided by XXXX XXXX XXXX XXXX Under the CARES Act, my account was supposed to be reported in a favorable status as a payment deferral was granted. Despite complying with the terms of this program, my credit report shows late payments, which constitutes a violation of this law.

Fair Credit Reporting Act ( FCRA ) Under the FCRA, creditors and credit reporting agencies are required to report accurate information. In this case, the information on my credit report is inaccurate and is unfairly damaging my credit history. I request that the CFPB intervene to ensure that a proper investigation is conducted and that the incorrectly reported late payments are removed.

Truth in Lending Act ( TILA ) Under the Truth in Lending Act ( TILA ), creditors are required to provide clear and complete terms, as well as accurate communication regarding any loan modifications. I was not adequately informed by XXXX XXXX XXXX A about how the relief program would impact my credit history, which is a violation of TILA.

Request For these reasons, I request that the CFPB intervene to investigate this matter and ensure the removal of the inaccurately reported late payments from my credit report. I am attaching supporting documents that demonstrate I was part of a financial relief program and that these negative reports should have been avoided.

I trust the CFPB will take immediate action to resolve this issue in accordance with the applicable laws and in the interest of consumer protection.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-10
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. (TN)

I discovered inaccuracies on my credit report, as outlined in 15 USC 16c-2, which I believe are affecting my creditworthiness. The inquiries listed were not authorized by me.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-10
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. (TX)

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2021-03-05
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. (SC)

Hello, I sent off my first set of letters but I havent gotten a response yet from the credit bureau its been mored then 30-45 days. Im very concerned! I got my 2nd set of letters in the mail today XX/XX/2021. Can you please let me know whats going. All 3 credit bureaus haven't sent me no updates its been past time.
Consumer complaint received 2021-07-31
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: Experian Information Solutions Inc. (NV)

Inquiries below ain't mine they are fraudulent. Please remove as soon as possible. They should not be on report. XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX.