davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: PNC Bank N.A. (OH)

After finding out our local grocery store XXXX XXXX in XXXX XXXX found card XXXX in each of their stores, Dates of theft began in XXXX thru till we had the cards replaced in XXXX, after looking into our accounts both joint and my wife 's and found charges we never made, there was even a big one at a restaurant we never knew existed, I even met with the manager there and he searched to their data base and did not find my wife 's card using the last XXXX digits anywhere dating from XX/XX/XXXX thru XX/XX/XXXX, nowhere in ether of their locations in XXXX Ohio, XXXX Ohio or XXXX MI. that charge was for {$51.00} and still twice PNC denied the disputes claiming Historical pattern of use, the restaurant XXXX XXXX has been open less than a year per the manager, We never heard of it. I even supplied the managers name and number, and the XXXX XXXX XXXX detectives name and number they refused to call them and told me to do my own investigation, I havw tried calling Apples corporate office and I get a accountant that tells me he does not have the corporate number or the names of the corporate officers. PNC claims the cards with Chips. and a skimmer can get the cards info with software called SHIMMING, According to XXXX and the FTC. I have been with this back since XXXX when it was National City now after 50 years WE are beinbg treated as thieves. I the money returned, PNC has refused to do a complete investigation, by telling me to do my own.
Consumer complaint received 2024-08-15
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CT)

Account XXXX XXXX XXXX XXXX XXXXXXXX From the first statement XXXX, Synchrony Bank did not apply payments correctly or on time resulting in late fees. and frustration with customer service when trying to resolve the many issues. On my account there is a long and detailed history of communication, approximately 50 messages and many recorded phone calls. 

Finally XXXX years later, XXXX XXXX XXXX XXXX XXXX XXXX Consumer Relations reviewed my file XXXX ( attached ), acknowledged the error by Synchrony, and attempted to clear all late payment and interest fees charged to date. However, immediately on the next statement and subsequent statements there were again interest charges and/or late fees. 

Given the clear history of cheque-processing problems starting with the first cheque ( as acknowledged above ), I requested that the XX/XX/year> {$41.00} late fee with payment posted XX/XX/XXXX be waived but was advised by XXXX XXXX that the threshold of waiving had been reached. 

My promotional purchase debt has been paid in full as per the contract, the last payment of {$110.00} on XXXX.
Consumer complaint received 2024-08-04
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: LoanCare, LLC (NJ)

Toom It May Concern : I am writing to formally lodge a complaint against XXXX XXXX XXXX regarding their ongoing issues with inaccurate credit reporting and their refusal to remove Private Mortgage Insurance ( PMI ) on my FHA loan, despite meeting the necessary conditions for its removal. 

I have been a customer of XXXX XXXX XXXX for over seven years, during which I have maintained an excellent payment history, especially notable during the challenges presented by the recent pandemic. Despite this, XXXX has reported multiple instances of late payments to credit bureaus that are factually incorrect. For example, my payment for XX/XX/XXXX was made on time, as per the XXXX of XXXX, which can be substantiated by the transaction records on their own online portal and my bank statements. However, XXXX incorrectly reported this payment as late to the credit bureaus, a mistake that they have acknowledged yet have failed to correct. 

Furthermore, I have been eligible for the removal of PMI due to the tenure of the loan exceeding seven years and the equity in my home increasing significantly. Despite multiple attempts to discuss and resolve these matters, XXXX has continually displayed a lack of cooperation and accountability. My most recent communication with them on XX/XX/XXXX involved prolonged hold times and being transferred between departments without resolution. During a conversation with a representative from the Loss Mitigation department, it was verbally acknowledged that the late payment reporting was erroneous. However, they refused to provide any written confirmation or documentation to verify their commitment to rectify this error. 

This lack of response and the continued mismanagement of my account details have not only caused significant distress but have also negatively impacted my credit score and financial standing. It is concerning that XXXX has previously been sued for similar issues, indicating a pattern of negligence and malpractice. 

Given these circumstances, I urge the Consumer Financial Protection Bureau to intervene and investigate these practices by XXXX XXXX XXXX. I am seeking the correction of all inaccuracies in my credit reporting, written confirmation from XXXX regarding these corrections, and the removal of PMI from my loan as per the eligibility criteria. 

Thank you for your attention to this serious matter. I am eager to see this issue resolved promptly and fairly. 

Sincerely, XXXX XXXX XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX  can make mistakes. Check important info.
Consumer complaint received 2024-07-04
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Paying off the loan
Company: SELECT PORTFOLIO SERVICING, INC. (SC)

Mortgage payment I paid to Select portfolio servicing was {$3700.00}. Select portfolio servicing documents states " payment in full '' {$3200.00}. I requested a refund of {$530.00} due to over payment. Was told the refund they processed is in the amount of {$130.00}. why? When there were no late charges or penalties of ANY kind. Six Select portfolio servicing employees and supervisors have stated that I will receive a refund from escrow and the principal. I paid the mortgage for the loan due to the home and land was willed to me by the previous owner. And I have been told so many untruths by this company.
Consumer complaint received 2024-05-07
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: EQUIFAX, INC. (OR)

I've been trying to fix my credit reporting since last year by sending legal documents to EQUIFAX and yet they keep on invalidating my claim and even invalidating what the FTC instruction was telling me to do. This is illegal! I know my right to have an accurate reporting in compliance to FCRA. They have been consistently stalling the removal of those fraudulent inquiries. i want those fraudulent inquiries to be removed as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. Do not deprive me of my right. 

XXXX inquiry date XX/XX/XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX
Consumer complaint received 2024-04-23
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: EQUIFAX, INC. (OR)

I've been trying to fix my credit reporting with XXXX by sending legal documents to the credit bureau and yet they keep on invalidating my claim and even invalidating what the FTC instruction was telling me to do. I know my right to have an accurate reporting in compliance to FCRA. There are fraudulent inquiries in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. 

XXXX inquiry date XX/XX/XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

As of XX/XX/XXXX, noted there was a change to my personal profile on Capital One site. Primary name is now reported as XXXX XXXX XXXX instead of XXXX XXXX XXXX. I called XXXX XX/XX/XXXX and was advised the name change is due to creditor reporting. Capital One is the only credit card reporting this change. XXXX advised me to contact Capital One. When I called Capital One, I was advised XXXX is the reporting agency that is causing the change. I advised I would contact CFPB as I am getting nowhere with either entity.
Consumer complaint received 2024-02-21
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: EQUIFAX, INC. (OR)

I recently checked my XXXX and Equifax XXXX XXXX and saw XXXX fraudulent hard inquiries on my credit reports. I have asked the bureaus to immediately remove all these fraudulent credit card accounts from my XXXX XXXX. I need the following hard inquiries deleted and removed immediately : XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Please provide me proof of original signatures, if you can not, please immediately delete and remove this hard inquiries from my credit reports. I've unfortunately been a victim of Identity Theft, and want my credit reports to reflect legal and truthful information only.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

Please take a look at the attached letters and ID docs for verification that it is 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 2024-09-06
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. (NJ)

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-06
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. (GA)

Consumer Name : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Consumer SSN : last four XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of loans from XXXX  XXXX XXXX with a balance of {$1300.00}, XXXX  XXXX XXXX with a balance of {$1400.00}, XXXX XXXX  with a balance of {$30000.00}, a credit card from XXXX XXXX  with unknown balance, Inquiries : XXXX XXXX XXXX dated XX/XX/XXXX, XXXX XXXX  dated XX/XX/XXXX, XXXX  XXXX XXXX dated XX/XX/XXXX, XXXX dated XX/XX/XXXX. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-09-06
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. (PA)

When I checked my credit report tonight, I was absolutely stunned to see inaccurate accounts listed, and I have no clue how they ended up there. Ive always checked my report regularly without any issues, but today, there were discrepancies that blindsided me. I thought maybe it was just a browser issue, so I refreshed it, but the false accounts stayed. Given this situation, Im urgently requesting that the documents Ive provided be thoroughly reviewed so that I dont have to live with this concern anymore.
Consumer complaint received 2024-09-06
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 am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
Consumer complaint received 2024-09-06
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)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. XXXX FIN XXXX BALANCED {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2024-09-06
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. (NC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

Please take a look at the attached letters and ID docs for verification that it is I 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 2024-09-06
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. (MI)

In accordance with the Fair Creait Reporting act. The List or accounts below nas violatea my rederally protectea consumer rignis 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 XXXX XXXX XXXX XXXX has violated my rights. 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 2024-09-25
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. (FL)

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 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of XXXX XXXX, specifically debt bondagewhich falls under XXXX as defined by the XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ) I have incurred debts that are a direct result of this criminal activity.Per the guidance from the Consumer Financial Protection Bureau XXXX CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to XX/XX/XXXX debt bondage.According to Section 605C of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block and remove any adverse information resulting from XXXX XXXX within four business days upon receipt of sufficient documentation. Furthermore, 12 C.F.R. 1022.142 mandates the immediate removal of such information. I have provided all necessary documentation, including a victim determination letter in accordance with 12 C.F.R. 1022.142 ( b ) ( 6 ). As only two forms of documentation are required by law, I trust that the enclosed materials suffice for this request. I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from human XXXX.
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. (IL)

I am writing to request the immediate blocking and deletion of the accounts and inquiries listed below, as I am a victim of a recent data breach. This request is made in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ).

Account to be Blocked and Deleted : XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} Inquiries to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

My account with XXXX XXXXDEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXXDEPT OF ED, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.