davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-30
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)

This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C. 1681c-2 ) that you, the Experian, XXXX, and XXXX credit reporting agencies, 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 personal credit card account opened at XXXX XXXX  on XX/XX/XXXX, a XXXX  XXXX Bankruptcy filed XX/XX/XXXX, a collections account with XXXX XXXX XXXXXXXX XXXX XXXX XXXX  on XXXX of XXXX with a balance of {$6400.00}. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have attached a copy of the consumer XXXX  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 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 2024-09-30
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. (FL)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant XXXX  and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2017-01-27
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: NAVY FEDERAL CREDIT UNION (MD)

Navy Federal and I agreed on an interest rate of 1.79 %. Once I put down a downpayment, Navy Federal changed this rate by doubling it to 3.59 % without notifying me. Put simply, Navy Federal lied to me about the interest rate to get me to sign up and then dramatically increased the rate. I called XXXX from Navy Federal who told me it was keyed incorrectly and that was " just how it was going to be. '' Navy Federal said they would remove my recorded phone calls where they stated the interest rate was 1.79 %. Navy Federal failed to do this review.
Consumer complaint received 2017-03-11
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (AZ)

I had fraudulent activity on my checking account that lead to the need for XXXX overdrafts from my credit card. When I spoke to the bank and filed claims for the fraudulent charges I was told that I would receive credits for the charges. I received credit for one of the charges but not the other. The charges were for {$20.00} each. I have spoken with Wells Fargo multiple times and spent hours on the phone to get this resolved and have been transferred from one department to another and have ultimately been told that they ca n't give me the second credit. This has caused me much aggravation. I have been a customer of Wells Fargo for XXXX years and this is the kind of customer service I receive!
Consumer complaint received 2024-09-30
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. (TX)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-09-30
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. (VA)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2024-09-30
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. (OH)

This company has violated my rights and FCRA. The company has charged off an account which I did not consent to. According to Federal Credit Reporting Act Section 605B. It is illegal to report information on my credit report without my permission. Also, the company charged off the account with giving me a copy of my 1099C. If the company wrote it off on their taxes I was suppose to receive a 1099C. Which I am supposed to claim on my taxes as income.I still have a balance stating I still owe the money but it was wrote as charged off. On my credit report it is stating otherwise and is not accurate. This is statutory damages and actual damages for reporting incorrectly to my credit report.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (WA)

So my information is out there and someone opened an account under my name in credit card without me knowing it was a fradulent account. XXXX XXXXXXXX Credit card. The date of birth on 1 of the credit reporting agency is incorrect. My current address is incorrect. From what I recall XXXX could be part of the agency that maybe have leaked my data.
Consumer complaint received 2024-08-27
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: EQUIFAX, INC. (CA)

I am writing to formally request validation of several accounts that have been reported on my credit report. Specifically, I am concerned about accounts that are listed as late or closed. I am requesting that you verify the accuracy and legitimacy of these accounts in accordance with the Fair Credit Reporting Act ( FCRA ). 
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
Consumer complaint received 2024-08-27
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: EQUIFAX, INC. (NY)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I was Checking my credit report and I see some Inquiries that I have not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XX/XX/XXXX Please remove
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX # XXXX Date Opened XXXX XXXX XXXX  Account Name : APLUSFCU # XXXX OPENED XXXX BALANCE {$XXXX Account Name : XXXX # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$520.00} Account Name : XXXX LAW # XXXX OPENED XXXX BALANCE {$980.00} Account Name : XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$1600.00} Unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-01-08
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: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX I have received an email from Chase Bank that someone called and let them know that someone posed as me online to let them know that that large purchase would be made to my credit card. I did not make the call and at the end, it says to call me to report if I did not request this spending notification. The email was sent to me around XXXX XXXX and XXXX XXXX and I checked my email around XXXX XXXX at work and I promptly made a call to Chase to find out what was going on to XXXX as per instruction on the email. Someone was making an online purchase at XXXX XXXX online store and trying to charge like over {$2000.00} which was not aware of. I reported the fraud and they promised me that they will protect me and resolve this issue. Next few days, I received a notification regarding this fraudulent charges and the charge was reversed. Today, XX/XX/XXXX, I received a phone call from XXXX at chase bank that she investigated the charges and she can not reverse the charges and she will have to put it back in my account. I asked her to provide me an evidence. but she refused to do so. She kept on saying based on the merchant 's evidence they provided and she can not reverse it because of the evidence but she can not disclose the evidence that is for sure that it was me. When I told her that I want to appeal to this, she said I can not appeal to it. She did not give me a chance to appeal at all. She simply put me on hold for 5 minutes and told me this will go back to my account in next billing cycle. I was upset and I was angry. She did not even give me an option to do anything and trying to punish me for what I did not do. she did not let me speak to a supervisor at all at the time of phone call and she refused to escalate the case after I threatened her multiple times. After numerous argument and yelling and threatening her, she finally told me that she would escalate the case but she still did not provide me with proper information and evidence how she got to her conclusion that the charge is mine which is NOT mine. She told me that she will send me an email but she never. She accused me as a thief, accused me to lying, accused me of deceiving Chase and she caused huge XXXX XXXX to XXXX and a XXXX  XXXX XXXX women by wrongfully accusing me based on wrongful conclusion she made without proper channel confirm it. I want to report this inhumanly treatment she has given me on this wrongful accusation.
Consumer complaint received 2018-10-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CASH AMERICA INTERNATIONAL, INC. (MO)

On XX/XX/2018, I received an email saying that I was approved for a loan from {$1500.00} to {$5000.00}. So I replied to the email. The first person I talk to said his name was XXXX and he works for XXXX XXXXXXXX XXXX. He ask for my account # my routing # and my social security number. I gave it to him. He also said that a loan officer would contact me. Which a person did. The loan officer told me I was approve for {$2000.00} with an 10 % interest rate. Im thinking ok cool. So after that, I received an email with documents saying the amount I was approved for, the interest rate, the loan reference # and my name on these documents. It seemed legit to me. Until I search the net and found out they have been scamming for years. These are the two numbers I was provided XXXX XXXX. Please stop the criminals
Consumer complaint received 2018-10-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (OH)

On XX/XX/2018 I received a screenshot of a text conversation between my ex-husband of nearly a decade and his aunt. His aunt was requesting I contact XXXX  Bank, as they have called her 6 times regarding my credit card debt. As I stated, my ex and I have been divorced for nearly a decade, and his aunt is no relation to me, has no contact information for me, and should not have been contacted once, let alone 6 separate times.
Consumer complaint received 2018-10-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation (MT)

Applied for a loan and was approved for {$1000.00}. I made a payment or two and now the loan balance is {$2800.00}. After several phone calls and emails they are threatening to turn it over to an aggressive collection account. I spoke with dept of banking of Montana and I was informed to close account due to the loan being illegal in Montana. Does this sound right what are my options?
Consumer complaint received 2024-09-30
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. (PA)

The persistent presence of fraudulent, inaccurate, and misleading information on your consumer report remains unresolved despite your numerous attempts to address it. This situation has significantly impacted your life, causing considerable stress and XXXX. You emphasize that you did not authorize or consent to the association of this information with your name, as you have been a victim of identity theft.
Consumer complaint received 2024-08-27
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. (KY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2016-05-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (OK)

Experian reinserted a collection that was deleted due to inability to verify/validate the debt. I recently received notification via a credit monitoring alert that a new collection had been added to my account for a XXXX debt that, prior to this action, at remained unable to be verified/validated. To date, I have received no correspondence/information from Experian in regards to the previously unverified, dormant, and deleted information regarding a XXXX debt that I am not liable for being reinserted into my credit file thus causing a significant drop in my credit score. Per FCRA sec 623 I am requesting disclosure of any and all documentation that was used to validate the data and/or justified re-adding it to my credit profile. If the requested information can not be provided then I request the derogatory information be removed from my credit profile.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (IL)

To Whom It May Concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting the agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a victim of a Data Breach/ Identity Theft. I also contacted the Federal Trade Commission and filed an FTC Report which is attached. I DEMANDED to please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX XXXX - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. 

XXXX XXXX - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I always make my payments on time, so I dont understand why this company is marking me late on some months. Under USC 1666b, billing mistakes should be fixed, and my account should show " paid as agreed. ''
Consumer complaint received 2024-09-30
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)

I am reaching out for your help concerning this misleading account reported on my credit report. This issue has caused damage to my reputation, and I need your intervention. Your mishandling of my credit report has left me feeling vulnerable, as this misinformation has destroyed my reputation. It is necessary to remove this incorrect information from my credit report.