davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Spoke to Customer Service Representative at XXXX XXXX XXXX   XXXX on XX/XX/2020 about my financial situation. I asked about help for us customers who were affected by the Coronavirus. I was approved for a 6 month deferment plan. I was told this plan would be at a lower interest rate of 5.94 % and would not incur any late fees and no payment was necessary during the 6 months. As of XX/XX/2020 they marked me as late payment with all 3 credit bureaus. This significantly dropped my score which upsets me as Ive been current on all my accounts for a long time! It has taken me years to get my score up. Ive called many times and finally spoke to XXXX on XX/XX/2020 to be told there was nothing he could do but transfer me to his supervisor. He did see all the notes on when I called and was approved for the deferred plan. I was then put on hold for a supervisor for almost 20 minutes and then got disconnected or hung up on. Ive tried calling back to get disconnected again! No one seems to want to help or answer why they reported me or any customer during this crisis to the credit bureaus! They seem to not know about the Cares Act that was placed for this current situation. Please help and have my negative posts on all 3 credit bureaus removed and updated. Thanks
Consumer complaint received 2020-05-29
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

After reviewing my most recent credit report. I've notice that XXXX, XXXX, & Experian. All three major credit reporting agencies continuously report multiple inaccuracies and violations under fcra rules section 1681. 

Account under name # XXXX XXXX XXXX XXXX 

Notice two accounts 1 ) XXXX XXXX XXXX XXXXXXXX original creditor ; XXXX balance {$3500.00} 2 ) XXXX XXXX XXXX   XXXX original creditor ; XXXX XXXX XXXX XXXX  balance {$1900.00}
Consumer complaint received 2020-05-29
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. (VA)

I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX XXXX with old balance of XXXX and last balance ending with XXXX dollars with a date of XX/XX/2006 should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, XXXX, and Experian, even after attempts of removal with credit repair company on my behalf.
Consumer complaint received 2020-05-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX XXXX in amount of XXXX dollars with the date of XX/XX/2013 should no longer appear on credit reports as it is past the statute of limitations. It still appears on Transunion, XXXX, and XXXX, even after attempts of removal with credit repair company on my behalf.
Consumer complaint received 2023-07-01
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: EQUIFAX, INC. (FL)

Dear CFPB, I have new and updated information regarding these negative accounts that are reporting to my credit profile. Im submitting this complaint by myself and there is no unauthorized third party involved.

I have ask all 3 of these credit reporting agencies to update my address to and remove these negatively reporting accounts to my credit profile via mail and they have failed to do so. I have used their online portals to dispute. I have used the XXXX to dispute and they still continue to violate and hurt me.
Consumer complaint received 2020-05-29
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : SC XXXX, XXXX XXXX, XXXX, XXXX XXXX, SC XXXX, XXXX/XXXX, XXXX  XXXX, Original Creditor, XXXX  XXXX XXXX, XXXX, XXXX XXXX, Company Inquiries : XXXX  XXXX  XXXX  XXXX XXXX  XXXX XXXX  XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX CARD LEASINGDSK ONSITE RENTAL PROPERTY XXXX XXXX  XXXX
Consumer complaint received 2020-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (FL)

I had a purchase on my MasterCard debit card that I needed to dispute. I tried doing this through Citibanks XXXX app, but there was no option available to do so, despite online instructions indicating that there was. I then tried calling the customer service number and was asked to put in my card number. The IVR did not recognize my card number and would not connect me with a representative. I then tried the online chat support, and the representative kept referring me to the same instructions that I told him were not correct, and kept referring me back to the phone number that I told him wasnt working. He further refused to escalate the issue further and refused to file a dispute for me.
Consumer complaint received 2020-07-30
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. (TN)

I LIVE IN XXXX, TN BUT SEEING ACCOUNTS OPENED IN THE STATE OD TEXAS THESE ACCOUNTS ARE DO TO A DATA BREACH CAUSE I HAVE NEVER OPENED ACCOUNTS IN TEXAS
Consumer complaint received 2020-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XX/XX/2020 I submitted a dispute letter to TransUnion, XXXX, and XXXX. about some inquires and personal information on my correct report and I haven't received an answer as it is not the XX/XX/2020.
Consumer complaint received 2020-07-30
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Phoenix Financial Services LLC (IL)

I have held a debt with a financial company ( Phoenix Financial Services, LLC XXXX XXXX XXXX XXXX, IN XXXX Toll-Free ( XXXX ) XXXX, www.phoenixfinancialsvcs.com, XXXX ). On one call they verbally harassed me calling me an " XXXX ''. They have also called at least over ten if not fifteen times asking for someone named XXXX. After verbal altercations with this company I started receiving more unusual calls and texts even after midnight. I also believe they have distributed my information to other telemarketers and companies such as an " auto insurance '' company that has not disclosed their actual company name to me after repeatedly asking for their company name to live Representatives. I have provided my insurance information to settle the debt and registered with the do not call registry, but repeated calls and texts continue.
Consumer complaint received 2020-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX  XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2024-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NH)

I have been trying to login online and there are errors logging in ( see attached ), I can not reach a human from the customer service number I have tried multiple ways through the queue. When I try to fill out the contact me form on the site, again it says there are technical issues ( see attached ). I then reach out via email and on XXXX and someone finally called me. After verifying my card number, social, address and security question I was told they cant access my account without my account number. I do not have access to any account number. They told me to go to a branch, there are no branches within the 5 states surrounding my house. 

I am just trying to figure out if there is money in this account and its open, or closed. I have statements in email from XX/XX/year> but no closure notice so I am not sure if I still have money in this account. I simply want to know if I have money in here. 

They told me I could check XXXX because if they closed it for inactivity they would have sent it to the state?!?! But they said it takes 2-3 years, and I have statements dating back a little over a year so that probably isnt the case. 

I've not ever with any bank had to provide so much information to still be told they cant access me without the account number.
Consumer complaint received 2024-09-25
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)

i did a pre approval with gravity autos in XX/XX/year> and the representative kept running my credit without consent thru the end of XXXX. i have a freeze on my credit so he kept running it to get an approval without my consent. he was later fired from the company as stated by gravity autos when contacted about the inquiries.
Consumer complaint received 2024-10-13
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)

you have violated my federally protected consumer right. under the 15 USC 1681 ( A ) PLEASE REMOVE IN VIOLATION OF 15 USC 1681c- 2 ( A ) WHICH VIOLATED 15 USC 1681C ( D ) INACCURATE KEY FACTOR INFORMATION.
Consumer complaint received 2024-10-13
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. (FL)

Under, 15 U.S Code 1681 ( 5 ) ( B ) ( ii ) ( iii ) ( 5 ) Treatment of inaccurate or unverifiable information ( B ) Requirements relating to reinsertion of previously deleted material i ) Certification of accuracy of information if any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency.

( ii ) Notice to consumer if any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( Il ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information; and ( Ill ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.

I was not notified of the reinsertion of these previously deleted items within a 5 business day time frame, nor was any of the additional information outlined above provided to me. As a consumer by law, I demand that you delete these reinserted items from my credit report XXXX - This account is being reported inaccurately, please remove this from my credit report immediately
Consumer complaint received 2024-09-25
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. (OH)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 multiple personal credit card accounts opened at XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), an personal credit card account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number ( XXXXXXXX  ), a personal credit card account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number ( XXXX ), and a personal installment account opened at XXXX XXXX on XX/XX/XXXX with a balance of $ ( XXXX ) that appears related to the aforementioned personal loan account opened at XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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, hard inquiries and addresses 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 # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-09-25
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)

My account with XXXXXXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 USC Code 1681eb. 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 XXXX 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 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 2024-09-25
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. (NY)

I am writing to you as the holder of XXXX XXXX account number XXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

I have identified that the statements for my Mortgage have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations. 

Sincerely,
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NJ)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.