davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-16
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. (NC)

Subject : Complaint Regarding Account Inconsistencies and Request for Immediate Action Dear CFPB, I am writing to express my ongoing concerns regarding an account and to request a thorough review. Despite my previous attempts, I have been unable to resolve the numerous inconsistencies and obtain proper verification. 

Upon reviewing my credit report on XX/XX/2023, I discovered that XXXX XXXX ( XXXX ) reported varying high balances : {$320.00} with XXXX XXXX {$0.00} with Experian , and {$120.00} with XXXX XXXX I question the validity of these amounts, as they differ among reporting agencies. This issue has persisted for three years, despite my repeated complaints to both the bureaus and the CFPB, including case number XXXX. 

I kindly request the immediate removal of this company and all associated information from my credit profile. 

Thank you for your prompt attention to this matter. I look forward to a resolution.
Consumer complaint received 2024-11-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (MN)

We, XXXX XXXX XXXX, encountered a credit cards transaction problem. The received credit card payments were reversed at some point of transaction and did not come to our account. 

We have lost {$36000.00} for the XXXX through XXXX years because Wells Fargo XXXX XXXX returned payments to our clients. They said that account closed since XXXX  without our knowledge, but we have all the receipts from the transaction. We worked extremely hard to earn this money. Any attempt to recover money from our clients was unsuccessful. Wells Fargo XXXX XXXX is responsible for their action.
Consumer complaint received 2024-11-05
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NC)

To whom this may concern : In XX/XX/year> Synchrony Bank lowered credit limits and then ultimately closed 2 active retail cards ( XXXX XXXX XXXX and XXXX retail cards ) that were in good standing. There were no changes in my credit profile or employment status to justify them to lower limits and close them.

2 charge offs were reported to the credit bureaus which tremendously lowered my scores and credit worthiness. I paid off all balances of closed accounts in full. Synchrony Bank reported them as " Charge Off Pays as Agree ''. I've made numerous attempts to get them to rectify this issue which is affecting my purchasing power for loan accruement such as Mortgages, Auto loans, loan for my daughters wedding etc. From my research Synchrony Bank is notorious for closing active accounts in good standing.
Consumer complaint received 2023-07-16
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. (NC)

ATTENTION LEGAL DEPARTMENT I have been trying to resolve errors on my report and being violated by XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX. 

There is a charge-off being reported on my consumer report that is different from a statement I received from the furnisher regarding account # XXXX.This is a violation of the FCRA pursuant to 15 USC 1681s-2 ( a ) ( 1 ) ( A ). 

A notice of dispute, debt validation, and cease and desist was delivered to this company on XX/XX/23. The response I received regarding a request for debt validation does not comply with section 1692g of title 15. The contract I received is not legible and violates my rights under TILA. 

I am giving the furnisher and alleged creditor a timely response to fix this error and refund me actual damages before I pursue arbitration.
Consumer complaint received 2023-07-11
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. (IL)

This is XXXX XXXX and I am submitting this complaint with the help of the Consumer Financial Protection Bureau to dispute the erroneous account reporting on my Credit File. I was told to pay the balance of the account : XXXX XXXX XXXXXXXX with an account number : XXXX to have this account settled. However, I was baffled to see this account reporting as a negative account upon receiving a copy of my updated Credit Report. The Company promised me to have this account removed if I paid it, and I did so. This account was already paid, giving no rights to be reporting on my Credit File. In accordance with the Fair Credit Reporting Act, I am requesting that this accounts be completely removed from my Credit File.
Consumer complaint received 2021-11-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (GA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

ENHANCED RECOVERY CO L XXXX Balance {$1200.00}
Consumer complaint received 2024-10-14
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: EQUIFAX, 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 2024-10-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. ()

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-08-20
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 am writing to request the removal of certain information from my file. The items in question are listed in the report I have provided. I am a victim of identity theft and did not make the charges in question. I have reported the theft to the Federal Trade Commission and have enclosed copies of the Identity Theft Affidavit. 

Please delete these items from my credit report as soon as possible. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DC)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"
Consumer complaint received 2024-10-31
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: EQUIFAX, INC. (MD)

As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of the law.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and Equifax ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
XXXXt Facts : XXXX is aware and has proof in the attachment labeled as Exhibit B. 
( XXXX ) Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ) . 
The inaccurate reporting of both my account status and payment status by ( XXXX ) Account # XXXX is causing harm to my credit reputation and financial standing. 
All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well-being by falsely stating those non-compliant unverifiable accounts on my report.
Consumer complaint received 2023-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (VA)

in accordance with the fair credit reporting act, 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MY RIGHTS.

15 U.S.C 1681 section 602 A states i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-08-20
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: Experian Information Solutions Inc. (VA)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible 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 2024-10-14
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. (MI)

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 XXXX XXXX XXXX h

as 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 section 2 A. 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 a may make any consumer report containing any of the following items of information any other adverse item of information, other than records other than records of convictions of crimes which antedates the report by mored then 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 2023-04-28
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (TN)

after receiving the catherine 's credit card, I tried making a purchase, with the help of a customer service rep, discount codes weren't working, agent, then stated the orders had to be cancelled, and restarted, however, now that order appears to linger in my account, therefore, I have made several attempt to call customer service, to see if issue has been resolved, and for the entire months of XXXX and XXXX, I have only been getting the runaround, as to pending transactions. 
For instance today I call the number on the back of my credit card comenity bank, the automated service provides that I have my full XXXX available open to buy. So I proceed with an order online, after clicking on confirm checkout, there pops up a warning, that there's an issue and that my order can not be placed, contactact comenity bank to resolve the issue. Catherines customer service always referr me to comenity bank, because tyhey do not have access to the tools to fix the issue. Todays issue was the wesite doubled my order, but online only indicates the one, that I haven't even processed yet. 
I feel my catherines credit card needs to be closed and my information needs to be protected, from whatever is going here illegally.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

My fatherboat a car in XXXX and financed it through XXXX XXXX, my father got sick during the pandemic and lost everything financially, he had no choice but to file bankruptcy, the bankruptcy was filed XX/XX/XXXX and XXXX XX/XX/XXXX through the bankruptcy court my father requested a reaffirmation agreement which was never given to him, I was away in college and my father wanted me to keep the car, the car was originally a lease in XX/XX/XXXX and when lease was over my father bought the car outright so he financed it through XXXX XXXX  at the dealership, since I was away at college my father asked the dealer can we register the car in both names for insurance purposes and the dealer said yes no problem, so now I've graduated college and have a great job as a XXXX XXXX with a large company, I passed all background with them and took my state Exam and passed now I'm being denied appointments because the car is showing up on my credit report as charged off closed account with a balance of {$23000.00} and me as a, cosigner but when I pulled my credit reports its not on them, I never cosigned i was away at college, my father didn't request I'd be a cosigner just added to the registration, my father sent payments in which were never honored, he request come get the car, they haven't and when I asked which credit bureau they said XXXX but it's not on my XXXX, so I can possibly lose my career if this remains on my report, it's not fair to me and especially when my father tried at least 20 times since the discharge and never got a single response, but i honestly don't know if its an error because of the name or what, but I'm asking, pleading for your help, it's hard enough to come out of college and be fortunate enough to get a job and lose it because of an error on my credit report.
Consumer complaint received 2023-06-08
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. (IA)

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

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
Consumer complaint received 2024-10-24
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: EdFinancial Services (WI)

XXXX  temporarily held my student loans, they now have been transferred to ED financial. The credit bureau however is reporting that i owe a duplicate balance and on my credit it reports it indicates both accounts. It should have been reported as a continuation of my account and not an additional account as XXXX account is closed and transferred the balance.
Consumer complaint received 2023-04-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (NY)

On XX/XX/23 I contacted Credit Karma for help to withdraw money from the savings account I have with them which is where I keep my emergency fund and transfer to my checking account. The current checking account attached to the credit karma save account is closed and I need to update and link the new checking account number from my financial institution XXXXXXXX XXXX. For some reason there is a glitch in their computer system because the link to change checking account numbers for withdrawals does not work. I tried multiple browsers, computer, tablet, iphone, android and nothing. I have been emailing their customer service for two weeks with no solutions. Lately they do not even respond to my messages. All they have to do is delete the old closed checking account linked to the savings so I can add the new one. I have no way of speaking to a live person on the phone or requesting a manager etc. I am now facing financial problems from this interest charges, unpaid bills I and am extremely stressed out. I JUST WANT MY MONEY.
Consumer complaint received 2024-10-14
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: EQUIFAX, INC. (MS)

On XX/XX/year>, I received alerts from XXXX XXXX that XXXX hard inquiries occurred on my credit around the same time. One was from " XXXX '' through XXXX. The second was from " XXXXXXXX XXXX XXXX '' through Equifax . I did not apply for credit accounts through either XXXX of these. Apparently, someone has tried to open what looks like XXXX credit card accounts using my social security number with these XXXX retailers : XXXX and XXXX XXXX. I have already contacted XXXX to cancel the card, but I am currently trying to notify XXXX XXXX. I have not been able to contact the right people about the matter.