davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A. (CA)

On XX/XX/year> I paid a payment of XXXX to a loan I had taken out through XXXX. On XX/XX/year> I paid off the loans taken out through XXXX in the amounts of {$500.00} and {$1000.00}. However, a couple of days later, my account had duplicate charges for the {$100.00} dated XX/XX/year> and for {$500.00} and XXXX, which pulled my account into the negative. I called Citibank to only dispute the duplicate charges and not the original charges. They assured me they wouldnt reverse the original charges. Weeks later they reversed the original charges. I then repaid XXXX on XX/XX/year> in the amounts of {$650.00} and XXXX due to now having accrued more interest because Citibank reversed the original charges that they blatantly told me they wouldnt. Then on XX/XX/year> the charge for {$100.00} was taken out of my account, on XX/XX/year> XXXX was taken out of my account and on XX/XX/year> {$500.00} was taken out of my account causing it to go negative. I called Citibank and they said the dispute was reversed and closed saying the charges were valid. I told them I already paid XXXX off and they need to refund that money to my account. They said I can only appeal the decision which will take 90 days. I called XXXX and they claim there is no overpayment and it could take 45 days for them to receive the overpayments. In the meanwhile Im out {$1600.00}. I have accrued late charges from my auto payments on other bills due to having insufficient funds. Citibank told me they wouldnt reverse the original charges and they did and because of that I had to pay more interest and now another overpayment that no one seems to want to claim they have. Citibanks response to the first claim is ridiculous, now they are claiming there was no duplicate charges, but if they listened to the phone call regarding that dispute they would see the agent acknowledged there was duplicate charges on my account causing it to go negative and he assured me Citibank would not reverse the original charges.
Consumer complaint received 2024-11-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (FL)

Robinhood financial services restricted my account on XX/XX/year>. I can not trade or access my funds wich are mostly mine! I provided all of the documenttion they asked for, XXXX ) license id. XXXX ) selfie all around face! XXXX ) bank statement. XXXX ) password information. XXXX ) full round of personal contact information! I was fooled that they would clear my account immediately. Now i can't contact them through my account app. they saying this case was closed!
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. (FL)

I gave the company XXXX XXXX to re-investigate these accounts : Account name : XXXX & XXXX account number XXXX, Account name : XXXX XXXX XXXX  account number XXXX, Account name : XXXX account number : XXXX, Account name : XXXX XXXX account number:XXXX, Account name : Sunbit account number XXXX, Account name : XXXX account number : XXXX, account name : affirm account number : XXXX, account name : affirm account number : XXXX, Account name : XXXX  account number : XXXX, Account name : XXXX account number : XXXX, Account name : XXXX account number : XXXX, Account name : XXXX account number : XXXX, Account name : XXXX account number XXXX, Account name : XXXX  account number : XXXX, Account name : XXXX  account number XXXX, Account name : XXXX  account number : XXXX, Account name : XXXX account number:XXXX, Account name : XXXX  account number : XXXX, Account name : XXXX  account number : XXXX and they have not yet give me any results
Consumer complaint received 2024-09-30
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. (MD)

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-09-29
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: Experian Information Solutions Inc. (OH)

Recently checking my credit report I noticed that I have been a victim of identity theft and found numerous credit inquiries that I have no knowledgeof. The inquires are as follows : XXXX  XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXL XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX. Please remove these fraudulent inquiries from my credit report. My identity theft report is attached to this complaint.
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. (MN)

My credit report shows my SSN along with a second persons SSN. It includes all of her personal information including SSN, DOB, address, phones numbers and credit accounts as well as my credit info. At my request, all 3 credit agencies are in the process of removing her information from my file but I have requested that they submit to me in writing a declaration that they have reviewed her account and it DOES NOT include my information. 
Her name is XXXX XXXX XXXX and her SSN begins with XXXX. 
Mt name is XXXX XXXX and my SSN begins with XXXX. The rest of the digits are identical on our SSNs, they are only one digit apart. 

As they have already mistakenly combined our accounts, I want written assurance that my info is not on her credit report as well.
Consumer complaint received 2024-08-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX Balance : XXXX
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IA)

I have repeatedly requested that fraudulent information be taken off my credit report. Old information also keeps reappearing on my reports which doesnt belong to me or is inaccurate. I have reported that an imposter has used my credit to open accounts and report inaccurate information. My credit has been damaged for over 10 years or more due to these errors and inaccuracies.
Consumer complaint received 2024-09-28
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. (CA)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-07-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (NY)

I have been a XXXX XXXXt and caseworker for XXXX XXXX XXXX XXXXXXXX XXXX XXXX since XX/XX/XXXX of 2008 ( 16 years to date ). I have made well over 120 consecutive payments to Mohela and/or XXXX XXXX XXXX for over 10 years. They have forgiven XXXX of the XXXX student loans. 5 of the last 6 remaining loans have received XXXX payments and the XXXX has received XXXX payments, and have yet to be forgiven. 

I have received conflicting information. Letters I have received state that I have been delinquent in my payments. Further scrutiny on their part will reveal that this is not true. I have received a letter stating that payment is due with a payment schedule enclosed. Another letter I received indicates that my loans have completed a transition to Mohela who will handle my loans. Mohelas outgoing message indicates that my loan is in the hands of XXXX  and Mohela has no information. Upon speaking with a Mohela representative by phone I am told that my remaining loans are in a Mohela induced administrative forbearance, no payment is due, and they are possibly being reviewed for XXXX eligibility. When asked when I might hear from Mohela regarding loan forgiveness the representative stated she was told to say ; the end of summer. When pressed for a more specific or even ball park date for the end of summer the representative said, this is all they told me to say. 

My aim is to retire from my job as soon as I know my loans are forgiven. I have documentation showing over 120 consecutive payments being withdrawn from my bank account in payment for Mohela/XXXXA student loans. My employer for all 10 years has been XXXX XXXX XXXX ( a government institution and PSLXXXX eligible employer ). I am eligible for Loan Forgiveness by MohelaXXXX definition XXXX Please help me obtain confirmation that the last 6 of the 17 loans have been forgiven. 

Thank you, Most Sincerely.
Consumer complaint received 2024-09-30
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. (FL)

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, 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 an account without my written instructions.
Consumer complaint received 2024-09-28
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. (OR)

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 2024-09-28
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. (CA)

I have asked XXXX, Experian, and XXXX multiple times to provide me with the results of the investigation done by their company to ensure that my credit report is reporting XXXX percent accurate. XXXX Experian, and XXXX are breaking federal law by not providing me with this information. it is XXXX 's Experian 's, and XXXX 's duty to take reasonable procedures to insure they are reporting XXXX percent accurate. I have asked the companies to provide me with their method of verification which must include periodic statements and notices mailed 21 days before the payment is due and also include personal interviews from neighbors, friends and associates that, shall not include specific factual information. I have not received a copy as proof from any of the Credit Bureaus. XXXX Experian, and XXXX is causing actual damage to my reputation as well as emotional distress.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

I'm really not sure what happened. I have mailed off letters to the credit XXXX  continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-28
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. (FL)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 

XXXX XXXX XXXX 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 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX, XXXX and Experian. 

Please delete the following accounts : XXXX  XXXX Account Number : XXXX Balance : {$440.00} XXXX XXXX Account Number : XXXX Balance : {$5300.00} XXXX XXXX Account Number : XXXX Balance : {$5100.00} XXXX XXXX XXXX Account Number : XXXX Balance : {$880.00}
Consumer complaint received 2024-09-28
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. (KY)

Identity Theft Affidavit Affiant Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, KY XXXX Date of Birth : XX/XX/XXXXXXXX  Social Security Number : XXXX Statement of Identity Theft : I, XXXX XXXX , declare that I am a victim of identity theft. I did not authorize or initiate any of the accounts or inquiries listed below, and they do not belong to me. 

Fraudulent Accounts : XXXX/DOFED, Opened on XX/XX/XXXX, {$6500.00} XXXX/DOFED, Opened on XX/XX/XXXX, {$6300.00} XXXX/DOFED, Opened on XX/XX/XXXX, {$4500.00} XXXX/DOFED, Opened on XX/XX/XXXX, {$4500.00} XXXX/DOFED, Opened on XX/XX/XXXX, {$3300.00} XXXX/DOFED, Opened on XX/XX/XXXX, {$2200.00} XXXX/DOFED, Opened on XX/XX/XXXX, {$1700.00} XXXX/DOFED, Opened on XX/XX/XXXX, {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Declaration : I declare under penalty of perjury that the foregoing is true and correct to the best of my knowledge. 

XXXX XXXX
Consumer complaint received 2024-09-28
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. (MI)

I am in total disagreement with Experians investigation response. The incorrect items listed below still appear on my credit report, XXXX XXXX Acct number XXXX XXXX XXXX acct number XXXX even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. As theyre reporting a collection account with a past due balance, that I have no knowledge of nor am I in any contract with this company. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that they provide actual proof the information was verified, not a computer generated confirmation. Please provide : The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. The days you contacted the furnishers of this information and the method of communication used. I would also like to know if the furnisher provided you with my SSN, address or DOB. Please forward an updated credit report to me after you have completed your investigation and corrections. Also in accordance to the fair credit reporting act 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 egency can not furnish a account without my writen instructions.
Consumer complaint received 2024-09-28
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)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/year> under the account number ( private ), I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) 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.