davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-22
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP (KY)

XX/XX/year> an unauthorized transaction was made from my us bank ReliaCard to a unknown XXXX XXXX I do not have cash app never have downloaded the app nor owned a XXXX XXXX card I have spoken to them several times about these unauthorized transactions. They said they so called did an investigation into my claim but they must did not do a real thorough investigation. Because they deny these claims I even spoke a a customer service representative at XXXX XXXX they said they had no knowledge of my name in their computers. The representative even ask if I could call us bank and to ask a us bank representative to give cash app customer service a call to get to the bottom of these bogus transactions that came off my debit card. So obviously they lied about doing a through investigation. I even to a screen shot of cash apps customer number and the time I called just to have my proof I called XXXX XXXX
Consumer complaint received 2024-10-24
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)

A XXXX  ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over XXXX days since I filed my complaint.
Consumer complaint received 2024-10-24
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. (SC)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-10-22
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

On XX/XX/year>, under the FCRA, section 609, I certified postal mailed XXXX, XXXX, and XXXX, disputing item : XXXX XXXX XXXX XXXX XXXX, with a balance of {$7800.00}, listed on my credit report. I requested they provide contracts and/or a lease with my signature. They stated the information was verified by the Creditor, but they failed to provide the requested documentation or provide their method of verification. 

On XX/XX/year>, I certified postal mailed XXXX, XXXX, and XXXX, and stated that I believe my identity has been compromised, I have reported this issue to the FTC, and I have placed security alerts around my credit. I am requesting that these incorrect items be removed. 

On XX/XX/year>, under law 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). I certified postal mailed XXXX, XXXX, and XXXX, notifying them that credit item, XXXX XXXX XXXXXXXX XXXXXXXX XXXX, has failed to provide validated and verified documentation, within 30 days, to prove the item ( s ) are accurate. They stated the information was verified by the Creditor, but they failed to provide the requested documentation or provide their method of verification.
Consumer complaint received 2024-10-11
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Credit Central Holdings, LLC (TX)

A live check was placed in my mailbox and fraudulently cashed or deposited on XXXX XXXX using my name, address, and forged signature. 
I received correspondence from XXXX XXXX XXXX that I was delinquent on a loan in the amount of {$900.00}. Some of the correspondence was sent to relatives or simply pushed through my door overnight. 
I filed a police report with the local XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX has since denied my request for a copy of the live check that initiated the loan. The account was closed on XXXX XXXX XXXX A derogatory remark was placed on my credit report and the loan was written off as bad debt.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I traded my XXXX in through XXXX the beginning of XXXX. The company came and picked the vehicle up ( XXXX ) on XX/XX/year>. The payment isn't due until XX/XX/year> then I still have a 15 day grace period to pay. I have accumlated a late payment on my consumer report. I have reached out to XXXX and they been giving me the run around and won't send the documents that I have been requesting. Please drop the late payment off of my credit because it is hindering me from buying a house.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2024-10-24
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. (TX)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2024-10-22
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: GOLDMAN SACHS BANK USA (NC)

I have an Apple Card through Goldman Sachs. My credit limit was {$41.00}. 

I made move-related, home prep for sale, and related purchases on the card. Out of the blue we were over our limit. Upon looking at card, Goldman Sachs had reduced my credit line to the point that we were over the limit. Given that our current home is in closing, we are shopping for a mortgage, and need to maintain our very high credit rating, being over the limit affects my credit worthiness and rating. I called them, got little in the way of why they did so, why the did not tell me ahead of time, and when they could correct the issue. Sorry, the usual time to get to these things is 10 days ... so yes, my credit took a hit. We did some things creatively to come up with {$5000.00} cash to bring the balance down and improve our credit utilization ratio a bit, but the over limit hit is going to affect the mortgage terms I will receive. Not fair, not transparent. Seems to me that they are limiting their exposure and putting the screws to their customers.
Consumer complaint received 2024-10-24
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. (CO)

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXX last reported- XX/XX/XXXX  {$790.00} 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (TX)

I've advised TD Bank of their multiple consumer violations against me and they have yet to rectify their illegal actions. I've advised TD Bank that I do not want my late payments being reported in reference to 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Congress has ruled over transactions to be private as a consumer and I'm notifying TD Bank to cease all their violations and remove the late payment reporting from all XXXX credit reports
Consumer complaint received 2023-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-10-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (GA)

To Whom It May Concern, I am still waiting for XXXX  previously XXXX XXXX to send me my promissory note for my federal loans. I have contacted them numerous of times and they will not provide this information, and they will not provide my payment history regarding the federal loans I had with them. They tell me that the loans were sold to the US Dept. of Education. This is true. The issue is that I paid the loans off before they were sold to the US Dept of Education and the balance was then passed on to the US Dept of Education, which should have never happened because I paid the loans off. Your help and assistance with this matter would be greatly appreciated.
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. (NY)

I've complained about being a victim of identity theft. You must remove any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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/year>
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX I have disputed this information directly with the creditor to concerning some inaccurate items being furnished on my consumer report ( TransUnion and XXXX ). I have allowed the creditor the allotted time XXXX XXXX to do an investigation and respond to my disputes. Pursuant 15 USC 1681 s2 unverifiable inaccurate or incomplete information must be removed from my consumer report in accordance to 15 USC 1681 i ( 5 ). This company did not respond to me within XXXX XXXX therefore, this means the information is not verifiable. I demand this account be removed from my consumer report for reporting inaccurate information. Please see the attached documents
Consumer complaint received 2019-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (CA)

My XX/XX/2019 Citi Aadvantage Platinum Master Card statement had fees totaling {$3900.00}. I paid {$3500.00}. There was a balance of {$490.00}. On the XX/XX/2019 statement, I was charged {$100.00} interest on {$4600.00} ( D ) at 25.49 % ( V ). There is no justification for charging me {$100.00} on {$4600.00}, when the carryover was only {$490.00}. 

The XX/XX/2019 balance was {$2500.00}. That included {$490.00} carryover and {$1900.00} in new charges ( which weren't yet due ). The total amount due on XX/XX/2019 in terms of charges and carryover was {$2400.00}. The amount that I should have paid interest on was {$490.00}. {$1900.00} were charges that weren't yet due and should not have been charged interest. 

At no time during the billing cycle did the average daily balance exceed {$2400.00}. And yet, the bank charged interest on a balance of {$4600.00}. 

When I called to dispute the charge, I was transferred three times around the world to customer service agents who refused to allow me to speak with a supervisor or billing specialist. It took me one hour, 27 minutes and 31 seconds of speaking to three different customer service representatives, who refused to give me their last name or employee ID numbers and refused to involved a specialist or a supervisor, who repeatedly tried to tell me that the calculation was accurate. 

The statements made by the customer service representatives were false. They lied repeatedly and consistently. The proof of the error is in Citi 's own bank statements. This kind of usury and predatory behavior is surely not legal. I'm sure that this is standard treatment at this bank, and likely at all banks and credit card operators. I'm sure that your service has had massive complaints about this. Will you help to stop this behavior? Clearly, I want my account credited and the interest to be fair and accurate. But I also want to stop this predatory behavior.
Consumer complaint received 2024-10-24
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. (IL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
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. (GA)

I, XXXX XXXX XXXX XXXX XXXX, am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) against Experian Credit Bureau due to their repeated violations of the Fair Credit Reporting Act ( FCRA ) in relation to their failure to delete fraudulent accounts and inaccurate personal information on my credit report, as well as their disregard for identity theft protections and response requirements.

Despite two formal communications dated XX/XX/year>, and XX/XX/year>, Experian has not complied with the law by failing to remove fraudulent accounts, incorrect addresses, and name variations from my credit report. I am the direct, sole correspondent regarding these disputes ; no third party represents me in this matter.

Applicable FCRA Sections Violated : FCRA Section 605C ( 15 U.S.C. 1681c-2 ( a ) ) Mandates that fraudulent information resulting from identity theft be blocked and deleted within four ( 4 ) business days of receipt of proper documentation. Experian has exceeded this statutory timeframe, leaving fraudulent accounts active despite my repeated requests and all required documentation.

FCRA Section 611 ( 15 U.S.C. 1681i ) Requires that consumer reporting agencies conduct a reasonable investigation and notify the consumer of the results within 30 days. Although Experian claims to have approved deletions as of XXXX XXXX XXXX, the fraudulent items remain on my report, indicating a failure to complete this process within the timeframe.

FCRA Section 604 ( 15 U.S.C. 1681b ) Limits the furnishing of consumer reports to entities with explicit consumer authorization. I have never authorized any of the listed fraudulent accounts, and Experians reporting of unauthorized accounts violates this section.

18 U.S.C. 1028A Provides federal protections against identity theft. Experians failure to remove the fraudulent

accounts after being notified of identity theft disregards these protections and perpetuates harm to my identity and financial reputation.

Details of Non-Compliance : On XX/XX/year>, I spoke with an Experian representative who confirmed that my dispute had been approved and that deletions were forthcoming. However, despite this acknowledgment, all disputed items remain on my credit report, which is a serious breach of my consumer rights under the FCRA.
Consumer complaint received 2019-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (FL)

As a frequent shopper at XXXX, I finally took advantage of their aggressive requests to open a XXXX charge to save 20 %. I spent {$330.00} and paid off the account the ext month. I thought the account was dormant until I received a debt collectors call stating I owed an additional {$6.00} and that had grown to {$59.00} with late fee 's. I paid and closed my account, but find myself with late payment reports on my credit report. This will affect my financial rating for years to come. 

I tired speaking with XXXX and Comenity bank and they were not helpful at all. They kept repeating themselves that I need to call the credit bureaus to discuss. 

This is consumer deception at its finest and I hope cfpb can assist. All I want is for the delinquencies to be removed from my account. 

Thank you,
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

Several months ago my credit info was stolen, so I froze my credit with Experian, XXXX and XXXX. Today ( XX/XX/year> ) I wanted to apply for a new credit card from XXXX and needed to thaw my Experian credit freeze. I tried calling Experian 's customer number XXXX. The robotic assistant needed a PIN, which I do not have. I attempted to enter the confirmation # I received but the system would not take that. When I tried to get the PIN I was advised that the phone number I used was incorrect. I have only one phone number. I am not able to reach a human at Experian using the posted Customer Service number, XXXX. I am unable to verify my profile information and unable to thaw my credit. 

I am EXTREMELY frustrated. All I am trying to do is to provide the correct information and briefly thaw my credit.
Consumer complaint received 2024-10-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Follow-Up on Request for Original Contract, Purchase Agreement, and XXXX Dear Portfolio Recovery, Thank you for your recent response regarding my account with Portfolio Recovery Associates , LLC XXXX XXXX ). However, I must express my disappointment as I still have not received the original contract, the purchase agreement, or the XXXX form related to the account ending in XXXX. 

As previously requested, these documents are crucial for my records and understanding the validity of the debt. Without them, I am left with no choice but to consider taking legal action, including the possibility of suing for failure to provide the necessary documentation. 

I urge you to address this matter promptly. I hope to resolve this issue amicably without resorting to legal action. 

Thank you for your attention to this serious matter. 

Sincerely, XXXX XXXX XXXX