davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-16
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: BARCLAYS BANK DELAWARE (CA)

Hi my complain is with Barclay credit card. i have filed a dispute with them because i ordered a watch with XXXX and they said they have delivered my item at first i said thats not possible i was in the hospital i had a XXXX  XXXX at the time this happened. i PROVIDED THEM ALL MEDICAL RECORDS and i have explained to my credit card company i have never received the item nor did i sign for it or anthing like that. i filled this dispute XX/XX/XXXXXXXX  and i keep getting my credit when i explained to them supplied them evidence this was not me. i have also showed them a proof that the XXXX provided me a wrong XXXX  number originally and i never knew the item went out even. first they said it was delivered to me and when i called and asked to send me proof they told me the item was picked up from XXXX  facility and i have never gone to XXXX  facility i told them multiple times the company dont seemed to care about the little people like me, i have called multiple times i kept being thrown from one rep to another and the case manager called today and said they will not give my money back because the merchant filled with proof its me, when i tried to again explain it to the case manager i have never got an item i have never signed for it i send them an affidavit saying its not me. they still dont seem to care i have also showed them copies of the XXXX website that it shows wrong tracking number they just dont seem to care at all. I dont know what to do at this point when this huge balance is on me and my credit score sinked over XXXX points minimum. Please open this dispute back up again and please check with them i want my money back this is not fair to a customer when again i have never received any items from them originally and had every proof and send them everything on time as they asked. Please re open this case and please ask them to put my money back after their investigation they have send me a copy of the signed item i have also send them my signature the signatures do NOT also match. Below i have attached i was admitted to the hospital XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX  they have scanned me to find the proof and after that i had my myomectomy after getting approval from the insurance. I also attached the proof that i spoke to XXXX they were supposed to put my money back because i didnt want the item to be shipped and shows on their main website this is the XXXX  number i was provided and i keep checking until this day this is the tracking on file that shows there is no tracking found. This should be plenty of info that i did not sign or pick up any items. I think they have made a mistake. also all the conversation with XXXX  i kept telling them to put my money back. Please take a look at below documentation i have also provided the credit card company because its coming up 6 months they are just not caring and they want to close this case.
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

I am reaching out to address a critical matter concerning XXXX XXXX 's inaccurate reporting on my consumer report, disseminated by Experian, XXXX, and XXXX, which I believe constitutes violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s2.

The FCRA clearly states in 15 U.S. Code 1681s2 ( a ) that furnishers of information to consumer reporting agencies have a " duty to provide accurate information. '' The law prohibits the furnishing of any information " if the person knows or has reasonable cause to believe that the information is inaccurate. '' Moreover, the Internal Revenue Service ( IRS ) regulation is explicit, stating, " Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. '' It is crucial to note that the IRS defines a charge-off as gross or ordinary income, emphasizing that " income does not get reported on the consumer report. '' Thus, any reporting of this account as a debt is inaccurate and in violation of IRS regulations. 

On XX/XX/2023, I sent a letter to XXXX XXXX ( XXXX Mail # XXXX ), seeking resolution and clarification. Unfortunately, there has been no change in the account status, which is particularly troubling. As per 15 U.S. Code 1681, transactions history by the consumer should not be reported, and I urge the immediate correction of the account status to reflect " closed and paid as agreed. '' Additionally, the reporting of late payments across all three credit reporting agencies by XXXX XXXX is inconsistent with 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), which prohibits the furnishing of inaccurate information. The law specifically states, " 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. '' In light of the above, I formally request a method and mode of verification for each credit reporting agency to rectify these inaccuracies promptly. 

I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will conduct a thorough investigation to ensure compliance with consumer protection laws. 

Thank you for your time and consideration.
Consumer complaint received 2023-12-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC. (TN)

I requested proof of debt via credit bureaus when this appeared on my account. The company ( XXXX XXXX ) sent me documents that show this was taken out under my social security number in 2019. However, the name and address used was incorrect and old information. It shows it was for a loan with cashnet. I did not take this loan. I asked for information regarding the bank info for where this loan may have been deposited. The documents do not contain my signature. This company provided very little information but will not remove this debt from my name. I did not take out this loan.
Consumer complaint received 2023-12-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Adjustment Service, Inc. (TN)

I have been monitoring my credit report every week and just yesterday a company called Diversified Adjustment just out of the blue added a collection on my account which is not mine. Further I disputes it through the credit bureau and Diversified just reported that it was accurate, even though I have never heard of this company, never have received a phone call or a letter from this company. This company has violated the Debt Collection Rule by circumventing the system and just in secret added to my credit report. I want this debt removed from my credit report and this company sanctioned for their illegal practices of just adding negative information to people 's credit reports without them being aware there is even an issue.
Consumer complaint received 2024-01-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX Credit Bureau continues to commit fraud by reporting inaccurate information on my credit report. The Fair Credit Reporting Act and the Fair Debt Collection Practices Act prohibits creditors from reporting and collecting debt that has been settled, discharged, or is no longer collectable. It stands to reason that creditors may not make credit reports or collect debt after that debt is reported on an IRS form 1099C. Per the FCRA, as a Federally protected consumer I'm now opting out of any and all authorization I the consumer may have given you written or unwritten, verbal or nonverbal per 15 U.S.C. 6802. The law says it's illegal to report transaction history on my credit report per H.R. 4120-Comprehensive Credit Act of 2021. A charge-off is considered a certificate of indebtedness which means it's considered income and income can not be reported on my credit report. According to 15 U.S.C. 6508 I have a right to opt out of the inaccurate information on my credit report. XXXX Credit Bureau is in violation of 16 CFR Sec. 433.2 Preservation of consumer claims and defenses unfair or deceptive acts or practices. XXXX Credit Bureau also violated the Privacy Act of 1974. The inquires on my credit report is in violation of 15 U.S.C. 1681 of the FCRA-Permissible Purposes. Also XXXX Credit Bureau is in violation of the Family and Educational Privacy Act of 1974 by reporting XXXX  loan history. When I signed up for a XXXX loan, I signed a privacy act form that said the school will not provide transaction history to any third-party companies. If my credit report isn't adjusted, I will be forced to file a lawsuit in Federal District Court.
Consumer complaint received 2023-12-16
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. (MD)

I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.
Consumer complaint received 2024-01-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I recently looked at my consumer report and was very upset to see items that are a result of identity theft. I did not provide written authorization or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-15
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CA)

I opened a credit card with citi bank and was told i would receive a credit limit increase after 6 months i funded the card {$300.00} made my payments on time and next thing my account was closed and i was mailed only a {$30.00} check in which i should have received the entire {$300.00} back. it was no reason for the account to closed and i also never requested for my account to be closed. I needed the card to keep my credit limit on my credit report to help my score once my account was closed my score dropped. citi bank has put me in a hardship from closing this account without my permission.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data breachOF EQUIFAX. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. I am also attaching proof that I was a victim of the Equifax data breach, and I kindly request that this information be considered as part of my claim. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX  ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. To following information on my credit report is the result of identity theft and should be blocked : 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 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Ive been complaining to thiscompany Ive been disputing I cant get through. They dont have a phone number. They wont respond. They wont communicate with me. I am not late. I pay this balance up. They are purposely messing up my credit report. Please look at this receipt and update my file. This is ridiculous. I am on time.
Consumer complaint received 2023-12-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WELLS FARGO & COMPANY (WA)

I had a mortgage with Wells Fargo that I was struggling to pay the mortgage and tried repeatedly to modify the mortgage and was denied without any just cause. I ended up loosing the home and it got forclosed. 
I see there was a settlement for the victims and am curious if I qualify for that fund. 
Wells Fargo recently sent me a check for {$200.00} and said during the modification there might have been errors and the money was for the trouble. 
That seems like a horrible resolution for loosing my home with probally has increase in value by a XXXX dollars since it was forclosed upon.
Consumer complaint received 2024-01-06
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. (CA)

In accordance with the fair credit reporting act XXXX accounts # XXXX, # XXXX, # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. estatus I have the right to privacy.

15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-12-15
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (LA)

My spouse is XXXX XXXX military enlisted/serving in the state of Louisiana. Under LA statute XXXX XXXX, credit lenders are supposed to be capped at 6 %. Please adjust my account accordingly. Thank you.
Consumer complaint received 2023-12-15
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. (NY)

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and pr
ocedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Consumer complaint received 2023-12-15
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)

Dear Consumer Financial Protection Bureau, I am writing to express my deep concern regarding the recent response from Experian Information Solutions Inc., dated XXXX XXXX XXXX, which states that they have swiftly verified the inaccuracies on my credit report. It is crucial to emphasize that the disputed information is the result of identity theft, and its fraudulent nature raises serious questions about the thoroughness and compliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

The expedited verification process, especially considering the fraudulent nature of the information, prompts me to seek further clarification on the procedures followed by Experian. According to my understanding of the FCRA, a credit reporting agency is obligated to conduct a reasonable investigation, including contacting the furnisher of the disputed information, within 30 days of receiving a dispute. The rapid response from Experian, given the fraudulent context, calls into question the integrity and legality of their verification process. 

I urgently request that the Consumer Financial Protection Bureau investigates the expedited verification of the fraudulent information by Experian. It is essential to ensure that Experian followed proper procedures in line with the FCRA and FDCPA during this recent update. 

Enclosed are copies of my correspondence with Experian, including their verification response dated XXXX XXXX XXXX. Your prompt attention to this matter is crucial in safeguarding consumer rights and addressing potential violations in the verification process. 

I appreciate your immediate assistance and commitment to upholding consumer rights in credit reporting. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

XX/XX/2023. 

I physically when to a XXXX dealership to purchase a car with a check in hand, with my prequalified letter from my bank proving the check off {$55000.00} was used to purchase a car. 

XXXX bait and switch the contract by forging my name to their in-house deal contract without my knowledge, and proceed to run my credit to multiple financial institution deflating my credit score to low XXXX to appending a high percentage rate of 15.70 % to the price tag of {$28000.00} blooming the price of vehicle to {$44000.00}? 

Leaving me to defend the excessive inquiries and now reporting to my credit with derogatory remarks as of XX/XX/2023.
Consumer complaint received 2023-12-15
Product: Credit 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: SYNCHRONY FINANCIAL (VA)

I made a purchase for an item that was damaged. I requested PayPal to help get the issue resolved. PayPal claims they are there to help and assist customers and merchants but that has not occurred. That was a hassle within itself but due to the hassle and constant back and forth, I was promised a {$30.00} voucher that has not been applied to my account. I have the confirmation in writing and when I reached out to the person helping, she did not respond. I called PayPal and XXXX the supervisor was rude, disrespectful, cut me off, and muted her line for over 5 mins and refused to talk. I asked for her name numerous times and she would not respond. The voucher still has not been applied to my account and I've been on the phone with PayPal for over 30 mins trying to get a simple voucher I was promised.
Consumer complaint received 2023-12-14
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (FL)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Iowa XXXX Re : Identity Theft and Unresolved Collection Account with XXXX Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a matter of significant concern regarding my identity and credit profile. In XX/XX/2020, I fell victim to identity theft, and as a consequence, my personal information was compromised. Since then, I have been diligently working to rectify the aftermath of this incident. 

Among the various challenges I am facing, one specific issue pertains to an unresolved collection account with XXXX. Despite my efforts to dispute the validity of this account, the company has refused to delete it from my credit report. I have attached relevant documentation, including a copy of the police report filed in connection with the identity theft, to support my case. 

The incident of identity theft has had severe implications on my financial standing, and the inclusion of an unjustified collection account on my credit report only exacerbates the situation. I believe that the persistence of this entry is unwarranted, considering the circumstances surrounding the theft and the steps I have taken to rectify the matter. 

I kindly request the Consumer Financial Protection Bureau 's assistance in investigating this matter and facilitating the removal of the XXXX collection account from my credit report. I have made multiple attempts to resolve this issue directly with XXXX through the dispute process, but my efforts have been unsuccessful. 

I trust that your agency, with its commitment to consumer protection, can help bring resolution to this matter. I appreciate your prompt attention to this issue and look forward to a swift and favorable resolution. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX