davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-29
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)

I am requesting the removal of all negative accounts from my credit report that have resulted from identity theft. According to Section 605B of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to remove any information identified by the consumer as resulting from alleged identity theft within 4 business days of receiving notice. Here is the list of Accounts that needs to be deleted in my file : 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 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (SC)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX MO XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-06-29
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)

In XXXX I was hacked by a stranger. This person was able to retrieve all my information. They manage to gain access to 4 credit card accounts. They proceeded to try to transfer money in and out of these account causing them to go over limit on all four. 
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 have filed dispute with Experian and they have verify them and said they are accurate but all these accounts are still inaccurate XXXX XXXX XXXX XXXX XXXX XXXX  was my daily bank account that I used back in XXXX was also hack I had no access to this account so I would like for this account to be removed from my credit report because this bank is horrible, I told them I couldnt get into account and since hacker change my number to that account I couldnt get in. This fraudulent changes to these accounts cause me to go through a lot of hardship with my XXXX children.
Consumer complaint received 2021-07-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

The creditor/ " debt collector '' has failed to adhere to Section 809 ( a ) ( 1-3 ) within the Fair Debt Protection Act, stating that within five days of initial communication the creditor/ " debt collector '' is required to send the consumer written notice containing : -The amount of the debt, -The name of the creditor to whom the debt is owed, -A statement that unless the consumer, within 30 days after receipt of notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector.

I have since made them aware of their violation and have proceeded to ask them to validate the account as outlined within Section 609 of the Fair Credit Reporting Act. With failure to send back proof including a signed application within 30 days of request, the creditor/ " debt collector '' has violated my rights and is required to remove the alleged debt.

Please remove the alleged debt for the credit/ " debt collector '' has violated my rights
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

Reviewed most recent credit report from Experian and I noticed inquires that did not belong to me. After reaching out to the creditors I was advised there were not any applications on file with their company and should dispute with Experian. The dispute with Experian was met with pushback and no resolution. 
15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Consumer complaint received 2024-06-29
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. (IN)

I have tried contacting this company about this account, my identity was compromised. To remove these fraudulent account off my report, i even tried to pay it off it still there. 

XXXX XXXX OPENED XXXX
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I have been a victim of identity theft. My information was used fraudulently and as a result I am seeing items on my report that I never was associated with. I filed an ftc report as I was instructed to by Experian. I have sent in this report but these fraudulent items still remain.
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MA)

This account was charged off on the following date XX/XX/year> Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-06-28
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: M Squared Financial LLC (MO)

Twice during the process of getting to the closing table, I signed disclosures for the loan for a house. The first time they extended the closing date and asked me to get more information from my financial and did second and third credit checks on my credit, they found derogatory marks on one of my credit report sites. Then the week of my first closing date, they told me I had to pay off or get a letter stating I didnt owe it. These items had been payed off 2 years ago but had not been removed from my credit. I had already been preapproved for this house months before. The closing date was reset for the end of XXXX at which time I signed another loan disclosure only to be denied and contract was canceled the day of our final walk through.
Consumer complaint received 2024-06-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (GA)

On or about XX/XX/year> I opened a Navy Federal account. I was approved to open an account however I received a letter a few weeks later saying that I will not receive a debit card or have online access as well as any kind of access to my account. I still do not have access to my account. They will not let me take money out or put money in manually. I had my old job direct deposit into my account and thats the only reason I have money in my account.
Consumer complaint received 2024-06-26
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: First Help Financial, LLC (FL)

I'm reporting suspicious activity on my credit report. I received a credit alert from XXXX showing a hard inquiry from FIRST HELP FINANCIAL, but I haven't applied for anything in over 8 months. I believe this may be fraudulent activity. Please assist me in removing any unauthorized inquiries and activity from my credit report. Thank you
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Early warning is reporting an account on their database that I have no knowledge of. This is a fraudulent account from Bank of America personal checking and business. These accounts have inaccurate address information linked to my name. I have never lived at any of these addresses and early warning has failed to provide me with any documentation validating these addresses are mine or that these accounts belong to me. I requested the documentation and early warning sent a message saying they do not have access to documentation. If thats the case this is indeed identity theft and these accounts must be removed immediately. Also, I never received the required notice from Bank of America that I signed via certified mail that they are required to send before reporting any accounts to third parties in my name.
Consumer complaint received 2024-04-03
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: EdFinancial Services (KY)

XX/XX/2025 they denied my deferment which it they use to accept, they didn't show proof of classes taken they don't list school I attended they just sent amount of a debt they over estate which they bought from XXXX XXXX the debt is over 25 yrs old an I didn't get a degreeI will attach copies of letters also the negative on my report has prevented me from get an apartment I'm homeless an they look at credit report an see negative deferrment, I was paying XXXX XXXX till they sold debt this company is a scam an don't report payments
Consumer complaint received 2024-06-29
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. (VA)

I would like to dispute off the following negative accounts on my credit report. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

Summary for CFPB Complaint - Experian Account Access Issue Issue Overview Unable to access Experian account and receive adequate customer support. 
Details Account Access Can not log in to Experian account Error message directs to call customer service Customer Support Failures Automated system offers unhelpful login instructions No option to speak with a live representative Attempted Resolutions Tried different web browsers ( XXXX, XXXXXXXX XXXX ) Multiple calls to XXXX Explored alternative support channels Impact Can not access credit information or manage credit profile Requested Resolution Direct human support to resolve account access Clear explanation of the issue and prevention steps Personal Information Name : XXXX XXXX XXXX : ( XXXX ) XXXX or XXXX XXXX
Consumer complaint received 2024-08-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: FB FINANCIAL CORPORATION (AL)

After the purchase of my home, it became apparent to me that the transaction has cost me more harm than good. Purchasing a home should be a wonderful investment, but soon after moving in, I found that it was not the case for me. 

Once I determined that the builder that was introduced to me was not going to honor the builders warranty, I proceeded to do more investigation into the sale transaction and what was intentionally not disclosed to me. It has taken time to get to this point because my first priority was to take care of the hazards on the property to keep my family and me safe. 

I contend that FirstBank Mortgage switched me to a loan program that I did not request without sufficient prior notice. 
I contend that FirstBank Mortgage switched me to a minority program strictly because I am a minority. 
I contend that FirstBank Mortgage took the minority program as an opportunity to increase the mortgage rate. 
I contend that FirstBank Mortgage, through their negligence, did not verify/confirm that the builder they advertised as their preferred builder had a license to build in the state of Alabama or they do not verify/confirm builders licenses for loans that are specifically for minorities. 
I contend that through this negligence FirstBank Mortgage allowed my family, my pet, my property, and me to be put in harm by supporting a builder that was doing business outside the laws of the state of Alabama. 
I contend that FirstBank Mortgage contributed to/caused monetary harm since I had to correct issues that were not honored through the warranty. 

My current out of pocket is {$14000.00} just to prevent water from entering the yard on to the homes foundation and to remove the hazards ( rocks, bricks and debris covered with grass netting ). I will also need to correct the front yard due to standing water due to improper grading. estimate is over {$10000.00}. I could not use my back yard for a year because I feared that any visitors, my pet, and me could be harmed. The county tax inspector indicated that my property would be devalued because of the condition of the yard. The tax assessment was done before I had a chance to correct the issues. Questions about flooring never answered. Flooring is buckling and the estimated cost to replace is over {$10000.00}. At this point I have no idea what other issues may surface due to negligence. I contend that FirstBank Mortgage contributed to/caused emotional harm. 

Now I am at this point of filing my complaint with the Consumer Financial Protection Bureau not only for myself but also for any future customers of FirstBank Mortgage.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I filed bankruptcy on XX/XX/year> and it was discharged. TransUnion is reporting it as dismissed. I have provided the court docket for them. I filed the dispute twice with them and my credit report is still showing dismissed bankruptcy.
Consumer complaint received 2024-09-05
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (KY)

XX/XX/XXXX To whom this May Concern, This item was purchased by a third-party debt collector. This account must be deleted as the status is not correct, the amount is not correct, and account was paid for less than owed by third party debt collector. As you can see by my attached report. This information is NOT CORRECT & NOT ACCURATE. There for it must be DELETED IMMEDIATELY. Here is the account name and number for reference and incorrect amount. LVNV Funding LLC acct # XXXX amount XXXX How much did the collection company pay for this item? I dont know and neither does my credit report reflect such amounts. This is a clear violation of FCRA as this is not accurate or complete. DELETED THIS IMMEDIATELY! Thanks, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX Ky XXXX Last XXXX XXXX
Consumer complaint received 2024-09-19
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: Block, Inc. (IN)

I ordered food through XXXX XXXX  on XX/XX/year> in the amount of XXXX that I didn't receive. I got a text from XXXX XXXX  saying my food was delivered at XXXX I immediately called the driver 17 times he never answered. He was suppose suppose to hand me my food in my hand and I didn't get it. Then I called XXXX XXXX  5 times and sent emails, screen shots of when I called the driver. I also asked XXXX XXXX  to track the driver and it would show them that the driver never showed and they didn't at that point I did XXXX disputes with cashapp and they said they got proof from XXXX XXXX  and when I asked for the proof they sent me an email of my purchase through cashapp nothing from XXXX XXXX  and closed my claim multiple times.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I am frustrated and it's been days, XXXX, even weeks since this situation has taken over my mental health. I would want to get myself diagnosed by a therapist but I can not afford them due to the lack of my financial score. The company has reported information on my report that are not verified or checked and I am suffering for such consequences.
Consumer complaint received 2024-09-16
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (TX)

On XX/XX/XXXX, a contract was signed with XXXX XXXX for a bathroom remodel project totaling {$16000.00}, with a key feature being a 24-month 0 % interest financing promotion offered by Home Depot . As part of the agreement, Statewide Remodeling set up a Home Depot Credit Card with Citibank, and the terms were that the balance would be paid off within the 24-month period with no interest. Please note the statewide representative was the one talking to Citibank to process the contract while I was put on the phone to confirm my details and agreement to contract. I also signed the contract on a XXXX Home Depot tablet. Monthly payments of {$680.00} were made in accordance with the terms. 
Please note I was defaulted to e-statement and I was unable to check the statement. On XX/XX/XXXX, I called the bank to check my balance and discovered that interest had been charged since XX/XX/XXXX, breaching the original contract terms. Since XX/XX/XXXX I have been having continuous communications with Citibank and XXXX XXXX including conversations with XXXX XXXX, who assured the issue would be corrected. 
On XX/XX/XXXX, contact was made with Citibank customer service, and a representative revealed that the promotional period had prematurely ended in XX/XX/XXXX, resulting in a 25 % interest charge. Although the representative agreed to revise the promotional period, the issue persisted. On XX/XX/XXXX, a conversation with Citibank supervisor XXXX resulted in the reversal of the prior decision, with directions to contact Home Depot customer service. Further communications with Home Depot and Citibank representatives ( including XXXX, XXXX, and XXXX XXXX provided inconsistent information, leaving the matter unresolved. 
As of now, undue interest charges remain on the account. A formal request has been made for the Consumer Board to intervene and ensure that Citibank and Home Depot honor the original 24-month interest-free financing agreement. The reference number for the XX/XX/XXXX call to Home Depot regarding the interest charges is XXXX.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WI)

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.