davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-01
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: CITIBANK, N.A. (PA)

In XXXX of XXXX, I noticed a charge on my Citi Credit Card and subsequently file a dispute with Citibank to look into the fraudulent charges. The scammer then uploaded bogus documents, which showed a completion different address & name that is completely different than my name & my address on file. Nonetheless, the dispute was still ruled in favor of the vendor and I had tried to reopen this case for the past few years with no resolutions. There was even an affidavit signed by me on XX/XX/XXXX and there was no response since. Please see below for documentation of the interaction. 

I kept calling in every few months since and they have been avoiding & stalling with promises that it will be addressed but never does.
Consumer complaint received 2023-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (UT)

I have disputed the dismissed bankruptcies on my credit three or four times now and all I get is the same old response that everyone gets and nothing happens. If the CFPD is just going to except the companies response and close the case then what's the point of this? Those bankruptcies were scams done to me by online companies promising to stop XXXX XXXX from foreclosing on my home of 23 years in XXXX  when I became XXXX from work injuries. They scammed me for nearly {$3000.00} and I lost the house anyway along with {$40000.00} over the amount I owed on the Mortgae that was kept by XXXX a.k.a. XXXX XXXX XXXX. So thanks a lot CFPD and I hope everyone who reads this understands that this is all XXXX and nothing will be done you are wasting your time because whatever response these companies throw out there the CFPD will accept it and close your complaint. Here 's my number if anyone needs me to repeat what I just said XXXX XXXX XXXX
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I reported a suspicious account opening involving my personal information to the appropriate Experian, XXXX, and XXXX personnel on XX/XX/XXXX I begged everyone to delete these accounts since I had no idea how they got there. All three companies gave me advice on how to keep track of things and fill out an FTC form. I submitted my information on XX/XX/XXXX. Even though I had sent my letters more than 30 days ago, the accounts that weren't mine were still mentioned in my paperwork since they had been " verified. '' This is a problem that terrifies and bothers me since it hinders my family and I from purchasing a home. I contacted the three companies again on XX/XX/XXXX to ask how they could confirm that these accounts belong to me. They said there was nothing they could do to help me and that I had to speak directly to the debt collectors. The customer called the wrong bank and left a message ; they don't know who I am or what kind of account they are talking about. Just to be sure not to be mistaken, I searched the internet. My friends recommended me to visit the CFPB website. Me and my family can't wait to find the home we're looking for, so I thought it would work.
Consumer complaint received 2024-07-18
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. (NY)

I have sent numerous letters to your bureau regarding my status as a victim of identity theft, yet my concerns remain unresolved. Once again, I am disputing the fraudulent information adversely affecting my credit file. Despite my submission of the required FTC complaint, your bureau continues to report this fraudulent account on my credit report. I have already contacted the banks associated with this account, submitted the necessary documents, and had the account promptly deleted from their records. Additionally, other credit bureaus has already removed this account following the FTC complaint. 
XXXX XXXX XXXX
Consumer complaint received 2023-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (MD)

Dear Discover Bank, I am writing to follow up on my previous letter regarding the inaccuracies in my credit report. As I mentioned in my last communication, according to XXXX, Discover started reporting on my account in XXXX of XXXX, XXXX reports that Discover started reporting on my account in XXXX of XXXX, and XXXX states that Discover started reporting on my account in XXXX. These discrepancies clearly indicate that Discover is not reporting accurately and fairly, as required by the Fair Credit Reporting Act ( FCRA ). 
I have sent multiple disputes to the credit bureaus regarding this issue, but each time, the response I receive is that the information being reported by Discover is accurate. This is simply unfair, as the information being reported is clearly not accurate, and it is negatively impacting my credit score and financial standing. 
Under the FCRA, it is the responsibility of both the credit reporting agencies and the financial institution reporting the information to ensure that the information being reported is accurate and up-to-date. This means that Discover has a legal obligation to ensure that the information being reported is correct, and if there are any errors, they must be corrected in a timely manner. 
I have attached documentation to this letter that demonstrates the inaccuracies in my credit report, including the statement from Discover in XXXX that contradicts the information being reported to the credit bureaus. It is clear from this documentation that Discover has not been reporting accurately and fairly, and this is having a negative impact on my credit score and financial standing. 
Therefore, I am once again requesting that Discover take the necessary steps to correct this error in my credit report immediately. I expect that you will work with the credit bureaus to ensure that the information being reported is accurate and up-to-date, and that you will take all necessary actions to resolve this issue. 
Thank you for your attention to this matter, and I look forward to hearing from you soon. 
Sincerely, XXXX
Consumer complaint received 2023-04-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collections Acquisition Company, Inc. (MO)

I noticed collection on all 3 credit bureaus. I did not make a purchase from any XXXX XXXX XXXX XXXX! The collection amount is XXXX. I filed a dispute with all 3 credit bureaus to no avail!
Consumer complaint received 2023-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Someone opened the following credit card accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX all without my knowledge. I have called these banks several times but they did nothing about it. 

Here are the balances : XXXX XXXX - {$1700.00} XXXX {$4600.00} XXXX- {$480.00} XXXX XXXX- {$500.00} I reached out to these banks and all the credit reporting agencies several times to delete these accounts but they did nothing about them
Consumer complaint received 2024-07-18
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. (AZ)

I was utterly shocked and devastated upon discovering unauthorized credit inquiries and made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!
Consumer complaint received 2024-07-18
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 recently review a copy of my credit report and noticed fraudulent account on my report I don't know what XXXX XXXX XXXX  is, this fraudulent account need to be remove from my report because it's hurting my personal finance.
Consumer complaint received 2024-07-18
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Experian Information Solutions Inc. (FL)

Dispute-and have the bureaus correct and delete-information in my report that is incomplete, inaccurate, and unverifiable. 
Remove outdated, negative information ( after XXXX years in most cases, XXXX in the case of bankruptcy ). 
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not XXXX XXXX accurate. 
They are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied I am in distress because of your mistakes. 
The law is very clear as to the Civil liability and the remedy available to me ( Section XXXX & XXXX ) if you fail to comply with XXXX XXXX. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( XXXX ) this account in violation not reporting XXXX XXXX accurate. The payments have been on time. 
XXXX Account XXXX : SAMPLE**** Your improper procedures are highly damaging to my XXXX XXXX. Please immediately delete this item. 
XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( XXXX ) this account in violation not reporting XXXX XXXX accurate. The payments have been on time. 
XXXX Account XXXX : SAMPLE**** Your improper procedures are highly damaging to my XXXX XXXX. Please immediately delete
Consumer complaint received 2024-07-18
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. (MI)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 606 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 conv
ictions 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 2024-07-18
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. (CA)

It's been bothering me how It was possible for credit inquiries that I don't recognize or applied to - to appear on my credit report which is a clear violation of my rights, I never gave these companies consent nor authorized them to access my credit report.
Consumer complaint received 2024-07-18
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. (AZ)

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

This company never sent The periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Consumer complaint received 2024-07-18
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)

According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personal, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information which directly conflicts Congressional purposes and reasonable procedures. Prove that I received a delivery of goods ; come to my home and search for the goods they say I received possessions of goods of or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15 U.S. Code 1681 c-2 ( 1 ) ( C ). Please prove this! Hearsay is not admissible. This is according to the federal rules of procedure and evidence! Therefore, these accounts must be removed. You can not lawfully prove that I received a delivery of good, services and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft these accounts must be removed and blocked.
Consumer complaint received 2023-05-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Velocity Portfolio Group (TX)

I originally took out a personal Loan with XXXX, and it was fine up until I was talked into signing up with a debt consolidation company in order to try to bundle my debts with the promise of increasing my credit score. The consolidation company took payments directly from my bank account without making any payments to my debtors and it took months to get them to stop taking the money out which sent all my debts into default and damaged my credit score which I was trying really hard to build. XXXX was one of these lenders that was defaulted in the process. 

XXXX notified me that they sold the debt to " Velocity Investments LLC '' XX/XX/2022. Upon finding out they sold the debt I attempted to contact Velocity by phone and by email on XX/XX/2022, to try to make payment arrangements or settle the debt. Velocity Investments never responded to me, and I was never able to get in contact with anyone that could tell me about the account or who to get in touch with. I never received anything from them in the mail resembling an attempt to collect a debt. However, I just learned that they have filed a lawsuit against me without ever getting in contact with me, attempting to collect or responding to my requests for information. 

I have always paid my debts, and I truly regret trying to consolidate my debts because that's where everything went wrong. However, I don't think that its right that they can file a lawsuit without notifying me themselves, attempting to collect it, or even responding to my own requests, especially when I was attempting to resolve an issue the moment I learned of the account being sold. How is it legal for a debt collection agency to file a lawsuit without attempting to collect or responding? I will be contacting a lawyer.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2024-07-18
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. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2023-09-21
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. (TX)

Sent the XXXX XXXX certified letter over 40+ days ago regarding fraudulent inquires on my account and haven't received a response. So I then called and they didn't address issue over the phone either.

Also sent the Transunion bureau certified letter which they responded to with solicitations for their services and disregarding the reported fraudulent inquiry I asked to be removed. 

These need to be address immediately as it's negatively impacting and misrepresenting my credit report
Consumer complaint received 2024-07-18
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. (GA)

" " '' I demand that inquiries should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! 

"
Consumer complaint received 2024-07-18
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. (GA)

" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit "
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LD Holdings Group, LLC (FL)

I am writing to formally dispute an inaccurate late payment entry on my credit report, which is reported as late. I believe this information is incorrect and I am requesting its removal in accordance with the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, credit reporting agencies are required to ensure that the information they report is accurate and complete. If an item is found to be inaccurate or can not be verified, it must be promptly removed or corrected. I have reviewed my records and have found no basis for the reported late payment.