davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-16
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Unauthorized withdrawals or charges — 
Company: Experian Information Solutions Inc. (WA)

The account from the XXXX XXXX public utility district is in violation of the Fair credit reporting act for the fact that I have not given written permission which is a violation of the Fair credit reporting act and the reports on the account are incorrect with the amounts in the dates on the accounts and is it also a violation of the Fair credit reporting act for reporting of credit for the use to deny any credit offering I said subject for the previous accounts I demand you to remove the account shown as it is the violation of the Fair credit reporting act within 14 days
Consumer complaint received 2024-10-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NV)

I opened an account with Citibank on XX/XX/XXXX for the sole purpose of being able to deposit a check from XXXX XXXX that I had gotten that was deposit only and I was not allowed to cash at a check cashing place. I deposited the check it was accepted and cleared on XX/XX/XXXX but didn't show in my account and suddenly I couldn't access my amount online. It started asking for debit card information which I don't have because it's only been a day since opening. so I called the bank to verify what was going on the customer support lady said I needed to wait until the card arrived and everything was all good with my account and I was told the funds would be held for 5 days. And then my cousin sent me a XXXX payment. Citibank verified and told me my card was on its way then I get a email on XX/XX/XXXX maybe XXXX minutes after having up with customer support that my account was going to be closed because I violated the terms laid down in the terms and conditions when I called I asked what terms I had violated and I was not told anything they refused to answer the question they said " well you're just going to have to wait till the letter comes '' " I said well what do I need to do to get my money out of the account ' and they said well you need to go down to a branch so I went down to the branch and they told me that they couldn't help me that there was nothing I could do and they wouldn't tell me what terms I violated and now they won't tell me anything they closed my account I don't have access to it nothing.
Consumer complaint received 2015-09-26
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (FL)

I am writing to complain about Discover, which has repeatedly used deceitful practices to attempt to collect payment on unpaid balances. 

I guess from their perspective they want money no matter how they can get it. 

Discover card has created another division ( Discover It ) which it uses to sell financial products to " lower end '' consumers. This division, I believe, has been specifically tasked with " accidentally '' engaging in payment fraud to cause trouble for their customers. 

On XXXX occasion, Discover scheduled a duplicate payment. Because Discover suspects the customers of their inferior Discover It products have less money, they do this to gauge which customers can be more easily taken advantage of. Since the amount of money is something that can be accessed from third party companies, it is reasonable to think this is no coincidence. 

I contacted Discover about a late payment. I let them know I have no income and no savings ; I simply can not pay. They re-enrolled me in autopay. I believe they have designed their online pay portal to intentionally mislead consumers into believing that they have disabled autopay, only to continue drawing money. 

If I ca n't pay, I ca n't pay. Discover has no right to show their customers fraudulent information and overdraw people who are already destitute just to get as much money as they can from high-risk borrowers.
Consumer complaint received 2016-01-18
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: MARINER FINANCE, LLC (NC)

I was approved for a Title Loan from XXXX XXXX, Part of deal was to pay off old debt with Mariner Finance. I am XXXX and on ly receive XXXX, So I am judgement proof. SO after Mariner receive. The create a second loan for {$250.00} stating my original was paid in less then in full. and do a charge off and report on my credit report as bad debt reported for collections. Mariner is a Predatory Finance COMPANY. i WOULD urge OTHERS TO STAY AWAY FROM them. Originally WHEN THEY BOUGHT OUT XXXX XXXX OF XXXX, XXXX. I WOULD N'T PUT UP WITH THERE HARASSMENT, SO I DISCONNECTED MY NUMBER. THE WENT IN TO MY ORIGINAL HARD COPY PAPERWORK KEPT IN THE BACK ROOM TO FIND MY REFERENCES. SOME MALE COLLECTOR FROM OUT OF TOWN. CALLED EX POLICE XXXX XXXX. WHO HAPPENS TO BE A NEIGHBOR. HE STATED TO HIM BACK IN XXXX OF XXXX. THAT HE WAS A RECRUITER FOR THEM AND I FILLED OUT A JOB APPLICATION. HE COULD N'T REACH ME AND WAS HOPING XXXX HAD MY NEW NUMBER. 

WHEN I MENTIONED THIS XXXX FROM MARINER WHEN MAKING THIS DEAL. THEY WANTED TO I GUESS PUNISH FURTHER. WHAT XXXX ARE THESE PEOPLE. 


Bad Debt ; Placed for collection ; ( XXXX ) - MARINER FINANCE , LLC XXXX XXXX, XXXX MARINER FINANCE , LLC has flagged your account as Bad Debt ; Placed for collection ; ( XXXX ). 
Alert Type : Potentially Negative Found On : XXXX XXXX, XXXX Potentially Negative Alerts notify you when one of your accounts has reported information that may negatively impact your credit score. 
Additional Info Please review the details of the alert for information that may indicate identity theft. If you feel you are a victim of identity theft, follow the steps below to ensure your personal information is secure. 
Alert DateXXXX XXXX, XXXX SourceXXXX CompanyMARINER FINANCE, LLC Payment StatusBad Debt ; Placed for collection ; ( XXXX ) Status DateXXXX XXXX, XXXX Balance {$0.00} Balance DateXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX If you feel you are a victim of identity theft, please contact a XXXX Specialist at XXXX.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

I am writing to bring to your attention unresolved errors on my credit reports maintained by Experian, XXXX, and XXXX. Despite my efforts to correct and update this information last year, the inaccuracies remain uncorrected. 

On XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year>, I submitted disputes and corrections to Experian, XXXX, and XXXX regarding inaccuracies of Incorrect Individual living man name, old addresses, incorrect information charge off bad debt and vehicle was voluntary return to Dealer and Remove inquiries. As of today, these errors continue to appear on my credit reports, harming my credit score and financial well-being.

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies have a responsibility to investigate and correct inaccuracies within a reasonable period, typically 30 days. It has been over a year since I initiated the dispute process, and I have yet to see the necessary corrections. 

However, given the significant lapse of time since my initial dispute, I urge the CFPB to investigate this matter and compel Experian, XXXX, and XXXX to take immediate action to correct my credit reports. 

I request that the CFPB take the following actions : Investigate this matter and verify the accuracy of my credit reports. 
XXXX Experian, XXXX, and XXXX to correct the disputed errors immediately. 
Take enforcement action, as necessary, to ensure compliance with the FCRA. 

Thank you for your attention to this matter. I look forward to a prompt resolution.
Consumer complaint received 2016-01-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (PA)

This is, I believe, the third CFPB complaint I have submitted against this company for the exact same reasons. You have done nothing to help rectify this problem. Equifax has done everything wrong to try and fix this problem, which is a violation under the FCRA. Both XXXX and XXXX seem to have no problem reporting my credit information accurately and timely. Equifax is the only CRA that is not only falling down on the job, but is basically illegally not furnishing accurate credit information. My XXXX XXXX store card has not updated since XXXX/XXXX/15 now and actually that card is now closed as I was upgraded to their XXXX XXXX XXXX which is also not reporting. Back around the XXXX or XXXX complaint with the XXXX both my XXXX XXXX and XXXX store cards were not being updated, they XXXX were reporting a balance when they were XXXX XXXX, and the only way I could find to get them to update was to dispute the trade line. Out of frustration I called Equifax ( for the 10th time ) to try and resolve this. The CSR I talked to said there was nothing they could do but dispute the tradelines. Angrily I accepted and he submitted the dispute, and to my horror XXXX tradelines were removed from my credit report. Two years ' worth of positive payment history gone. I have tried very hard to build positive credit and this is unacceptable in all accounts. I am just getting around to sending this complaint due to the holidays, but I will be applying for my first mortgage in the next few months, and if this is not resolved by then, I will have to sue Equifax as this is greatly affecting my life. I have spent countless hours on the phone, e-mail, etc. trying to resolve this, and if this affects my mortgage process in anyway, if I get a higher rate because of this, I will be enlisting my mother XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and I am sure they can rectify this in the courts.
Consumer complaint received 2024-10-17
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)

I submitted proof of insurance XXXX XXXX, 2023 and at the time there was no forced insurance and mortgage payment did not change. The proof of insurance was received successfully. There was a payment made to insurance company and once the proof of insurance was received the payment was reimburse to XXXX XX/XX/XXXX. I submitted proof of insurances and XXXX received the money back from the insurance company but XXXX decided to place forced insurance in XXXX. I received multiple phone calls through out XXXX and XXXX regarding the balance. I explained to them that I did not have escrow account and that I submitted proof of insurance which was successfully received by the company. The agents that I spoke to gave me misinformation and were not aware of what was going on with the account. I have requested for the transcript to be reviewed and I emailed a letter requesting an investigation but I have yet to hear from the company. The emailed was sent XX/XX/XXXX. I asked one of the agents if it was being reported to the credit bureau the beginning of this year and the answer was no which was false. The last conversation ended with the agent telling me that there will be an escrow adjustment and that I will receive a check but I would have to forward that check to XXXX. I found out about the late payments when I was applying for a car loan. The previous car that I bought two years ago I had 5 % interest rate and this time was 13 % interest rate because of XXXX. Almost all the lenders declined the loan application.
Consumer complaint received 2024-10-17
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)

RE : Late Payment Improperly Reported- I XXXX XXXX a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, Equifax, XXXX. XXXX, Equifax, XXXX has violated my consumer rights and violated federal law. This is multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Consumer complaint received 2024-10-15
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. (CA)

There are unauthorized hard inquires from XXXX. XXXX and XXXX XXXX. I did not apply for these credit cards, and called XXXX on XX/XX/XXXX to file a dispute, but they ignored my complaint and the hard inquiries remain.
Consumer complaint received 2015-04-30
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF THE WEST (CO)

I was quickly and thoroughly pre-approved for a 15 year mortgage on a used RV. Once I identified the RV, I submitted all information requested to complete the loan. Since then, I 've had zero communication from them despite repeated email and phone messages. As a result, I lost the RV I was pursuing and the deposit ( $ ) I placed on it. I have XXXX credit and was pre-approved.
Consumer complaint received 2015-05-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (AZ)

I XXXX asked Experian to update the phone number in my Fraud Alert in XXXX of 2014 and they did not do it. Both XXXX and XXXX XXXX did update the alert with my correct phone number ( XXXX ). Experian asks me to try their guessing game questions/answers of which they never match my actual data because I am a victim of Identity Theft. No one at Experian is able to help me. They ask me to re-upload, fax, mail etc. my ID and information to them. The info gets sent and they still do not update it. I am getting my credit denied for auto and housing because they do not have the correct telephone number in my fraud alert.
Consumer complaint received 2024-07-28
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: ENCORE CAPITAL GROUP INC. (GA)

I mailed a certified letter to this debt collector on XX/XX/year> disputing an incorrect account reporting on my report. I asked for specific items to validate the account is mine and I have not received anything that validates this account is mine and that I am the rightful party that the debt belongs to. I also mailed a letter to all XXXX credit bureaus ( XXXX, XXXX XXXX XXXX ) on XX/XX/year> asking them to investigate this account for me & get back to me within XXXX days and I have not heard anything back from the debt collector nor the credit bureaus. I would like to have this account investigated and if the account can not be validated, I would appreciate it if it were deleted from my report as the law states it should.
Consumer complaint received 2015-05-25
Product: Credit card — 
Issue: Billing disputes — 
Company: STERLING JEWELERS, INC. (NY)

Received a call from a XXXX phone number before XXXX, XXXX. I picked up phone on fourth ring, and the phone calling hung up. I recalled them after XXXX, and complained, would not give me IID of person that called. Said they were sorry, and put supervisor on, again no ID provided. He stated that he in in Jared Jewelers corporate office in Ohio, and further stated it is the same time zone as XXXX, XXXX. I stated that it was XXXX I called the XXXX number and reach him. He stated well the towers are different and he ca n't be responsible for what tower was used and stated again he was in Ohio. He wanted to speak about my payment. I told him I ca n't pay till after the first when my VA XXXX check arrives. He wanted post date checks or my bank account. I refused and hung up.
Consumer complaint received 2024-08-30
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

This account represents a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : NISSAN-INFINITI XXXX XXXX XXXX
Consumer complaint received 2024-08-29
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: EQUIFAX, INC. (IL)

I have sent several letters to XXXX, XXXX, and XXXX on XX/XX/year>, XX/XX/year>, and XX/XX/year> advising that the hard inquiries as well as other accounts on my credit report were false and or incorrect. I have been affected by several global data breaches and simply never authorized any of the hard inquiries on may credit report as well as the presence of illegal collection accounts on my credit report. Each reporting agency has not provided proof of the validity of these accounts in the legal time frame provided. As a result, they are in direct violation of Section 604 of the Fair Credit Reporting Act ( 15 USC 1681 ).

As a result, these items that are negatively affecting my credit should be removed. I have request that each agency verify the accuracy of the information contained in my credit report, especially the legitimacy of the data or the entities that have accessed my credit information and that has not been done in a timely manner.
Consumer complaint received 2024-11-20
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. (GA)

I am writing to notify you that I am a victim of a data breach and to formally request the immediate blocking and deletion of the fraudulent account listed below from my credit report, as provided under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Fraudulent Account XXXX XXXX XXXX XXXX XXXX XXXX  - {$5100.00}
Consumer complaint received 2024-10-21
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. (FL)

I am submitting a second formal request to correct my credit report. In my previous dispute, submitted on XX/XX/XXXX, I have not received an adequate or satisfactory response regarding the incorrectly reported late payments. 

It is important to note that the payments in question occurred during the XXXX pandemic, following my job loss due to the crisis. Under the XXXX XXXX, signed into law on XX/XX/XXXX, and extended until XX/XX/XXXX, credit reporting agencies were required to stop reporting negative information for consumers affected by the pandemic in certain circumstances. This law amended the Fair Credit Reporting Act ( FCRA ) to protect consumers like me who experienced financial hardship due to COVID-19-related job loss.

I am requesting that you review the late payments listed on my credit report during this period and update the information to Paid/Agreed for the applicable months and years. This dispute refers to the following incorrectly reported payments : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a victim of identity theft. 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  has violated my rights. 

I looked at my transunion credit report on XX/XX/2024 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 suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 suppose 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 2024-10-21
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. (MD)

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 2024-10-21
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. (IN)

FINAL NOTICE! As the final step in this dispute process, I am demanding the immediate resolution of the issues on my credit report. Your continued failure to address my disputes is a direct violation of federal law.