davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Risecredit, LLC (CA)

Rise Credit issues a short term loan to my sibling who took it out in my name. When I found out about it I attempted to resolve it but the rate was insanely high and they wanted a payment that was astronomical every other week instead of monthly as they stated to me after I found out. The account was unattainable and went to collections. I was able to settle the debt through the XXXX XXXX XXXX and they assured me in exchange for the settlement it would reflect paid in full and the Rise would be deleted from my credit report. being naive and wanting this resolved quickly I took them at their word that both companies ( Rise and XXXX ) would be deleted from my credit report. That still has not happened and when I dispute it through the creditors with the information I do have they state that it has to stay on my credit because it was purchased by another lender. I've reached out to both companies and they refuse to help me understand why I was misinformed by their representative and What benefit they have to keep trying to smear me and they just hang out.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

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 2019-12-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (CA)

I signed up for XXXX XXXX XXXX TV services in XXXX of 2018. I was promised a promotional rate at that time for Premium Channels and had documentation to prove it. On the day of installation I noticed the channels were not active and called XXXX  customer service. After hours on the phone I was told they would not honor the rate promised and I cancelled the service that night. At the time I was promised I would owe {$0.00}. Over a year later now a Collections Account from Franklin Collections SV for this amount on XXXX XXXX behalf has showed up on my credit bureau report impacting me. I have proof that the service was never used and that the account was closed the same day it was installed. How do I get this rectified as it is impacting my credit at this time?
Consumer complaint received 2024-10-27
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/year> at XXXX am i recieved a hard credit imquiry from XXXX XXXX and XXXX. Also a XXXX time pass code for bank authentication for XXXX XXXX This was all at the same time. I have not applied for any credit card during this time period.
Consumer complaint received 2024-09-12
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. (TX)

XXXX XXXX ACCOUNT NUMBER XXXX I hereby dispute the validity of the alleged debt listed below Entirely. I also request verification of the alleged debt, Specifically, a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and must be signed by all parties involved. I am requesting this because I have had different companies reach out to me about this same alleged debt. I am requesting immediate deletion of all prior reporting made to any consumer reporting agencies, Experian, XXXX, XXXX and XXXX. You must Cease Collection efforts until this alleged debt is validated. You must show proof that you legally own this alleged debt and it is accurate and complete. thank you
Consumer complaint received 2024-09-12
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. (TX)

XXXXXXXX XXXX ACCOUNT NUMBER XXXX XXXXXXXX - I hereby dispute the validity of the alleged debt listed below Entirely. I also request verification of the alleged debt, Specifically, a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved. I am requesting this because I have had different companies reach out to me about this same alleged debt. I am requesting immediate deletion of all prior reporting made to any consumer reporting agencies, Experian, XXXX, XXXX and XXXX. You must Cease Collection efforts until this alleged debt is validated. You must show proof that you legally own this debt and that it is accurate and complete thank you
Consumer complaint received 2024-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There is unauthorized Hard inquiries on my report .I called Transunion to remove them these are the list .of the 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 2024-09-12
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Identity Theft and Unauthorized Use of Personal Information by Experian Dear CFPB, I am writing to formally file a complaint against Experian regarding the unauthorized use of my personal information, which has led to identity theft. 

My personal information has been utilized by Experian without my consent. This situation is not only distressing but also a violation of my rights as a consumer. 

I have also contacted Experian directly to resolve this matter, but I am still facing challenges regarding the unauthorized use of my personal information. 

I request that the CFPB investigate this matter and assist in ensuring that my rights are protected. I also urge you to hold Experian accountable for their actions and help facilitate the removal of improper use of my name that's listed on my consumer report. Also removal of the address listed above thata not tied to any of my accounts. Also if they send me an email about not removing it I will screenshot it and send it directly to the CFPB email address. 

Thank you for your attention to this serious matter. 

Sincerely, IVE TRIED TO FIX THIS PROBLEM THE LAST 2 MONTH AND NO RESOLUTION
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

XXXX, XXXX and Experian continued to report XXXX XXXX without proper investigation into the fraudulent opening of the account. It was reported as opened without authorization and charges was made on the account without consent. XXXX was notified and did not lawfully investigate the account or allegations of fraud. They didnt do a thorough investigation but asking personal family friends, neighbors, and only used information that was obtained by their own company and it is against federal law to not perform the investigation properly and lawful. And they cant use data information furnished by their own company
Consumer complaint received 2024-09-12
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. (NY)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I am STILL fighting to get these charges off of my credit, that were removed and then they put them back on there. XXXX XXXX XXXX the Billing company for XXXX XXXX and XXXX XXXX. I have been trying too get the information from the claims that were billed to my insurance company, billed claims, denied claims, correspondence with my insurance company. XXXX can only provide the invoice from the collection account they " brought '' from XXXX XXXX  and when I attempt too contact XXXX XXXX  or XXXX XXXX both companies have been closed down permanently, due too lawsuits from fraudulent billing charges. I also checked the XXXX  all three companies XXXX XXXX XXXX XXXX  and XXXXXXXX XXXX XXXX  have complaints for fraudulent billing practices. I feel these charges are a scam, especially since they can not provide any proof or even the dates that I supposively used their services. I have disputed and filed complaints on MULTIPLE OCCASIONS. Can someone check into these fraudulent companies with their fraudulent charges.
Consumer complaint received 2024-09-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NC)

XX/XX/year> I was a victim of identy theft. A unknown person opened a personal a personal loan in my name and XXXX checking accounts in my name without my knowledge. They also when into my personal checking account and committed fraudulent XXXX  transactions from my personal checking account into the XXXX fraud checking accounts that was open in my name. Citi Bank never notified me when all of these transactions was taking place. I called customer service, and I was forwarded to the fraud where i had to make a police report, id verification, signature verification. I received notice that the case was resolved but Citi bank has not given me my lost funds back. I been constantly called and I get the run around and unanswered questions every time. it has been XXXX XXXX and they still have my account on hold.
Consumer complaint received 2024-09-24
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am a user of credit card Venture XXXX  issued by Capital One ( Card number : XXXX, Biling Zip : XXXX, phone number is XXXX ). 

I am not able to transfer my points to any airline. Whenever I login to capital one portal, select View Rewards, and then click XXXX XXXX or Get Gift cards, a new page asking for authentication jumping out. After I input my cell phone number, it says system has not my phone number and I can not add this number. This number XXXX is used when I applied for the Venture XXXX  card and hasn't been changed carriers and I haven't changed my job or anything else. 

I called customer service as website suggested, and I talked with 4 agents, they told me it's a known issue and they can not do anything to help at the moment. I asked how long it will be solved. They said they don't know. I asked who can help, they said they don't know. This is absurd. If it's known issue, why don't let customers know before hands when we applied the credit card? Also, customer services can not help me to transfer points to airlines. Why? If a system is not working, why customer service can not help at all. They said this transfer can only be done by customer self. 

I can not get gift card also. The same issue.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-09-23
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX has violated my rights. 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604 section2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 US Code 1681a ; Definitions ; rules of construction-exclusion- except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B ; A creditor may not treat a payment on a credit card/ loan account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-09-23
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)

Accordance with the fair credit reporting act XXXX has violated my rights 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604 section 2 ; Also states a consumer reporting agency can not furnish an account without my written instructions. 15 US code 1681a Definition ; rules of construction- exclusions- except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions of experiences between the consumer and the person making the report. 15 USC 1681b- Permissible purposes of consumer reports- Hard inquires are not an open account that is on my credit report. Hard inquires are to be removed.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NY)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-10-31
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. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NY)

This company appeared on my credit report as a collection account. Besides the fact that they are NOT licensed to collect debts in the State of NY, per the State 's Attorney General 's Office, I have never had an account with them, signed any applications nor contracts with them. 

Moreover, according to 15 U.S.C. 1681e ( b ), all information reported by the credit reporting agencies must be 100 % accurate. Additionally, 15 U.S.C. 1681i ( a ) ( 5 ) mandates that any information that is found to be inaccurate or incomplete must be corrected or deleted from my credit report.

This company is in clear violation of the law. Under 15 USC 1681b- permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. 
Did I give written instructions to furnish this account on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Upon reviewing my credit report, I have found multiple inaccuracies with the reporting of this account. These inaccuracies include the incorrect reporting of late payments, which do not accurately reflect my payment history. As such, I kindly request that these inaccuracies be thoroughly investigated and resolved by removing the account from my credit report entirely. 
Failure to respond satisfactorily with deletions of the above referenced account from my credit report within 4 days of receipt of this letter, will result in legal action taken against your company, as in litigation under the Fair Credit Reporting Act ( FCRA ) to collect {$1000.00} in damages for each inaccuracy as provided by law for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance 616. Civil liability for willful noncompliance [ 15 USC 1681in ]
Consumer complaint received 2020-06-09
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I asked to close my HSBC Direct Savings account. I was assured this would be done in 2-3 days. It's past 20 days and the account is still open. See confirmation of closure request attached.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My account with Experian was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. 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 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 r
eporting 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.

Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NJ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.