davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-16
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: CITIBANK, N.A. (CA)

I received mail from Citibank on XX/XX/2019 dated XX/XX/2019 welcoming me to my new checking account with Citibank. On that same day, I received bounced checks and several other pieces of mail regarding this FRAUDULENT account opened in my name with my SS # and address. I immediately phoned Citibank ( XXXX ) and reported that the account was fraudulent and was told that the account would be closed and the Credit companies contacted to report it was a fraudulent account. I requested a letter confirming this and was told I would be sent one ( I did not get the name of the agent ). I was told they would transfer me to the Identity Theft Department and when I got on the line with that dept. they would not answer any of my questions but rather told me that they are offering me a service to fix my identity theft ( XXXX ). I ended that call because I wanted to speak to someone who would tell me how this person succeeded to open this account ( ie. what information about me did this person have? XXXX. I phoned Identity Theft Solutions Dept ( XXXX ) again the next day and requested to speak to a Manager. I spoke with XXXX, and told him that I wanted to know how this person opened this account and what information did they provide about me other than name, SS # and address. He told me that he could not provide that information and also told me that he understood my frustration and would have someone call me back to answer my questions. I phoned again on XX/XX/XXXX, asked for XXXX and was told he was not available and I left a message for a call back. I never received a call back from either XXXX or the person that would answer my questions. On XX/XX/XXXX, I received a letter from Citibank telling me that the change of address I requested on this FRAUDULENT account had been changed per my request. I phoned ( XXXX ) to find out if the account was closed, provided my SS # and the account number and was asked for my security password. I explained I did not have the security password because it is a FRAUDULENT account and the agent would not tell me if the account was closed because she could not " verify me ''. I have made 5 calls with long holdtimes to Citibank and have never received confirmation that this account has been closed, that it will be retracted from any credit reporting or to receive information about how this person verified they were me when opening the account.
Consumer complaint received 2024-07-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BARCLAYS BANK DELAWARE (PA)

I been sued for a time barred debt. Its credit card with the last payment being made in XXXX XXXX. They also lied and said the last payment was in XXXX.
Consumer complaint received 2024-06-04
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. (TX)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-06-04
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. (TN)

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 2024-08-10
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)

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

Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX : Balance : {$6500.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX : Balance : {$1400.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$350.00} Account Name : XXXX : Account Number XXXX XXXX : Balance : {$240.00} Account Name : XXXX : Account Number : XXXX : Balance : {$630.00} Account Name : XXXX : Account Number : XXXX : Balance : {$1800.00} Account Name : XXXX XXXX : Account Number:XXXX : Balance : {$1200.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (NC)

I was notified of this delinquent account from XXXX  on XXXX they called me about 30 times a day. The account is in my Fathers name XXXX XXXX, so does not belong to me, which they knew and stated but still said information was accurate when I disputed it with the credit card bureaus. It is also over the stature of limitation for my state North Carolina XXXX, so they are breaking 2 laws. They said they would send to the credit reporting bureaus updated information in XXXX XXXX still have seen an update or anything mailed to me from them which they said they would. Midland Credit Management is the company.
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

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

15.U.S.C 1681 section 604 section2 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX ( XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MI XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MI XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX ( XXXX )
Consumer complaint received 2024-06-04
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. (NV)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-02-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (TX)

My ex husband stole over {$3000.00} from my account while I was XXXX. My mother had my card and personal information to my bank only she did not give the information or the authorization to 60+ transactions he made to my account which is now closed because after denying my disputes they accused me of making a purchase against their policy and closed my account. Then proceeded to tell me that when I filed an appeal that they would not let me have the money that would be reimbursed to me I would not receive it in check nor could I withdraw it from my account after it was closed. For one I didn't have a job and I was in XXXX  so I couldn't have made the purchase against their policy and I was XXXX  when the transaction took place. I disputed them as best I could with their poor customer service which I had to make multiple disputes due to the customer service agent not paying attention and disputing all of them on one dispute ticket I had to call multiple times to get all disputes disputed. I waited longer than 45 days for their decisions and all was found no error occured I went to dispute their decisions and they told me my account would be closed leaving me in a hard bind and no longer owning a bank account I've had for over 5 yrs. I feel as if they didn't listen to me and decided to not reimburse me my $ XXXX I do have all the documents on this issue but do not have them available at this present time. If needed documents at later date feel free to ask
Consumer complaint received 2024-06-04
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. (WI)

In accordance with the fair credit reporting act. The list of accounts below has violated my protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX Account Number XXXX 15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C. 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 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 that 7 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 the information is accurate.
Consumer complaint received 2024-08-07
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. (MD)

Formal Complaint Against XXXX for Inaccurate Late Payment Reporting Dear Consumer Financial Protection Bureau ( CFPB ) , I am writing to formally report and dispute the inaccurate reporting of late payments by XXXX a XXXX  XXXX service provider. Despite canceling my service and paying off the remaining balance, they continue to report a late payment on my credit report, which is detrimental to my credit standing. The account details are as follows : Account Number : XXXX Violations and Consumer Law References : Fair Credit Reporting Act ( FCRA ) Section 1681s-2 : This mandates furnishers of information to credit reporting agencies to report accurate information. XXXX continuous reporting of late payments on a settled account is a direct violation of this section. The supposed missed payment occurred as a required step in the service cancelation process, but as a way of retaliation, they have been reporting it as a missed payment on my credit report. 

Fair Debt Collection Practices Act ( FDCPA ) : By reporting a debt inaccurately, XXXX is engaging in misleading practices that may constitute a violation under the FDCPA, which protects consumers from false and deceptive collection practices.
Consumer complaint received 2024-06-04
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 was a victim of identity theft and I am currently in distress and suffering from anxiety because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report.
Consumer complaint received 2024-06-04
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. (MO)

in accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 usc 1681. 
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX and also XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX and also XXXX # XXXX child support informant XXXX # XXXX and also XXXX # XXXX violated my rights. I looked at my XXXX  credit report XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to15 usc 1681 ( e ) ( b ) 1 ) 15 usc 1681 section 602 ( a ) states I have the right to privacy.

2 ) 15 usc 1681 section 604 ( a ) section 2 it also states a consumer reporting agency can not furnish a account without my written consent.

3 ) 15 usc 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than 7 years.

4 ) 15 usc 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 2024-01-09
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shellpoint Partners, LLC (WA)

Shellpoint a division of Newrez has been sending me bills for months, i have talked to them on the phone and asked for a copy of all documents/ agreements, contracts and promissory note. 
I then followed up with an email. 
On XX/XX/2023 I sent documents via certified mail # XXXX. 
Shellpoint received my documents on XX/XX/2023. 
I have sent multiple fax 's to this company asking to validate this because I do not have an account with this company. 
This company ignores my requests and continues to send me a bill in the mail every couple of days. These letters/ notices are coming from 4 or 5 different addresses there is not any consistency to these letters and who/ and or what is sending them. 
I still have not received the documents i have requested. This is Fraud and Identity Theft. 
I am attaching the documents i have send VIA fax as well as certified mail. Now they have attached this to my credit report. I do not have an account with this company i never have and this company has failed to provide proof of this debt with a contract and or agreement between Shellpoint a division of Newrez and I.
Consumer complaint received 2024-08-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HYUNDAI CAPITAL AMERICA (OH)

This is a formal and urgent demand for the immediate validation of an alleged debt that Kia Finance America claims I owe. Upon reviewing my credit report, I noticed an entry from Kia Finance America. However, there is no corresponding account number listed on the report, which only adds to the suspicion that this debt is either incorrect or entirely fraudulent.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

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. these are the accounts :
Consumer complaint received 2024-06-04
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: Experian Information Solutions Inc. (GA)

On XX/XX/year> I sent a letter to XXXX XXXX requesting that they remove inaccurate bankruptcy information that is being reported on my credit report. 

They responded that the information was verified and that it would not be removed. 

I sent a follow-up letter on XX/XX/year> requesting for the second time that they remove this information. 

XXXX, stated that this information would remain and they will not investigate any further regarding this issue.
Consumer complaint received 2024-06-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (CA)

Regarding the disputed hospital bill with Claim Number XXXX, it has been identified that the service was submitted for payment after the claim filing time limit. When I was admitted to the hospital, I provided all of my insurance information, which was made available to all parties involved in my treatment during my stay, including XXXX XXXXXXXX XXXX XXXX It is evident that XXXX XXXX failed to file a claim in accordance with their contractual agreement with XXXX XXXX XXXX, with whom I held XXXX policies at that time. Had they submitted the claim as required, they would have been reimbursed in full. As per the detailed message, I, XXXX XXXX, am not responsible for the amount of {$2900.00}. I have taken the necessary steps to dispute this billing discrepancy with XXXX XXXXXXXX XXXX XXXX XXXXXXXX National Recovery Agency. XXXX XXXX of XXXX has acknowledged the error and confirmed that the billed amount is not my, XXXX XXXX 's, responsibility. They have issued a corrected statement indicating a {$0.00} balance. Despite submitting the required documentation to the National Recovery Agency, they have disregarded my dispute and sent back an itemized bill. It is evident from the provided information that the l am not liable for the claimed amount. In light of the detailed message and the actions taken to rectify this billing error, I request that the erroneous debt of {$2900.00} be removed from my, XXXX XXXX 's, records promptly. I appreciate your attention to this matter and look forward to a swift resolution. Should you require further information or documentation, please do not hesitate to contact me at XXXX or ( XXXX ) XXXX.