davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-17
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. (CA)

This is my third request for the immediate removal of unauthorized accounts in my name. Upon review of my recent personal credit report, UNAUTHORIZED hard credit inquiries DO NOT belong to me. I immediately notified the Credit Reporting Agencies to no avail. In addition, I have a " fraud alert '' placed on all 3 credit files and has not served anything in protection. The CRAs continued to sell my personal information to third parties offering me credit, loans, and ironically, credit monitoring services. 
It should be noted that the CRAs are completely unmoved by CFPB filings and have demonstrated no sense of urgency in complying with the complaints filed by consumers. I have filed complaints with the Federal Trade Commission ( FTC ) and to this day after almost 1 year-to-date, have not been able to obligate the CRAs to remove these UNAUTHORIZED credit inquiries through the CFPB process, one which is lame and ineffective by legal standards. CFPB has taken a Secretarialized position in properly enforcing the Federal statutes although it is now evident that the CRAS has present Class-Action lawsuits pending in Federal Court . XXXX XXXX XXXX XXXX XXXX on XX/XX/2024 XXXX XXXX XXXX on XX/XX/2024 XXXX XXXX  Inquired on XX/XX/2024 XXXX XXXX XXXX  XXXX Inquired XXXX XX/XX/2024 XXXX XXXX  XXXX Inquired on XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2024 XXXX XXXX XXXX Inquired on XX/XX/2024 XXXX XXXX XXXX Inquired XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX Inquired XXXX XX/XX/2024
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

This morning, I was shocked to find inaccurate accounts listed on my credit report, and I have no idea how they got there. I always check my report regularly, but this time, out of nowhere, there were discrepancies. I even tried refreshing my browser, hoping it was just a glitch, but nothing changed. The accounts were still there, and now Im left feeling uneasy. Im asking that the documents Ive sent be thoroughly reviewed, so I dont have to worry about this anymore.
Consumer complaint received 2024-10-23
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NJ)

I was approved for a credit card with XXXX XXXX prime card somewhere in XXXX or XXXX of 2024 for the ammount of XXXX dollars. My credit card account was recently closed with no previous notification or a notification in writing. I noticed this closing on XX/XX/year> online when I was making the correspondent payment for the month. There has not been a credit score change on my end ; I have not been delinquent with any payments ever and the card has been in proper use. It is deeply concerning that no one in customer service can explain why this happened and that my exceptional credit score will be affected because of this action of the bank. If they did not want me as a customer than why approve me in the first place.
Consumer complaint received 2024-10-23
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: ALLY FINANCIAL INC. (NC)

Today ( XX/XX/XXXX ), I did early withdrawal on a bunch of CDs which matured on XX/XX/XXXX and I was charged an Early Withdrawal Penalty totalling {$420.00} ( across several CDs ). 

On an email from Ally a few days before maturity, they had clearly mentioned XX/XX/XXXX as the end of the grace period ( see relevant section from Ally 's email attached ). It was mentioned in the email that I am allowed to make changes like close a CD without any penalty when in the grace period.

However they still charged me an early closure penalty. Their customer service was unable to help - their
explanation was that XX/XX/XXXX is not included in the 10 days. I am not sure about the day calculation they used- but I went off of the email that was sent to me. The email clearly stated XX/XX/XXXX as the end of the grace period. My attempt to close the CDs happened on XX/XX/XXXX at XXXX Eastern time- which should fall within the grace period.

After many attempts, their customer service is not ready to help. Their stance is that the grace period is over and hence the fees.
Consumer complaint received 2024-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc. (CA)

XXXX XXXX  ( XXXX XXXX XXXX XXXX ) in the amount of {$2200.00}, account opened XX/XX/year>. I am requesting that this item be removed as I am the victim of identity theft.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My account with 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 60 days 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.

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 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 2024-10-28
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. (TX)

I recently checked my credit report and noticed multiple inquiries from your company that I dont recognize or remember authorizing. This is really concerning, as its affecting my credit score and causing me a lot of stress.
Consumer complaint received 2024-10-28
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. (CA)

On my profile in the EXPERIAN credit bureau, it states an account by the neame of XXXX XXXX  that {$2700.00} has been charged off/ written off/ past due. 

I have submitted letters to validate the alleged debt. The following information has been requested already : Agreement with your client that grants you the legal authority to collect on this alleged debt. 

Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 

Any insurance claims been made by any creditor regarding this account. 

Any Judgments obtained by any creditor regarding this account. 

Name and address of alleged creditor. 

Name on file of alleged debtor. 

Alleged account number. 

Address on file for alleged debtor. 

Amount of alleged debt. 

Date this alleged debt became payable. 

Date of original charge off or delinquency. 

Verification that this debt was assigned or sold to collector. Complete accounting and itemiz
ed statement of alleged current debt balance and how it was calculated Commission for debt collector if collection efforts are successful. 

Proof that I am the alleged person who owns the debt, or incurred that debt
Consumer complaint received 2024-10-28
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)

This is serious, I am worried regarding the security of my personal information, as I have noticed that inaccurate information and items continues to appear on my credit report that is not associated with me, and I am deeply troubled by the potential risk it poses for unauthorized access.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I need to emphasize that this issue is not a simple mistake. The inaccuracies on my credit report have been deeply troubling and continue to negatively impact my life in ways that are hard to describe. These are difficult times, and the stress from these errors is overwhelming.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am reaching out for your help with this wrong account that is affecting my credit report. This issue has tarnished my reputation, and I need your immediate assistance. Your improper actions have damaged my reputation, and you must remove this incorrect information.
Consumer complaint received 2024-10-04
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)

Name : XXXX XXXX XXXX XXXX : XXXX XXXX : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan opened with consumer auto credit on XX/XX/XXXX, and auto loan opened with first trading company on XX/XX/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 FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX XXXXXXXX ) 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 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2024-10-28
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. (TX)

XXXX XXXX XX/XX/year> XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX 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 XXXX XXXX - Account # XXXX Account Status - CLOSED - Balance Owed- {$8500.00}, XXXX XXXX - Account # XXXX Account Status - Closed - Balance Owed- {$9500.00} These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being 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 2024-08-11
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. (CA)

This has been an ongoing issue that needs to come to an end. XXXX XXXX has single handedly ruined my credit. My FICO went from over XXXX to XXXX overnight. I have been dealing with this for two years and now its XXXX that the credit reporting agencies help get these wrong accounts off my credit report. XXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX listed here is not my credit card number. I have asked for proof of card and debt for over a year. This account and two other XXXX XXXX accounts continue to be sold to the next collection agency and my name and info go right along with an account number that has never been mine never activated or used by me. I feel that two years trying to have this removed from my record and my credit FICO score repaired by the false reporting is long enough. I went from from XXXX FICO to a XXXX overnight when XXXX XXXX Closed my XXXX XXXX and my two personal credit cards which had XXXX balance at the time of closure. XXXX XXXX has never done what they have promised to do and that is repair my credit that they ruined!. 

I now ask that the three credit bureaus step in and get this rectified. 

I have attached my XXXX XXXX XXXX XXXX XXXX I have attached the XXXX XXXX XXXX payments made to those cards in XX/XX/XXXX I was wrongly reported. And this now needs to be fixed. XXXX XXXX has been unable to produce my signature for the card numbers sent to collection and and they sent me to collections on something I have never opened owned activated or used. 

I would like XXXX of the XXXX XXXX accounts removed from Collections and false reporting cleaned up with each credit bureau! 

My XXXX credit cards were paid in full they have a XXXX balance. 

This is the only XXXX XXXX XXXX  I have owned, activated used and paid off in full. XXXX. XXXX  platinum personal account is XXXX XX/XX/XXXX exp And personal card number XXXX exp XX/XX/XXXX These are my XXXX personal XXXX XXXX cards and once again the card numbers I owned activated and used are below The ones that were sent to collections and reported her are not accurate they are not my account numbers I have never owned activated or used them I ask that they be removed from the three credit reporting bureaus. 

When XXXX XXXX  reported me they started a snowball effect my XXXX card limit moved down to XXXX XXXX XXXX refused my payment closing the account down. I expect my credit to be repaired this is not right this is not fair.
Consumer complaint received 2023-04-05
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. (SC)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (NY)

There was an outstanding bill, i was infomred fro XXXX! Wife and i never was informed this this Collection company " XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX Tele ( XXXX ) XXXX XXXX. My wife handled this transaction, the debt was a settlted amount from XXXX and settled at XXXX or so dollars. My wife asked XXXX sperate occasssion of this conversation of the paid agreement that the debt would not, l be placed on my credit as part of the agreement the agent agreed and applied with the settlement. I ordeerd and credit report this XX/XX/XXXX. I called said Company " Credit Collections '' when i explained to the First Customer Service agent about the agreement she indicated that they dont make those type of agreements, but she would file a claim for the supervisior to investigage. I called the Next day the supersior says that company doesnt negiotiate, credit file removals. I request the hear the file i was informed that i would have to file a subponea. file number XXXX.
Consumer complaint received 2024-10-28
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)

I have been trying to remove multiple fraudulent accounts off my credit report since XX/XX/year> and I have made multiple police reports and ftc reports and they have not removed are blocked the information yet I have provided my documents verify my identity and still the fraudulent accounts are still on my report
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

according to the fair credit reporting act section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verifiy through the physical verification of the original signed consumer contract any and all accounts you post on a credit report otherwise anyone paying for your reporting services could fax mail in a fraudulent account i demand to see verifiable proof an original consumer contract with my signature on it you have on file on the account XXXX XXXX XXXX under the FCRA unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof you must remove account XXXX XXXX XXXX
Consumer complaint received 2023-07-25
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

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 2024-10-29
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Upgrade, Inc. (TX)

Dear Sir/Madam, I am writing to report an issue with the charges made to my account. 

On XX/XX/year>, I made a payment toward my credit with your company for the amount of {$210.00}. However, according to my account statement, this same amount was debited twice, once as an automatic payment and another manually. 

I am attaching evidence of both charges made to my account for the same amount. Additionally, on the day the issue occurred, I spoke with one of your representatives who informed me that, starting today, XX/XX/XXXX, I could request a refund for the extra payment made toward the credit. 

I would also like to mention that my XXXX language is XXXX, which has made it difficult to have fluent communication with your representatives during previous phone calls. For this reason, I am using this email as the most suitable way to communicate with you and resolve this issue. 

Furthermore, I must point out a recurrent problem I have encountered. As the payment due date approaches, I receive incessant calls, even though I am aware that I have a XXXX grace period after the due date and that my payments are set up for automatic withdrawal. However, when it comes to resolving the double charge issue, it has been impossible to get in touch with you. Since XX/XX/XXXX, I have sent messages through my account, and each time I call and request to speak in XXXX, my call is hung up on. This discriminatory and xenophobic behavior is unacceptable. 

I kindly request that you proceed with the refund of {$210.00} as soon as possible. I look forward to your prompt response and resolution. 

Thank you for your attention, and I remain available for any additional information you may need from me to resolve this issue.