davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-17
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. (NC)

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 2024-08-29
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. (GA)

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-17
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. (FL)

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-17
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

These accounts represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The accounts are : BANK OF AMERICA XXXX and BANK OF AMERICA XXXX.
Consumer complaint received 2024-07-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (AL)

I have paid the account in full and have confirmation number and bank statement where they processed the payment. They have not taken it off my credit report. They are the last of my debt. I have sent proof of my payment and requested it to be taken off. Have not heard anything from them. Im to the point where I will sue if need be.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VYSTAR CREDIT UNION (FL)

Beginning XX/XX/scrub> 2024 I contacted company after payments fell behind due to XXXX illness. I called them to begin payment the account. They added fees and late charges of {$5300.00} and the agreement was for {$87.00} autopay out of my checking account. About XXXX  months ago my credit score dropped. 
I tried pulling a free report to find out what caused the drop and was not able to tell. Then my credit card company sent me an update regarding a change in my score and the company reporting it. It was company I signed documents and made autopay arrangements with. I has a XXXX and XXXX transplant due to bills falling behind. I have been working on my credit for a year to get it back up to XXXX 's and now without any disregard for laws. The company ruined my credit score. When I called they gave no reason but yes we reported it late. I told them that is against the FCRA of fair reporting practices. They didn't seem to care. I want my credit restored!!! I an livid ....
Consumer complaint received 2022-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (MD)

LAst spring ( 2021 ) i went into the XXXX XXXX MD Best Buy to purchase XXXX TV 's for my new XXXX XXXX  condo i was furnishing. Time was important since I wanted to rent the condo immediately and it had to have TV 's. 
I also had Best Buy agree to install them. 
The man who helped me got me to pay with both my debit card and a credit card he asked me to apply for. 
He said BB would contact me shortly to arrange day and time for the install. 
Unfortunately, when i spoke to the delivery dept. in XXXX XXXX  they said they could not deliver the TV 's for several weeks. 
That was much too late so i told them to cancel my order. 
I also went to the XXXX XXXX store to ensure they canceled my order and refunded my money. 
They assured me they would. 
Instead, i have been receiving bills and threats ever since from Citibank ( Best Buy 's bank ) demanding payment on my credit card for TV 's i never received! 
I asked several times to speak with a manager at Citibank but they always refuse.

I have tried to contact the district manager of Best Buy but he never returns calls or e-mails.

Citibank has now begun reporting me to credit agencies as delinquent on payments for goods i never received and for an order i canceled immediately.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LD Holdings Group, LLC (CA)

I re-applied for mortgage assistance applications for all three loans ( Loan XXXX XXXX XXXX XXXX XXXX ) with XXXX XXXXXXXX XXXX ( XXXX ) on XX/XX/XXXX. Nevertheless, during the process of application review, XXXX reported to credit bureaus that the payments were late on XXXX, XXXX and XX/XX/XXXX for all XXXX loans. I would like to have XXXX to provide the chronological dates of the mortgage assistance application in XX/XX/XXXX, the decision date of mortgage application outcome, the credit reporting date and the payment made on the account by me as the mortgage account holder, and the statement of credit reporting during the process of mortgage assistance application. 

I applied for mortgage assistance applications for XXXX loans ( Loan XXXX XXXXXXXX and XXXX ) with Loan Depot LLC on XX/XX/XXXX. The mortgage forbearance was approved for both loans and followed by loan modification. Nevertheless, during the review process, Loan Depot LLC reported to credit bureaus for the late payment on both accounts on XXXX, XXXX and XX/XX/XXXX. I would like to have Loan Depot LLC to provide the chronological dates of mortgage assistance application date, the decision date of mortgage application outcome, the credit reporting dates for both accounts, and the statement of credit reporting during the process of mortgage assistance application. 

I was approved for loan modification ( loan XXXX XXXXXXXX ) with XXXXXXXX XXXX in XX/XX/XXXX and the due date of the payment for the modified loan is not due till XX/XX/XXXX. Nevertheless, XXXXXXXX XXXX reported the late payment in XXXX for XX/XX/XXXX. I would like to have XXXXXXXX XXXX to provide the chronological dates of loan modification approval, document signing from both parties, the due date of the first payment on modified loan, and the statement of credit reporting during the process of loan modification.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-17
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (CA)

Long story short, I switched from XXXX to XXXX I told them to cancel ALL my services. They told me that I would receive a final bill in 30 days. They supposedly sent me a final bill which I immediately paid around {$900.00}. XXXX months later I stated getting emails from XXXX saying I owed money. I called and was still getting charged for services I had previously cancelled they asked me for proof, they dont give any proof I told them when I called to cancelled they never sent any proof. They assured me that I wasnt liable to paid these services that were not cancelled when I called to cancelled. I stopped getting anything few months later I received again a late payment notice. I called again to see what was happening and why I was still getting billed for something I had requested to cancel months ago. Again same thing they asked for proof and again I told them you guys dont send any proof. 
Almost a year later I get a notification on my credit report of a collection agency put on my report for owing {$750.00} I immediately called XXXX to find out it and was sent from XXXX. I immediately reported it and file a complaint with XXXX. 
Someone from the higher XXXX management emailed me and after numerous attempts to contact this person 2 months after the fact I was able to get a hold of someone and they tell me they took time off because of getting married. 
So now this person tells that apparently I owed {$500.00} for a watch. I asked why when I cancelled everything this was not disclosed and I still got billed for services and when apparently I was told I was getting a final bill it was all a lie. Anyway ended immediately paying the {$500.00}, now I been fitting to get this collections deleted from my credit report and its been months that they dont do anything about it.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OR)

Given XXXX 's denial of attempting to repossess my vehicle while under the bankruptcy stay, I am questioning the legitimacy of my loan and any business relationship with XXXX. If XXXX is not acknowledging their breach of bankruptcy law, I can not acknowledge the validity of this loan or any claims they make regarding my account. 
As a result, I wish to dispute the loan and any associated negative remarks on my credit history. If XXXX can not validate the loan or the actions taken regarding the repossession, these entries should be removed from my credit report.
Consumer complaint received 2024-07-16
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 thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so depressing that I have to go through all this and I wouldnt even be able to XXXX XXXX XXXX for that because my cards will just get declined due to my credit score being low with all these wrong information.
Consumer complaint received 2024-07-16
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. (CT)

I am writing to formally lodge a XXXX concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-07-16
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. (CT)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant XXXX  and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-07-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (NC)

Fraud event occurred on XX/XX/XXXX. An appeal had been made with police reports and report from the dmv due to stolen identity. A total of XXXX was taken from my account with evidence showing this was a result of hacking and scamming. The bank refuses to give me money threatening to send to collections and being taken to court. Decision that no fraud activity was made on XX/XX/XXXX. Appeal decision was also denied was made on XX/XX/XXXX
Consumer complaint received 2024-07-25
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I had a fraud claim on my account and then randomly they closed my account and for some reason whenever I logged into the Bank of America app it did not allow me to make any payments to this account. I thought it had sum to do with the claim and my account being frozen or something. I have video proof of me login in to the app and attempting to make the payments and it not showing the account as an option. They ended up calling me to inform me i missed a payment and I told them exactly what happened and they never fixed it or did anything about it and still charged me a late payment fee. I ended up setting up automatic payments so it wouldn't happen again. I got confirmation from Bank of America representative that it was all set up but some how a month or so after they didn't charge the automatic payment as they should have. So they ended up charging me another late payment fee. Then I called and spoke to XXXX the escalation department manager and informed her of what happen and tried to get the fee removed but she told me the system denied the request and that there was no manual override or anything they could do about it. On top of all this they have closed my account for supposedly 'credit abuse ' when It was clearly all fraudulent transactions as the fraud claim was resolved in my favor, I informed them of this and they still haven't reopened it.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I don't understand because it is certainly not that hard to attend to you customer 's need if you prioritize their well-being. I feel disrespected that to this day, my inquiry of having these accounts re-checked, re-verified and re-investigated is being ignored - as if the company doesn't really give a cent about my situation. Please help me verify these information that are extremely inaccurate.
Consumer complaint received 2024-07-16
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. (MA)

To Whom It May Concern, cfpb ; credit bureau ; I am writing to formally dispute a series of unauthorized hard credit inquiries that appear on my credit report. These inquiries were made without my consent and do not pertain to any applications or transactions initiated by me. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to challenge and seek the removal of such inaccurate information from my credit report. 

The inquiries in question are as follows : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, mandates that a credit report may only be accessed for specific purposes and with consumer consent. As these inquiries were neither authorized by me nor related to any transactions I initiated, they are in violation of the FCRA.

Additionally, under 15 U.S.C. 1681i, I have the right to dispute any information on my credit report that I believe to be inaccurate or incomplete. The unauthorized inquiries listed above fall into this category and should be investigated and removed accordingly. 

Furthermore, 15 U.S.C. 1681s-2 ( a ) requires that furnishers of information ensure the accuracy and integrity of the information they report. The presence of these unauthorized inquiries reflects a breach of this requirement. 

Given the violations of the FCRA, I request the immediate removal of these unauthorized inquiries from my credit report. Please confirm the deletion of these inquiries in writing once completed. 

Thank you for your prompt attention to this matter. 

Sincerely,
Consumer complaint received 2023-04-13
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: TEXAS CAPITAL BANCSHARES, INC. (NV)

Today, XXXX XXXX XXXX, I attempted to open a XXXX XXXX XXXX Account at XXXX XXXX ( a division of Texas Capital Bank ). I provided all required information including my full name, address, social security number, phone number, email address, employment information, and annual income information. I completed signing off on all terms and conditions and was told to have my ID ready for verification along with a mobile device, which I did. When I finished entering this information I was told that they could not open an account for me based upon the information provided. I called customer service and spoke to two different representatives, neither of whom could answer my questions as to why my application had been denied. They were only able to point to page 10 of their account agreement terms and disclosures under " Obtaining Consumer Information '' as to why it was rejected. I provided all of that information and as I told the representatives I have opened bank accounts in the past year with zero problems. They apologized and said they couldn't give me any more information as they use a third party verifier to validate application information and they had no other insights. I informed them that ultimately, XXXX XXXX is responsible for the performance of third parties providing services on their behalf and that this is an unacceptable situation. I was told that my complaint would be forwarded and my application forwarded for further review but that they could not do anything further at this time.