davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-21
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 XXXX  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 XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  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 2024-09-21
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. (TX)

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

Account Name : XXXX XXXXXXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX  XXXX - Account Number : XXXX Account Name : XXXX XXXXXXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-11-07
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC (PA)

I have already pulled my credit report and noticed that there is a collection listing from your agency. I have never been notified of this collection action or that I owed the debt. 

This letter is to inform you, I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove altogether. 

Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditors. 
Complete payment history on this account, to prove that the amount you wish to collect is correct I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company
Consumer complaint received 2023-10-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A. (CA)

I have been a Citibank customer since XXXX with a $ XXXX credit limit. I am a single XXXX, and have been living with a son full-time since he was XXXX in XXXX. I was living off the card and was paying it down when I had medical issues that prevented me from working for 2 years. I got back on my feet and agreed in early XXXX to pay down the remainder @ {$500.00} per month. I calculated I have paid over $ XXXX in interest to date. I am now XXXX, not working, and have no income. I called Citi to ask if I could reduce or eliminate the remainder of the balance as I could not afford the {$500.00}, did not want to ruin my credit and subsequently file for bankruptcy. I was told that since I have paid off the principal and was not able to pay {$500.00}, I should pay XXXX more month and call next month to settle. I called this month and was told to call back next month again, and that there is no settlement that can be offered. With some persistence, I learned if I fail to pay for the next XXXX or 4 months ( this is an automatic deduction from my depleted checking account ) there may be a settlement offered, but no guarantee that 1 will be offered. So my credit is about to be ruined, and no settlement is offered until that damage is done. I need assistance.
Consumer complaint received 2024-10-09
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)

I, XXXX XXXX XXXX reviewed my credit report and found the following items to be in error. I am a victim of identity theft and did not authorize the charges. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
By the provision of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that's you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681 ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an update of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who has received my credit report in the past six months
Consumer complaint received 2024-10-09
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. (TX)

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, has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to 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 2024-09-11
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (PA)

Lowes store uses Synchrony Bank as their store credit card offering extending time to pay or a 5 % at purchase discount. I've used the Lowes card sporadically for purchases at the store when there is a need so I do not receive communication from them often or a monthly bill. I pay my bill in full whenever I use them. It appears that earlier this year they started charging a {$1.00} paper billing fee. I am not sure how this is even LEGAL b/c I'm sure there continues to be older Americans who must pay this JUNK fee b/c they do not like to conduct their finances online. I received no notification that they would be charging this paper billing fee- upon discovery that they were charging this fee, they removed one month but refused to 'go back ' and remove previous months. 

While I admit it that I didn't notice it's appearance on my XXXX, XXXX and XXXX bills ( I received a total of XXXX bills from them this year ), I did just recently notice on a XXXX statement since I had expected no charges and was surprised to receive the bill. 

They waived one months fee, but not the previous months. This is a very bad business practice and exactly the type of JUNK fees that credit card companies try to get away with. They claimed the notice was sent out in XXXX but I received no such notice. 

What is also odd is that this very same bank did use different methods to notify that they were charging a fee for paper statements for the TJX credit card that I have from them as well. I immediately changed to online statements when I received that notice - so I know they know what they need to do to notify people properly but did not in this case. 

I also think it is absolutely ridiculous though that a company can charge you a fee for sending you a piece of mail when it should be part of their normal business operations. I can not imagine how many more late fees, missed payments etc this will lead to for people as notices do not arrive to their email, go to the spam folders etc - all of it is a SCAM to get more JUNK fees from people. 

Synchrony Bank is engaging in bad business practices that will lead to more fees for unassuming Americans who do not have the time to chase after their bills each month.
Consumer complaint received 2024-09-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX SS : XXXX DOB : XX/XX/XXXXXXXX  I am filing this CFPB complaint requesting pursuant to FCRA 605B ( 15 USC 1681c-2 ) that you, the Experian/ XXXX/ XXXX credit reporting agencies to 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. These fraudulent accounts, inaccurate and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries as well as a copy of consumer FICO credit report maintained by you which shows the fraudulent items. I do not recognize these accounts, collections and hard inquiries that are reported. This has resulted in mental anguish and pain. 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 case # 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 2024-09-21
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. (NC)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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
Consumer complaint received 2024-09-21
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. (CT)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CT)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-21
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 SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OK)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-21
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. (GA)

Dear CFPB, I am submitting this formal complaint against XXXX, Experian, and XXXX to request the removal and blocking of fraudulent information on my credit reports due to identity theft. I have recently discovered unauthorized accounts and debts on my credit report that were opened in my name without my knowledge or consent. These fraudulent accounts are a result of identity theft, and I have already taken steps to resolve this issue. 
Details of the Fraudulent Information : Are attached in dispute letter I have taken the following actions regarding this fraudulent activity : 1. Submitted a complaint to the Federal Trade Commission ( FTC ) and completed an Identity Theft Affidavit ( FTC Affidavit Number : XXXX, XXXX, XXXX, XXXX XXXX. Contacted each credit reporting agency ( XXXX, Experian, and XXXX ) to notify them of the identity theft and provided the necessary documentation. 
Despite my efforts, the fraudulent information remains on my credit reports, negatively impacting my credit standing and subjecting me to potential liability for debts that I did not incur.
Consumer complaint received 2024-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CO)

On XX/XX/year>2024, I received an email from XXXX XXXX stating I had a hard inquiry. I then made a credit freeze on XXXX, XXXX, and XXXX because I did not authorize anyone to check my credit nor did I apply for anything that would require a credit check. On XX/XX/year>2024 my mother sent me a text of a piece of mail that was delivered to her house, which was also my last address of residency. When I directed her to open it, it was a credit card from Citi. I checked XXXX XXXX on XX/XX/XXXX and noticed the Citi card had a charge of {$2300.00} on it. I promptly called Citi and informed them of the fraudulent account and charge. They could not tell me what or where the charge was made but they did ask me about a phone number that was associated with the account. The phone number is XXXX. I found this odd because I noticed this phone number on my XXXX account, and I am unfamiliar with who it belongs to. Citi informed me that they will dispute the account and charges made and notify me with a letter within 7 to 10 days of the results and outcome. I then disputed the account and the charge with XXXX and XXXX, as well as with XXXX XXXX, which is my identity theft insurance company. I filed a police report today, XX/XX/year>2024. I have since filed the last dispute with XXXX today.
Consumer complaint received 2024-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: ALLIANT CREDIT UNION (CA)

The advertising around the rewards program for the Alliant Cashback Visa Signature Credit Card is misleading and deceptive, and Alliant is not properly administering and applying the qualifying events and rewards program as advertised : https : //www.alliantcreditunion.org/bank/visa-signature-card
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

This morning, I was shocked to find inaccurate accounts on my credit report, and I have no idea how they got there. I check my report regularly, but this time there were random discrepancies. I even tried refreshing my browser, hoping it was a glitch, but nothing changed. The inaccurate accounts remained. Im pleading for the documents Ive sent to be reviewed thoroughly so I can stop worrying about this.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Inaccurate and Incomplete Credit Reporting Request for Removal of Specific Accounts I am filing this complaint due to ongoing inaccuracies and inconsistencies in my credit reports across the three major credit reporting agencies ( Equifax, XXXX, and XXXX ). I have submitted multiple disputes regarding these issues, and although the agencies claim to have conducted investigations, they have not made any corrections. 

My reports contain discrepancies, with different accounts appearing on each one, and many errors still present despite my efforts to have them corrected. I even took legal action to obtain a court order and the title for my vehicle, which is fully paid off, yet the loan still shows up as unpaid on my credit report. 

Due to the failure of the credit reporting agencies to conduct a proper investigation, I demand the immediate removal of the following inaccurate accounts from my reports : 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 The agencies ' failure to correct these errors and discrepancies has had a significant negative impact on my financial well-being. I request immediate action from the CFPB to hold the credit reporting agencies accountable and ensure that these inaccuracies are removed. 

Thank you for your attention to this matter.
Consumer complaint received 2024-09-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: M&T BANK CORPORATION (NY)

I received a targeted promotion from M & T Bank with a specific promo code, XXXX, via mail. The requirements were to open an account, access the online system, and maintain a balance of {$1000.00} for both XXXX and XXXX ( see attached mail for details ). By XX/XX/XXXX, I had successfully transferred {$1000.00} into the account and called the bank to confirm that my deposit would still qualify for the promotion. The customer service representative assured me that both the {$600.00} I had already deposited and the pending {$400.00}, which appeared on XX/XX/XXXX, would meet the requirements. 

Since XX/XX/XXXX was a Friday and XX/XX/XXXX and XXXX were a Saturday and Sunday, the {$400.00} didn't officially post until XX/XX/XXXX. Concerned about the delay, I called again to verify whether my deposits still met the requirements. Once again, the representative confirmed that everything was fine, even after I mentioned I would close the account if this wasn't the case. As a result, I maintained the required balance. 

However, when XX/XX/XXXX camethe date by which I was supposed to receive the {$250.00} bonusI did not receive it. Upon calling the bank, they refused to honor the bonus, despite XXXX separate employees confirming that I had qualified for it.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

This morning, I was stunned to see inaccurate accounts on my credit report and have no clue how they got there. I check my credit report regularly, but today I found errors that came out of nowhere. I even tried refreshing my browser, hoping it was a glitch, but the wrong accounts stayed there. I'm really hoping that the documents Ive submitted are carefully reviewed, so I can stop worrying about this once and for all.