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

XXXX XXXX ), ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Student Loans DEPTEDXXXX  opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance {$2800.00} DEPTEDXXXX  opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance {$280.00} DEPTEDXXXX opened on XX/XX/XXXX ( last reported date on XX/XX/XXXX ) account number XXXX balance {$4200.00} DEPTEDXXXX opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance {$3500.00} DEPTEDXXXX opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance {$7100.00} DEPTEDXXXX opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance {$5100.00} DEPTEDXXXX opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance {$2000.00} DEPTEDXXXX opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance {$3900.00} DEPTEDXXXX  opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance {$7500.00} DEPTEDXXXX opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance of {$7500.00} DEPTEDXXXX opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance of {$5000.00} DEPTEDXXXX opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance of {$4900.00} DEPTEDXXXX opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance of {$4800.00} Credit Card XXXX XXXX opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance of {$0.00} Secured Loan XXXX opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance of {$0.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 ( XXXX ) # XXXX ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

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 2022-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CLGF Holdco 1, LLC (NC)

My grievance is with CB Indigo who is also known as XXXX XXXX XXXX They are reporting that I have an account with them that has been closed and that I owe them {$610.00} for this credit card. The problem with this is that the card is not mine, I do not and have not ever had any contracts with this company, and when I brought to their attention not only did they continue reporting this negative tradeline to the credit bureaus, but they didn't even bother to respond to my complaint. 

By their failure to respond to my complaint, and correct their erroneous reporting, they are in violation of the Truth in Lending Act 15 U.S.C. 1643 ( b ). This federal law states that the card issuer has the burden of proof to show that a consumer has authorized the card issuer to make him or her liable on all the charges to a credit card account. I am not and have never entered into a credit agreement for this account. Therefore, this account must be deleted from my credit report. 

The state of North Carolina also prohibits the actions that CB Indigo has taken regarding this negative tradeline. According to a law review done by XXXX XXXX XXXX ; Authorized user : " Courts have generally agreed that a consumer who has not entered into a credit agreement, but is merely an authorized user on another persons account, is not liable for charges made by the cardholder. Under the Truth in Lending Act at 15 U.S.C. 1643 ( b ), the card issuer has the burden of proof to show that a consumer has authorized the card issuer to make him or her liable on all of the charges to a credit card account. '' So again, I am demanding CB Indigo remove the tradeline they are reporting to the credit bureaus under my social security number immediately!
Consumer complaint received 2022-11-25
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: CITIBANK, N.A. (VA)

On XX/XX/XXXX, Citibank alerted me to over {$1500.00} in suspicious charges. I responded immediately that this was fraud, that I did not make those purchases. The charges disappeared from my account. In the brief time they were posted to my account online, I saw that they were charges to XXXX, a merchant I haven't shopped at in years. 
Citibank closed my account immediately and sent me a new card with a new account number. I received an online notification that a disputed charge of {$310.00} had been removed from my account at this time. 
Over a month later, on XX/XX/XXXX, XXXX mysterious charges amounting to {$1000.00} in all appeared on my new, clean account. They are labeled as XXXX XXXX and all are dated a month or so earlier, from XX/XX/29 to XXXX. In XXXX I also received a notification that a $ XXXX charge was posted to my account due to a billing delay. 
When I reported this to Citibank, they immediately closed the account and issued me a new card with another new account number. 
What they failed to do was remove the twice-disputed charges from my account. I can not dispute the charge online ( that command is not an option, but only for the 3 charges I refer to ). I have called the company and their dispute center at least five times to resolve this. But the charges remain, 6 months later.

Every time I call, it seems like I start from scratch. I am asked if I'm sure the charges are fraud each time and I say so. I am told that a dispute has been opened about them, but I am not given a dispute number or case number. I am told that they will get on it and I will hear back in 90 days. There is no information on my online account about this. No one will call me or send me an email or a letter in reply to this problem. 
I can only conclude that there is unbelievable incompetence at Citibank, or that it is willful and deliberate. Perhaps Citibank hopes that eventually I will just give up and pay the $ XXXX in charges from their errors. 
I should call again, as it has been over 90 days since the second official report of these bad charges. But it is unpleasant, frustrating and ineffective to call them. Since I will not pay these charges, I am not paying my balance in full each month as was my habit. I have been charged interest monthly on these amounts. I received an alert that my credit score has changed, and I doubt that's because my credit score has been improved by this mess. The impact of Citibank 's lack of action is costly and seems never-ending. Can I get help with this please?
Consumer complaint received 2022-11-25
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. (TN)

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. 

Accounts to delete XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, DEPT OF EDXXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXXXXXX, DEPT OF EDXXXX 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 XXXXXXXX Bankruptcy Bankruptcy XXXXXXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 the person knows or has reasonable cause to believe that the information is inaccurate.
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. (MS)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2022-12-19
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: CL Holdings LLC (TX)

15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer report plan as late for purpose.
Consumer complaint received 2022-11-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (IN)

I started receiving a collections notice in XXXX for XXXX insurance because I changed insurance companies! Not once did I receive a letter or a bill from XXXX insurance saying that I still owed them money! Just out of the blue I got a notice from a collection agency! I called them and told them I was disputing it, because I never received a bill from XXXX! All the collection agency said was to call XXXX! If I owe them money, they needed to get a hold of me, and I never received any statement saying that I owe them any money!
Consumer complaint received 2022-11-25
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NJ)

Good day. 

Please note that in reference to my CFPB Complaint # XXXX, I have now received a Decline Letter from CitiBank Best Buy after they informed me I was approved with a counter-offer. This is now unacceptable banking practice. An approval with a counter-offer is a DECLINE? This is just indicating to me that they do not know the difference between an Adverse Action Counter-Offer and a Decline over there. This is unacceptable banking practice. 

Furthermore, the decline letter has 4 adverse reasons... only 1 of which was communicated to me on the phone. The rest of them I just don't understand at all. The adverse reasons I list below. " Proportion of loan balances to loan amounts is too high? '' My revolving debt utilization is presently 5.5 %. Therefore, " Proportion of loan ... '' must be referring to my mortgage ( term debt ) - and that shouldn't be a reason for selecting " Proportion of loans balance to loan amount '' because it's term debt. Principal balance on mortgage debt will also be the credit max on mortgage debt because it's term debt not revolving debt. Even if Proportions of loan balance to loan amount were a system selection, they should know to deselect it. This is unacceptable banking. 

_Length of time revolving accounts have been established????? 
_Too many accounts with balances???? 
_Time since most recent account opening is too short. ( This doesn't change 5.5 % utilization ) _Proportion of loan balances to loan amounts is too high???? 

This is very scary. So was CitiBank Best Buy lying to me on the phone about a counter-offer? Or are they lying now about a decline? Where is the transparency in all this? And as informed as I am, I'm still confused. I can't imagine how confused this would be for a customer less informed. This is wrong. This is unacceptable banking practice.
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. (SC)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 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. (TX)

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. (NY)

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 XXXX  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 2022-11-25
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. (GA)

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 fraud 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 immediately! 
XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$38000.00} XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
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)

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.

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 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 the person knows or has reasonable cause to believe that the information is inaccurate.
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. (TN)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2022-11-25
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
XXXX XXXX XXXXXXXX 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 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