davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-26
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)

Dear CFPB Team, I am writing to formally dispute the accuracy of the information reported by XXXX XXXX ( XXXX ) regarding my credit account, as it appears on my credit reports from XXXX, Experian, and XXXX. The account in question is identified by the number XXXX and is listed as derogatory, charged off, and in collection status. I request the removal of this account from my credit report due to multiple inaccuracies and violations of the Fair Credit Reporting Act ( FCRA ). 

Summary of Issues Inconsistent Reporting Across Credit Bureaus : The account information varies significantly among the XXXX major credit bureaus. 
XXXX reports a balance of {$810.00} and a high credit of {$810.00}. 
Experian shows a high credit of {$0.00}, creating confusion about the accounts status. 
XXXX reports a high credit of {$500.00} against the same balance of {$810.00}. 
Law Violation : These discrepancies violate 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. 
Missing Information : Experian does not report the " Account Type - Detail, '' which is crucial for understanding the nature of the account.

Law Violation : Under 15 U.S.C. 1681g ( a ) ( 1 ), consumers are entitled to complete and accurate information in their credit reports.

Incorrect Payment Status : All bureaus classify this account as " Collection/Chargeoff, '' which may not accurately reflect the current status if it has been settled or paid.

Law Violation : This misrepresentation violates 15 U.S.C. 1681s-2 ( a ) ( 2 ), which mandates furnishers to provide accurate information.

Inconsistent " Date Last Active '' Reporting : The Date Last Active reported varies : XXXX and Experian indicate XXXX, while XXXX XXXX XXXX. 
Law Violation : This inconsistency contravenes 15 U.S.C. 1681e ( b ), leading to potential misunderstandings regarding the account 's status.

Negative Comments : Comments such as " Charged off as bad debt '' and " Canceled by credit grantor '' need to be consistent across reports. If this account is settled, these comments mislead creditors.

Law Violation : Misleading comments may violate 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), which prohibits furnishers from providing information known to be false or misleading.
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-05-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: World Acceptance Corporation (CA)

Constantly calling me for a family members debt because they can't reach them. I've gave them the number I have for the family member and they still can't reach him after that and now they're back calling me constantly over a year. I'll talk to the multiple times both companies
Consumer complaint received 2023-05-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (VA)

I submitted a Public Service Loan Forgiveness application under the temporary waiver in XX/XX/XXXX, a year and a half ago, after consolidating my loans as instructed. It indicated a little more than 10 years of service that had already happened with the Consumer Financial Protection Bureau, during which time I made monthly payments on my loans ( Ive actually worked XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I was told it might be easier to just submit a certification from them ). My servicer after the consolidation was XXXX XXXX XXXX, and the loan was transferred to MOHELA in XXXX XXXXXXXX. I have heard back and they are counting my qualifying payments going forward, but not giving me credit for the 10 years that I already put in, which they should under the waiver. When I contact them, I get different responses, but the main one is that they need to have the Dept. of Ed. ( XXXX  ) update them with the correct crediting, but that never happens. I think my application has fallen through the cracks or an incorrect determination was made, and nobody is looking at it now. I can get no information about the current status of any review, which I don't think is happening, though some MOHELA agents have said so. 

I was originally sent, in the normal time frame, a letter saying that I didnt qualify, but I was told to ignore that because the Dept. of Ed. would then review and give me credit, which is what the MOHELA agents also tell me. I have contacted my servicer ( s ) about 10 or 15 times, and Ive submitted a complaint to the Dept. of Ed. twice ( still waiting to hear back from the second ). The response from my first complaint was that I should contact my servicer and they dont respond unless theres a case, which I took to mean I had to sue them (!? ). The general loan forbearance is about to end, and I may soon have to start making payments on a loan that should have been forgiven long ago. I have paid close to {$40000.00} over the years, and I would like to avoid having to continue to pay my student loans into retirement in a couple years.
Consumer complaint received 2021-01-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (MI)

On XX/XX/2021, I received a call from audio call stating to call another number, because my cash card was blocked and to unblock it I needed to call this number XXXX, I called from another phone a person answer and hung up. I feel like the caller had some type of scam attempting to some way take money from cash app. The original number was XXXX. This may be the way people are getting ripped off in the cash app. I checked my cash app it was fine ...
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NY)

I am writing this letter in regards to the Credit Acceptance account on my credit file # XXXX. The payment history for this XXXX XXXX # XXXX reflects the month of XX/XX/XXXX reported as 60 days late on XXXX, 30 days late on XXXX and 30 days late on XXXX. The payment history also reported the month of XX/XX/XXXX as 90 days late on XXXX, 60 days late on XXXX and 60 days late on XXXX. This is inaccurate and places into question which credit bureau is reporting the correct information, there is no way you can be late 60 days and 30 days in the same month. Also, late payments can not be legally verified without furnishing a copy of the creditors bank statements to show proof of missing or late payments. I am requesting a copy of the bank statements from Credit Acceptance for the account # XXXX for the months of XX/XX/XXXX and XX/XX/XXXX. If you can not furnish legal proof of missing or late payments via their bank statements and provide them to me, then I am requesting you update this account to paid on time, never late for the months of XX/XX/XXXX and XX/XX/XXXX due to inaccuracies and false reporting. Please keep in mind that in XXXX the New York State Office of the Attorney General and the CFPB have sued Credit Acceptance for hiding the true cost of credit, setting up borrowers to fail and closing its eyes to harmful practices against consumers.
Consumer complaint received 2023-05-17
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. (CO)

I had an outstanding debt with XXXXXXXX XXXX XXXX. I contacted them on XX/XX/XXXX of this year to make a settlement offer. XXXX agreed to a settlement in the amount of {$3200.00} ( Settlement agreement attached ) Immediately upon agreement, I overnighted a check to XXXX in the amount of {$3200.00}. This check was deposited and cleared my bank on XX/XX/2023. ( Cancelled Check attached ) I contacted Experian and filed a dispute to update the reporting to reflect the agreement. I uploaded a copy of the agreement along with the cancelled check in the Experian portal and confirmed receipt by phone. 

Experian explained that any documentation would be considered fraudulent and false unless confirmed by XXXX. They further explained that ANY information received by a consumer is considered to be false and any information received by a creditor is considered to be true. 

When Experian contacted XXXX they responded by saying they had received NO payment and the account balance and status remain Unchanged. 

I contacted XXXX and was told the employees that respond to disputes did NOT speak to consumers and there was no recourse. 

Having no further recourse with the creditor or the credit reporting company, I am asking the CFPB to respond.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

On XX/XX/year>, I went to Experian 's website. I had recently had a identity theft scare, and was trying to do my best to protect my information. I knew that I could take preventative measures by requesting that my credit be temporarily put on hold, and it was my understanding that the law required that I would not have to pay for this protection. I did this for all three of the credit reporting sites. 

Today, XX/XX/year>, I was checking my bank and credit card accounts to try and figure out if I could afford to buy groceries this week. That is when I discovered a pending charge for {$27.00} dated for today. After a quick search, I found that there were a total of three charges on my credit card from " Experian Credit Report. '' They were all for the same amount and dated one month apart, starting back on XX/XX/XXXX. 

I know that I did not knowingly agree to a monthly subscription fee. The only services I ever received from Experian told me of possible threats to my identity and offered to assist me if I paid them money. I had assumed these emails were marketing scams. I didn't realize I was actually paying to be intimidated. 

The total money that they charged, {$81.00}, may not seem like a lot to a large, internationally traded company. But when you are trying to decide how much you can afford to eat, it is enough to tip the scales. 

The fact that they do this is sick. In our society, we don't get to chose whether the Experian Company 's report affects our lives or not. Experian is one of three company that gathers intel, makes calcuations, and then spits out a numberical judgement of us that will be used to determine so much of our abilities in this world. There is no opt out from their influence. We should at least be able to know whether or not Experian are extorting money from us like XXXX XXXX XXXX.
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

On XX/XX/2023 I filed a complaint with Consumer Financial Protection Case number : XXXX. After filing the complaint, XXXX XXXXXXXX XXXX retaliate by closing my XXXX account. When I called and required about why my account the representative stated that on XX/XX/2023 that called and told them not to contact them again. Which I did not do nor did I contact them on XX/XX/2023. I asked to speak with manager and when the manager came to the phone, she told me three different stories to why it was closed. She started out with the same lie that I called them and when I asked who they spoke with and the time of the day she changed her story and said they talk with a third party of my home. I asked who the third party was and give me a name she couldn't give one. Then she changed the story again and said it was closed because they had the rights to close account because the way the account handled. I asked her to explain and she would explain to what that mean when I told her I had a letter from XXXX removing all these late fees from the account do the way they handle me and the account. 

This was 100 % retaliation this closed account should not be on my credit report and also paid the account balance in full
Consumer complaint received 2024-10-26
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. (AZ)

I WAS A VICTIM OF IDENTITY THEFT, I HAVE SUBMITTED 1 CFPB AND 1 DISPUTE LETTERS WITH LITTLE ACTION TAKEN BY EXPERIAN. I HAVE NOW SUBMITTED AN ADDITIONAL LETTER WITH MORE PROOF OF IDENTITY AND PROOF THAT THESE ACCOUNTS ARENT MINE AND THAT THE BUREAUS ARE VIOLATED MY FEDERAL RIGHTS AND STATE RIGHTS.
Consumer complaint received 2023-05-17
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. (TN)

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report inaccurate information on the fallowing account. I recently sent you a request to investigate the information previously disputed on my consumer report on XX/XX/ your company has not fixed issue. It is still reporting inaccuracies on my consumer report. Please investigate these accounts and send me an updated report with these changes. As these companies are in direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a 1099c form this company please provide me with one do not update this account delete immediately! 

ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT # : XXXX
Consumer complaint received 2023-05-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (NV)

Our lease with the XXXX a XXXX XXXX property ended on XX/XX/XXXX. We paid our rent through the month in full. We received a move out statement indicating that we were responsible for XX/XX/XXXX rent, which was incorrect. It took several calls to get a corrected move out statement sent showing we owed no balance and we were issued a check for the return of our deposit. Two weeks later we started receiving non stop phone calls from a collection agency IQ Data. We let them know it was incorrect and asked to stop the calls. They refused and in addition to the harassing phone calls, started sending letters. I submitted a dispute in writing by mail and email, still continuing collection efforts. I have reached out to the XXXX and XXXX and been told we have a XXXX balance and this will be corrected, it hasnt been and on XX/XX/XXXX IQ Data turned the collection account to the credit reporting agencies. I have called IQ Data, XXXX XXXXnd XXXX as well as sent several communications in writing and even filed a dispute with all XXXX credit agencies and XXXX, the first to respond did nothing, made no updates or corrections. I have no idea where to turn, no one will help us correct their mistake.
Consumer complaint received 2024-10-26
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. (SC)

I am writing to disputed hard inquiries on my credit report that were made without my consent. I according to section 604 of FAIR CREDIT REPORTING TO SECTION 15 U.S.C 168 1B, there are specific permissible purposes for obtaining a credit. I did not authorize these hard inquiries and can not find any permissible purpose under this section that justifies their presence on my report, PLEAS DELELETE HARD INQUIRIES 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 2023-05-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Card Receivables Fund Incorporated (NY)

As it appears on my credit report there are XXXX accounts that have not been proven to be owed by me. These accounts are shown as : XXXX ) - XXXX XXXX on XX/XX/2022, the amount reporting is {$3200.00} by XXXX XXXX XXXX. XXXX ) - XXXX XXXX XXXX reported on XX/XX/2022 by Unifund  XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX The amount alleged is a balance of {$100.00} on XX/XX/2022. Before reporting these false and inaccurate accounts there was no investigation to substantiate these accounts and alleged claims that I owe these companies. I do not have a contract with these debt collection agencies and prood of indebtedness must be shown and proven beyond any doubt before reporting information on my credit report ( 18 USC 8 and 15 USXXXX 1666b ) otherwise this breaks federal law and is considered defamation of character. Legal action will commence against these companies if this information is not removed promptly.
Consumer complaint received 2024-11-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MS)

I called to make my payment today, XXXX XXXX, 2024 at XXXXXXXX XXXX CST. I spoke to a representative, who took my payment because my payment was due today. He notified me that the payment would not post until tomorrow, XXXX XXXX, 2024, because I missed the time of XXXXXXXX XXXX EST, which I expressed my concerns, because I thought I was making the payment on time in my time zone. I missed the deadline by XXXX mins, which resulted in a late fee, which I think is completely unfair. I asked what is the name of the parent company and he told me it is under Comenity Bank. I would like this issue to be looked into and let me know, if this warranted or not, because I think this goes against my consumer rights. Please advise
Consumer complaint received 2023-05-17
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. ()

Complaint regarding Chase Bank 's Misleading Practices and Unfair Treatment I am writing to file a complaint against Chase Bank regarding their misleading practices and unfair treatment. I was provided with incorrect information by Chase bank when I opened a savings account on XX/XX/2023, which resulted in me missing out on a promised {$900.00} bonus. Here are the key points of my complaint : - False Advertising : Chase bank email advised me that I could open a savings account and receive a {$900.00} bonus.The condition was to deposit {$15000.00} within 30 days of opening the account and maintain it for 90 days. However, XXXX later informed me that the money had to be deposited XXXX days right after opening the account, they just refuse to recognize the 30 days time frame. On XX/XX/XXXX, my account surpassed XXXX, so I suppose to receive the bonus 90 days from XX/XX/XXXX, however, the customer service insist I will not and they start to count the time on XX/XX/XXXX. 

- Inadequate Customer Service : The customer service lead, XXXX, refused to provide any further remedy or resolution. 
Despite my explanation and concerns, XXXX continuously assured me that I would not meet the requirements for the bonus. He also refused to further escalate my case. 

- Unfair Interest Rate : Chase bank did not offer a fair interest rate on my savings account. 
I did not receive a competitive rate compared to other financial institutions. During the time of my saving deposit, I have only received a interest payment of XXXX USD. 

- Opportunity Cost : By keeping my money with XXXX for the required XXXX period, I incurred an opportunity cost. I could have invested the funds elsewhere, potentially generating a better return on investment. 

I find Chase Bank 's practices to be deceptive, resulting in financial loss and a lack of trust in their services. I believe that these practices violate consumer protection regulations and request that the XXXX XXXX XXXX XXXX investigate this matter thoroughly. 

I have attached any relevant documentation and evidence to support my complaint. I would appreciate your prompt attention and assistance in resolving this matter. Thank you for your time and consideration. 

Sincerely, XXXX
Consumer complaint received 2024-10-26
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. (SC)

I am writing to disputed hard inquiries on my credit report that were made without my consent. I according to section 604 of FAIR CREDIT REPORTING TO SECTION 15 U.S.C 168 1B, there are specific permissible purposes for obtaining a credit. I did not authorize these hard inquiries and can not find any permissible purpose under this section that justifies their presence on my report, PLEAS DELELETE HARD INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX