davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-07
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. (IL)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX XX/XX/XXXX in the amounts of {$450.00}, XXXX XXXX XX/XX/XXXX in the amount {$280.00}, XXXX XXXX  XXXX XX/XX/XXXX in the amount of {$0.00}, XXXX XXXX XXXX XXXX in the amount of {$0.00}, XXXX XXXX XX/XX/XXXX in the amount of {$690.00}, XXXX XX/XX/XXXX in the amount of {$27.00}, XXXX XXXX XXXX XX/XX/XXXX in the amount of {$1100.00}, XXXX XXXX XX/XX/XXXX in the amount of {$200.00}, XXXX XXXX XXXX XXXXXX/XX/XXXX in the amount of {$260.00}, XXXX XXXX  XXXX XX/XX/XXXX in the amount of {$47.00}, XXXX XXXX XXXX XXXX in the amount of {$0.00}, XXXX XXXX XX/XX/XXXX in the amount of {$0.00}, XXXX XXXX XXXX XXXX in the amount of {$0.00}, Self financialLead BA XX/XX/XXXX in XXXX amount of {$0.00}, Mobile account ; XXXX XXXX XX/XX/XXXX in the amount of {$1000.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX, XXXX, XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit card accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-07
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. (FL)

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 2018-08-24
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. (TX)

I am writing to CFPB being I'm a service member serving in the XXXX XXXX XXXX by which I have a complaint and would like for this item to be removed being I have followed and sent the required doument of ( SCRA ) Service Members Civil Relief Act a while back and they are reporting incorrect information and information that is not mines. From the several complaints written here on the consumer financial protection bureau from similiar service members and veterans I am requesting that the following inaccurate items be immediately investigated. Please delete this misleading information in order to show my true credit history. By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand that the following items be re-verified and deleted from my record. 

These are the companies that are all 3 of my credit reports that are inaccurate and not mine : XXXX XXXX / XXXX / XXXX XXXX
Consumer complaint received 2018-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (CA)

XXXX has been non-compliant with removing the unverified account SPRINGLEAF which has been deleted by XXXX   and XXXX. XXXX  and XXXX have both completed their research and determined that SPRINGLEAF was not established by myself buXXXX XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-03-08
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. (MO)

I disputed inaccurate Bankruptcy on my credit report with court was told they don't report to the credit nor do they verify any information with the credit bureaus. But the credit Bureau keeps reporting this as accurate. I have also received a email from the bankruptcy court & XXXX XXXX saying they don't report to the credit .The credit bureaus are violating the fcra also the fdcpa by reporting inaccurate information and can't provide valid information
Consumer complaint received 2023-02-09
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. (CA)

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I reached out to Experian via mail sent out on XXXX. I followed up with a complaint in the CFPB on XX/XX/XXXX. In my complaint, which will also be attached to this complaint, I asked Experian to open an investigation into account XXXX on XX/XX/XXXX in my complaint I asked them to verify this account because I reached an agreement with XXXX where they agreed back on XX/XX/XXXX we agreed that If I make a lump sum payment, XXXX XXXX  Bank would remove all negative information from my credit file associated with the debt. I kept my end of our agreement and paid the complete {$2400.00} hoping that XXXX XXXX XXXX would do the same. However, I obtained a copy of my Credit report and as of Today XX/XX/XXXX XXXX XXXX XXXX is still reporting negative information regarding this account. According to the FDCPA has a strict list of laws that Debt Collection agencies must follow and XXXX violated the law by misleading me and continuing to report information that they agreed would be removed. To make matters worse I also went to the CFPB regarding the XXXX XXXX account where they neglected to address my complaint. This is a clear factor that XXXX XXXX  not only violated the law by breaking Section 808 ( 1 ) but they also continue to submit information to the Bureau that is INACCURATE and goes against the FDCPA. The Bureaus have a duty to ensure that consumers have a credit report that is 100 % accurate. This is my second Formal complaint to the Bureaus regarding this account. It is against the Law to report information that is knowingly inaccurate. This account should NOT be on my credit report and needs to be deleted IMMEDIATELY. I have also included the copy of my CFPB complaint sent directly to XXXX XXXX regarding this account as means to prove that any and all negative information regarding XXXX  I still appreciate Experian 's swiftness in responding. However the FCRA allows companies 30days for a investigation into an account. We have lost several days for Experian to investigate a account that is legally NOT allowed on my credit report. I expect them to expedite their investigation and remove this account from credit profile!
Consumer complaint received 2023-02-09
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (GA)

Due to the recent Wells Fargo settlement of XXXX, I believe I am entitled to compensation due to the terms outlined. I was a Wells Fargo Banking Customer from XXXX, the time in which the settlement says Wells Fargo harmed its consumers with illegal activities. I have not been contacted about my involvement with the settlement as of yet, which was required. I have cause to believe that I am eligible to be compensated from this settlement, and would request communication of that.
Consumer complaint received 2023-02-09
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (AR)

To whom it may concern. I am scheduled to close this Friday, XX/XX/XXXX, on a property for my primary residence. However, today, XX/XX/XXXX, I gathered an understanding that the mortgage company, Select Portfolio Servicing, who serviced my former home mortgage for XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, that I filed in XXXX XXXX bankruptcy in XX/XX/XXXX, did not foreclose on the property because they wrote it as a charge-off. Moreover, they have a lien against me for {$7000.00} for past-due payments and other fees. My complaint is two-fold. First, they still need to enter a resolution for the property. Because at this time, I am still the owner and responsible for the taxes and insurance, even though I surrender the parcel back to SPS within the bankruptcy. But more importantly, the lien violates bankruptcy regulations to cease and desist because the property was liquated. SPS continued to send me monthly statements during the bankruptcy and for four months afterward. Then in XX/XX/XXXX, SPS mailed a letter stating that the debt was charged-off and that a lien was placed against me for the past due payments totaling the stated amount above. Interestingly, I noticed when I reviewed the old statements that the account due date was XX/XX/XXXX, and the last time a payment was made on the property was XX/XX/XXXX. 
I must be transparent. I realized today that the debt was charged-off and that SPS placed the responsibility for the taxes and fees back on me. Moreso, when they sent statements, I did not report them because they were misleading. They stated, " our records show that either you are a debtor in bankruptcy or you discharged personal liability for your mortgage loan in bankruptcy. '' Additionally, the statement was sent for informational purposes only, yet they placed a lien against past due balances that SPS says I owe.

I need SPS to change the status of the mortgage loan I had with them to " loan forgiven '' and release the lien. I ask this because I did my part filing for XXXX XXXX bankruptcy and completed what was required. However, the " charge-off '' statement means poor performance. It's baffling that SPS has penalized me for a debt I was no longer responsible for. I have contacted SPS to have this resolved. But because per the representative, I am responsible for the remaining debt because the {$45000.00} was charged off, and they had no record of my bankruptcy, even though it states I filed bankruptcy in the documents they sent me. And per the representative, their records said XXXX XXXX and charged off. 

I appreciate your prompt response to this matter.
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2024-09-30
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NY)

I have a XXXX credit card through CitiBank/Best Buy. On XX/XX/XXXX the credit limit was {$5500.00}. On XXXX I made a payment of {$3000.00} to lower my debt on the card in anticipation of a charge that was going to be made. A few days later, that charge was placed on my account for a maximum of {$330.00}, but it could have been lower, it was a lottery charge. On XXXX I received notification that my credit limit was being dropped down to {$3100.00} where it currently stands. This was immediate and with no warning. I had no room to dispute or ask for delay. I immediately placed another payment of {$500.00} so the charge of {$330.00} would clear, as this would place my account far too close to the credit limit. I had to previously ask credit services to push through the {$3000.00} charge, and they were kind enough to do so. But this time with the {$500.00} it was a total nightmare. I spent a good chunk of the day on the phone being passed around different departments and at one point was even referred to XXXX who had nothing to do with the payments. They eventually pushed my payment through, and I lost out on the purchase. It was declined, and I lost my chance at what I was trying to purchase. 

I have made XXXX payments of {$200.00} since, and not a single one of them has lowered my credit balance. Citi seems to be refusing to apply my payments to my balance. I am not going to go through the process of calling and fighting with them again. I am also worried they will drop my credit limit again out of spite. I have being continuously denied more charges because of this despite clearly having the proper account balance. The discrepancy is in the " available credit '' which they will not lower. Today, my account balance shows over {$500.00} less than the credit limit, but my available credit is negative {$83.00}. I had to fight them again today just to get my account semi-cleared to use for something else, and I still couldn't use it to the full capacity.
Consumer complaint received 2018-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. ()

XXXX XXXX Credit Cards Ending In : XXXX & XXXX XXXX XXXX XXXX Cards Ending In : XXXX & XXXX XXXX XXXX XXXX Card Ending In : XXXX There is no balance owed on any of my credit cards by any bank as showing by Credit Bureaus
Consumer complaint received 2024-10-07
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)

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone Number : ( XXXX ) XXXX Social Security Number : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of : 1. XXXX XXXX XXXX XXXX Account Number : XXXX Date of Adverse Information : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Date of Adverse Information : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Date of Adverse Information : XX/XX/XXXX XXXX. XXXX Account XXXX : XXXX Date of Adverse Information : XX/XX/XXXX XXXX. Department of Education Account Number : XXXX Date of Adverse Information : XX/XX/XXXX XXXX. Department of Education Account Number : XXXX Date of Adverse Information : XX/XX/XXXX These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Consumer complaint received 2024-10-07
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-10-07
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. (NC)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2023-02-09
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. (TX)

I would like to file a complaint against three credit reporting agencies for continuing to reporting a bankruptcy which that was verified through a third-party. not from my own filings or from a court. This is a violation of my rights as a consumer and a violation of the Fair Credit Reporting Act. This violates Section 603 ( q ) ( 3 ) ( A ) ( i ) ( I ) of the Fair Credit Reporting Act ( FCRA ) which states that a credit reporting agency shall not furnish any items of credit information unless the source of such information is a person who has been certified as an agent of such agency. 

Furthermore, similar court cases, such as Mitchel v. Experian Information Solutions , Inc. ( 2011 ) have also found such practice to be in violation of the FCRA. In this case, the court noted that the credit bureau must get its information directly from a certified source to provide accurate information. Therefore, I believe the credit bureau should not have reported bankruptcy which was verified through a third-party and violated my rights under the FCRA. 

I demand that the credit bureaus immediately remove the bankruptcy entry from my credit report. In addition, I demand that you provide me with an updated copy of my credit report. Furthermore, I demand that you provide me with a written apology detailing your mistake and the corrective action taken to address this issue. 


Sincerely, XXXX XXXX
Consumer complaint received 2018-02-21
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. (MD)

I financed my vehicle with XXXX XXXX in XX/XX/XXXX and was to make my first payment XXXX first XXXX. I made this payment then my due date changed to the 15th of every month. So my next bill was not due until XX/XX/XXXX. On XX/XX/XXXX my credit score dropped 24 points for non payment of XXXX which was not due yet. I called XXXX and they told me they did not report false information and I need to handle it with Experian myself. Then on XX/XX/XXXX I made my payment days before it was due. In XX/XX/XXXX XXXX again reported again that I am late and my score dropped an additional 80 points. I have all my documents to prove my side. I was in the process of buying a house, which I had to put on hold because of the dramatic drop in my credit score.