davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-08
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. (MS)

Im sure Ive been paying on time, yet there are some months where Ive been reported as late, which shouldnt happen. USC 1666b states that any billing errors must be corrected and the account updated to show it was paid as agreed.
Consumer complaint received 2023-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Klarna AB (LA)

I had a Klarna card payment of {$200.00} due on XX/XX/XXXX and this payment was set up on autopay. I went to the klarna card website and selected that XX/XX/XXXX payment specifically and was able to choose each installment that was part of that payment that I wanted to pay early on XX/XX/XXXX. I have done this before and the automatic payment will adjust to reflect the payments that I paid early. This did not happen in this case. I thought it odd that I didnt get the emails that I usually do when I pay early. On XXXX the XXXX the installments that were part of the Klarna card payment were deducted ( not pended ) from my bank account. Then on the morning of XX/XX/XXXX I noticed that the {$200.00} was pending and reached out to Klarna support via chat. I explained to the age that I did not owe the {$200.00} and that I made $ XXXX in early payments so I should only be drafted for the balance which was {$81.00}. The agent assured me that the pending charge would adjust to the correct amount. Not an hour later that {$200.00} charge was drafted from my account and was no longer pending. I reached out again no less than 5 other times by chat and phone as well as filing a complaint with the XXXX XXXX XXXX. I was asking that the additional {$140.00} payment which was made in good faith to be allocated to the payment due on XX/XX/XXXX be returned since they drafted the {$200.00} anyway. I advised them that I wanted to fix the situation because if I disputed the charges with my bank my banks position is that its all fruit from the same poison tree so they were going to reverse the {$200.00} plus the {$140.00} and they will block Klarna so they can never debit my account again for any reason. Meaning that Klarna would get nothing. I did not want this to happen. I only wanted a resolution that would have them keep the funds that I owed them, I would get back the funds that were part of an eary pay for that payment and I could resume making payments for any other balances owed. Klarna 's response was that they were keeping all the funds and if I wanted my money back I needed to dispute with my bank. Putting me in a position where I have no other means to pay them if they will be forever blocked from debiting my account. When I brought this up I was told they would just send me to collections.
Consumer complaint received 2023-03-10
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: EQUIFAX, INC. (IN)

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. 

XXXX XXXX : # XXXX, XXXXXXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXXXXXX : # XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 : 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 person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2021-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Elevate Recoveries, LLC (FL)

On XX/XX/XXXX I reached out to Elevate Recoveries XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX about 2 bills being reported on my credit report. I asked them to validate the debt the collected and they refused to do so. I was rudely spoken to as well as the phone hung up in my face once I ask for the debt to be violated. The services are listed as they were via my credit report : XX/XX/XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX I would like the delinquent account that could not be proven as mine to be deleted from my credit report or else I'm filing a lawsuit for not only the 4th amendment violation, but reporting of unverifiable information being reported on my credit report. I am giving 30 days from today before I take action against them
Consumer complaint received 2023-03-06
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. (TX)

On XX/XX/, I sent a certified letter to Equifax via USPS ( Tracking # XXXX ). The letter was received on XXXX XXXX XXXX  per USPS. The letter is attached. In the letter, I inquired about unauthorized hard inquiries to my report. The letter included all of my identifying information, as well as the specific hard inquiries in question. The letter cited section 609 of the Fair Credit Reporting Act, requesting all documentation and information in my file of the time of the request and the source of the information around the inquiries I asked about. The inquiries do not have permissible purpose, nor did I authorize the inquiries. Additionally, the letter requested that, if Equifax was unable to provide the documentation regarding the inquiries, Equifax should remove the inquiries from my report. On XX/XX/, Equifax sent the standard letter regarding an opened dispute. For each company I requested information regarding the inquiries. With each hard inquiry in question, they stated the following for " Status '' : " INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. '' The letter did not contain any accompanying information regarding the specific inquiries as requested. Additionally, I did not open a formal dispute with Equifax, I simply requested the information and documentation regarding the hard inquiries, including, but not limited to, documentation showing that I authorized these hard inquiries. And if they could not produce the documentation, they should remove the hard inquiries from my report.
Consumer complaint received 2023-03-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NJ)

Mohela did not process all of my PSLF applications. They are closing it as a duplicate or canceling it. There isnt a duplicate or at least an approved one so this pushes the processing time even further due to their mistake. I have attached a copy of each of the applications that were either not processed or processed incorrectly. Personal information has been redacted for security purposes, but the information was present when submitted to Mohela.
Consumer complaint received 2023-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2022 I went to the atm located at XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX at about XXXX to deposit my rent money which was due on that day. I first took the money off another card and started my deposit. I then deposited {$410.00} to start depositing my rent money. The machine accepted it and then when I went to add more cash the screen went blank and cut off. I figured no big deal Ill come back wen the bank opens but got an email from the bank saying that they knew there was a problem but would have it resolved in the next 5 days. In the meantime my bank account would now go into a negative status because my bills started to come out. In the meantime 5 days pass and now it is the XXXX of XXXX and no resolution and my rent is late because part of my money was lost in the transaction. I called and then was told I had to file a claim and wait another 10 days and I still called almost everyday to resolve this because now I am about to be evicted. A woman reached out to me from Wells Fargo and told me that if I fax over a letter from my apartment complex and insurance company and any other evidence I have of this problem they would take care of it. That was a lie. I wrote the ceo twice to have a resolution and no response and finally they reversed the transaction on or about XX/XX/XXXX ( which was so late it just covered the late fees and overdraft fees I incurred ) didnt help at all. It was too late.. had to pay lawyer fees, late rent fees, insurance cancelled and still owe the {$290.00} and barely able to save my apartment because I had no money. They didnt even try to help although they said they were. I filed another claim and XXXX called while I was at work and left a message and Ive called him back several times and left messages and that was a month ago and he has never returned my calls. They finally closed the account with a negative balance over {$800.00} and expects me to pay that but its not my fault the balance is {$800.00} because of their error they could have fixed with a simple hardship deposit of my {$410.00} until they resolved the issue but let my account slide into negativity.. there is a ton more of our conversations but I would need a whole notebook to write all this down. I have a lot of emails etc as well. I have names of people I talked to and dates and times. Im so upset because of what has occurred
Consumer complaint received 2021-02-01
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: ERC (OH)

Enhanced Recovery Original collector : XXXX Iv never had sprint as a cell phone carrier this needs to be removed Alleged amount owed : {$4500.00} XX/XX/XXXX as showed on my credit report
Consumer complaint received 2024-10-08
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. (WI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI, XXXX XXXX XXXX [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX To Whom It May Concern : Subject : Violation of Consumer Rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 I am writing to formally lodge a complaint in accordance with the Fair Credit Reporting Act ( FCRA ) regarding multiple violations of my federally protected consumer rights. The following accounts have infringed upon my rights to privacy, confidentiality, and accuracy under 15 U.S.C. 1681 : Account Name : XXXX Account # XXXX Account Name : XXXX  XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX  Account # : XXXX Account Name : XXXX XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX  Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Outline of My Rights Violated Under the FCRA : Right to Accuracy ( 15 U.S.C. 1681e ( b ) ) : Credit reporting agencies must ensure that information they report is accurate, complete, and up to date.

Right to Privacy ( 15 U.S.C. 1681b ) : Your credit report can only be accessed by parties with a permissible legal purpose.

Right to Dispute ( 15 U.S.C. 1681i ) : You have the right to dispute inaccurate or unverifiable information, and agencies must correct or remove it if it can not be verified.

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take the necessary actions to ensure compliance with the FCRA. I look forward to a prompt resolution and appreciate your attention to this matter.

Please keep me informed regarding the status of this complaint. Should you require any additional information or documentation, I am prepared to provide it. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-07-08
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I did not authorize this company to run my credit after the loan was granted to me, I let the company know that they were violation my consumer rights and I was going to complain. They told me that they were going to take legal action they said they were going to sue me for the past due balance. I want this account closed and paid off, and I would like to be compensated for them running my credit.
Consumer complaint received 2023-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (NY)

I received a letter from Barclays Bank stating they needed more information for a Master Credit card that I did not request and was a fraudulent ID theft using my personal information. I called a number of times in order to confirm by letter that the fraudulent account was not mine and that I would not be liable for the account and that it should be removed from my credit report. I have called countless times and wrote two letters to resolve this issue and I am still waiting for their response to this issue from XXXX XXXX, 2022.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

I recently updated my credit report and found that an account I had previously disputed and removed because of identity theft has been reinserted without any notification to me. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), if any account that was removed from my credit report is put back, I must be notified in writing within five business days. I did not receive any such notice, which violates my rights. This account is not mine and is the result of identity theft. Under the FCRA, 15 U.S.C. 1681c-2, accounts that are proven to be from identity theft should be permanently removed from my credit report once identified. By putting this account back on my report without telling me and without my consent, the credit bureau has broken the law and violated my rights. I am asking that this account be immediately deleted from my report again and that I am provided with written confirmation of this. I also want to make sure that my rights are respected in the future, and that no more fraudulent accounts are added back to my report without following the proper procedures.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-10-08
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: Experian Information Solutions Inc. (PA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-10-08
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)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

I filed an online dispute with Equifax letting them know that their credit report was incorrect on an account. Letting him know that the balance of the account is wrongly reported that I do not owe that amount of money.the credit card limit is XXXX and the balance is XXXX that is correct.
Consumer complaint received 2024-08-23
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 recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies. 
The account listed are not transactions done by myself.
Consumer complaint received 2023-01-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

I woke up on XX/XX/22 and chase restricted my account. When I tried to log in to my mobile banking a pop-up appeared for me to call a chase phone number. After calling the number i was informed that my account was closed and I can not open any new accounts with my name with no explanation. I don't understand why that is since I haven't done anything wrong or had suspicious activity on the account. I would just like to find out the reason for my accounts being closed.
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

I am a natural, I am a living being, I have rights 15 USC 1681. 

Equifax is govern 15 USC 1681. And they violated my right numerous of time. I demand the accounts listed below be removed because : According to 15 USC 1681- I have the right the privacy and did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OK)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-02-01
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. (CA)

I am in the process of buying a house and today XXXX/XXXX/21 the agent I am working with ran my credit and told me that i would not be approved for a home loan at this time due to an account reflecting badly on my credit report. The account is from this company ; XXXX XXXX XXXX. I do not have any contract or agreement with that company and I am not responsible for that account. I also noticed this address on my report which I have never lived at. XXXX XXXX XXXX XXXX CA XXXX. I don't know why this account and address are on my credit report but I have already filed a police report in hopes of getting this resolved so I can finally buy a home.