davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-19
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)

IM IN DISAGREEMENT WITH THE ACCOUNT LISTED BELOW WHICH STILL APPEARS ON MY CREDIT REPORT, EVEN AFTER YOUR INVESTIGATION.

I WOULD LIKE THIS ITEM IMMEDIATELY RE- INVESTIGATED. THE INACCURACIES ARE HIGHLY INJURIOUS TO MY CREDIT SCORE. 

XXXX  XXXX XXXX XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, PUBLIC LAW 91-506, TITLE VI, SECTION 611, PLEASE PROVIDE THE NAMES AND BUSINESS ADDRESSES OF EACH INDIVIDUAL WHIT WHOM YOU VERIFIED THE ACCOUNT, SO THAT I MAY FOLLOW UP.

PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT AFTER YOUR REINVESTIGATION.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MO)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2021-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (NY)

Hi, I started a dispute for a purchase which was never delivered and after submitted the proof and waiting for more than 1 months, the claimed was denied. I was only notified because there is payment due. 

Thanks
Consumer complaint received 2024-09-19
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. (MS)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-09-19
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (NY)

Last night I received emails from Experian XXXX XXXX saying my email and SSN were found on the dark web. I followed instructions and entered my Experian acct using my password. When it asked for SSN, I got nervous and showed it to my husband, who said it was fraud due to the added 'identity works ' in the experian web address. So we opened a fraud report in Experian. In hindsight, and after doing more research on Experian XXXX XXXX, it looks like it is an arm of Experian, so I wanted to resolve this problem with Experian. As of today, I have tried to figure out what happened, but can not contact Experian. The number they provide does not allow you to talk to an human ( I've tried calling many times within their normal business hours ), and I am locked out of my Experian acct. I can not get in to see the report ( which they never emailed a confirmation about ). They ask various methods to make sure it's me to get into my account, but they all fail, including my SSN and birthday, they say does not match their records, which is very alarming. I am afraid for my stellar credit report and other information on experian. I need experian to contact me and rectify this and I am appalled that there is no way to contact them, besides a mailing address in TX, and I am very concerned to be locked out of my acct.
Consumer complaint received 2024-09-19
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. (MI)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (MO)

XXXX XXXX XXXX XXXX XXXX  {$1000.00} date XX/XX/XXXX this is a formal complaint that you are reporting inaccurate and incomplete credit information according to the Fair Credit Reporting Act.609 ( A ) you are required by federal law to verify trough physical verification of the original signed contract any and all accounts you post on a credit report otherwise anyone paying for your debt is probably fraudulent i demand to see verified proof if you fail to validate remove from my account immediately
Consumer complaint received 2024-09-19
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. (GA)

Upon reviewing my credit report, I have identified the following item ( XXXX ) that contain inaccuracies : XXXX. Former : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Also Known As : XXXX, XXXX, XXXX XXXX. Former : XXXX XXXX XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX XXXX following personal information is incorrect Also Known As : XXXX XXXX XXXX XXXX The following personal information is incorrect Also Known As : XXXX XXXX XXXX UN-AUTORIZED INQUIRIES XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XX/XX/XXXX XXXX XX/XX/XXXX ID THEFT XXXX XXXX XXXX? XXXX XXXX DATE OPENED XXXX XX/XX/XXXX XXXX ( DUOLICATE REPORTING ) XXXX XXXX  DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX DATE OPENED XXXX XX/XX/XXXX XXXX { DUPLICATE REPORTING } In accordance with the Fair Credit Reporting Act, I hereby request that these items be thoroughly investigated and promptly removed from my credit report. It is my understanding that you are obligated to verify these items with the respective creditor. Any information that can not be verified by the creditor should be deleted. I am aware that as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter.

Please send an updated copy of my credit report to the address provided above. According to the act, there should be no charge for this updated report. Furthermore, I kindly request that you notify any party who has obtained my credit report in the past six months of the necessary corrections.

Thank you for your attention and assistance in resolving this matter.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I have made consistent payments to XXXX XXXX even when the payment amount due was much larger than I could afford and they show inconsistency in my payments. They reported me as 60 days delinquent but show a payment made the month before ( XXXX. 2024 ) and the month after ( XX/XX/2024 ).
Consumer complaint received 2024-09-19
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)

XXXX with XXXX XX/XX/XXXX. I'm always on time with payments and this would be considered my XXXX late payment with a new card that I applied for XX/XX/XXXX with XXXX. My original purchase was for {$2400.00} which I was understood that the {$99.00} annual fee was included. With this knowledge I paid off the balance in full for the {$2400.00} on XXXX. Apparently, XXXX sent out a statement then on XX/XX/XXXX with the separate charge of the {$99.00} annual fee and I never received the card in the mail nor the statement. I typically pay off balances as soon as I can and was under the impression my balance was paid in full. I learned on XX/XX/XXXX when I was applying ( and denied ) for a HELOC loan with XXXX  that I had a delinquency with XXXX. Being completely unaware, as I paid off my balance on XXXX and have not since used this card, I was in shock so I contacted XXXX immediately. They are helping me to resolve this and the issue has been escalated as well a written letter sent into to resolve. They were able to take off the late fees and interest charges and I paid the annual fee amount of the {$99.00} on XX/XX/XXXX as soon as they let me know this was not in my original purchase ( that I paid off ). I would like this to not impact my credit score as I've worked hard to get it where it is and this one mishap took it down over XXXX points. I hope someone is able to help me resolve this issue.
Consumer complaint received 2024-09-19
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

This will now be my third time filing a CFPB report as each answer has been insufficient. 

As you will see in the previous report, my account was taken and drained of {$15000.00}. I was then given a provisional {$15000.00} and a couple days later I was given the permeant credit of {$9000.00}. However the decision of {$6500.00} was denied. 

You mention that the total amount for the XXXX charges was only {$9000.00} however as shown in the provided information, if added each transation there is a total of {$12000.00} charged by XXXX so why would I only be due a credit of {$9000.00} and be denied the other XXXX by the same company on the same day? 

Due to this error there has obviously been an inadequate amount of research, and I am requesting the documents of the investigations to these claims and to show why the decision was made to only credit me a partial amount of these unauthorized transactions.
Consumer complaint received 2024-09-19
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Experian Information Solutions Inc. (AR)

Experian, XXXX XXXX XXXX are reporting XXXX  Hard inquiries on my credit report. I am currently in XXXX  XXXX Bankruptcy and did not apply for any credit with these companies. I have contacted each bureau and requested the removal of all inquiries. I have filed for a theft of my identity. I have contacted my Attorney regarding this issue, and was advised to call three credit bureaus to informed them of the breach. I started this process on XX/XX/2024.
Consumer complaint received 2024-09-19
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. (PA)

Late notations on my account have never been a common occurrence as I am a responsible and punctual payer. I kindly request your understanding regarding the late remarks on my report, and I am committed to settling them as agreed. I aim to clear all the late remarks on my report, and I am eager to maintain a positive record with you.
Consumer complaint received 2024-09-19
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. (IL)

I previously disputed this account with your credit bureau. I let you know this account was not being reported accurately and is hurting my ability to obtain credit. This account can no longer be reported to my credit report because reporting this account violates my rights for the FCRA. The vehicle in this account was Voluntarily Surrendered in XX/XX/year>. Since then the account has repeatedly been updated every month with inaccurate information every month. This is an update in the payment history. The account listed below need to be immediately removed from my credit report as it is reported inaccurately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Credit Bureau : XXXX XXXX This account has inaccuracies that are highly injurious to my credit score. In accordance to The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D. I am requesting the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your re-investigation.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

I am responding back to the investigation on my reprt from experian and transunion. Somethings on my reprt doesnt look right. I am seeing some incorrect information. dates, account XXXX, amounts dont match up across both buraues. I need a reinvestigation on the accuracy of my account.
Consumer complaint received 2024-10-28
Product: Credit 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: GOLDMAN SACHS BANK USA (TX)

The Apple Card dispute team failed to properly investigate my dispute over financing the XXXX XXXX. I began financing for the XXXX XXXX on release day ( XX/XX/year> ) and around 4 months in my phone had defected parts. I tried to resolve this with apple so all they did was hard reset my phone but the problem came back eventually ( phone kept restarting on its own ). I tried to get it fixed with apple but they charging me for a Third-party rear enclosure since apple repair team allegedly identified my back glass of the phone as a non-authentic apple part which is clearly false since the phone was brand new and I have never cracked the phone from dropping it. The transaction total is XXXX and this is the second time I had an investigation still side with the merchant. Also side note, the CFPB just won a lawsuit about the same issue that clients like myself have faced from Goldman Sachs USA Apple Card mishandling investigations and always favoring the merchants side.
Consumer complaint received 2024-09-19
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)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. According to the FDCPA Im entitled to 1,000 dollars per violation and clearly, they violated my rights.
Consumer complaint received 2024-09-19
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. (FL)

Experian did not perform an investigation. they simply updated the date of last activity on everything. There is no payment data. there is no data regarding date of last activity. they simply updated everything to XXXX without proof. it is so frustrating to have no recourse against these credit agencies. I can not send the company a dispute directly because they always claim they can not verify my information and then they make up data. this is ridiculous.
Consumer complaint received 2024-09-19
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. (SC)

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 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXXXXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : The payment was made on time. However, due to an internal processing delay on the part of XXXX XXXX, the payment was mistakenly recorded as late. I have included the bank statement and payment confirmation showing that the payment was made before the due date. 
XXXX XXXX : There was a system error on XXXXXXXX XXXX platform that resulted in the payment being logged late. This error was acknowledged by their customer service, but it has not yet been corrected on my credit report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, XXXX XXXX has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and XXXX, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX