davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

XXXX RESPONSE TO THE SAME COMPLAINT SENT TO EXPERIAN AND XXXX XXXX. Do they all conduct the same investigation? 

Company responded Status Company responded on XX/XX/2024 Response Type Closed with non-monetary relief Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Trade : XXXX XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. XXXXXXXX XXXX  THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. XXXX  THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Non Reporting Trade : XXXX XXXX XXXXXXXX XXXX  THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE XXXX CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit XXXX. With XXXX, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free XXXX credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com. 
DESCRIPTION OF NON-MONETARY RELIEF XXXX reviewed the complaint, relevant documents, and completed an investigation where applicable.
Consumer complaint received 2024-09-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: NEW YORK COMMUNITY BANCORP INC (MI)

Flagstar Bank online banking system will not allow bills to paid. I can log in to my accounts see balances and transfer funds from on account to another. When you try to use the bill pay auction the system locks up on the XXXX page. I have contacted XXXX several time via phone and messaging and I have a XXXX number XXXX. I am told they are aware of this issue and I should try to use different methods. I have tried using them and still have the same issue. I also have email that states they have fixed the problem only to find out it has not been fixed and I contacted them again. I have work long and hard to keep a good credit rating and always have paid my bills on time. with the world pushing paperless billing and online bill paying it is very important that they fix this issue. I was also told they changed the system that worked flawlessly for years because of the merger earlier this year and the changes were to keep our accounts safe. They are safe all right you can't spend your money on paying your bills. Now I was told if I want to have my statements mail there would be a charge. I believe that they should of notified all the customers of the changes and at least made sure they worked before implementing the changes.
Consumer complaint received 2024-07-23
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. (NV)

I have sent Equifax the correct stuff that they are reporting incorrectly on my credit report I sent them all the necessary documents and they have not done anything regarding them by just sending me fake letters just to get their response out to me I need them to remove the fraudulent inquiry immediately. 

XXXX XXXX inquiry date XXXXXX/XX/year>
Consumer complaint received 2024-08-26
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (AZ)

CareCredit or otherwise known as XXXX XXXX  closed my account without giving a 45 days notice which I read was a violation of the Truth in Lending Act. I was making on time payments ( paying extra far in advance ) because they said that since I agreed on the terms and agreements that it can be closed to XXXX bounced payments that it automatically closes. The payments were done far in advance and I would pay daily since I get paid daily at my work, but the daily pay systems crashed unexpectedly. Once I could fix it the next day, I had called and had the payments stop until XXXX at my work was working again which took a week. CareCredit is refusing to do the right thing and fix this issue or let me talk to their corporate attorney.
Consumer complaint received 2024-07-04
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. (OH)

in accordance with fair credit reporting act XXXX account 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.
Consumer complaint received 2023-04-24
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. (NY)

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 2024-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (AR)

I called on XX/XX/XXXX to change my user name and password and XXXX step verification process bc I was locked out of my SoFi account. When I did they informed me that I needed to call back and after paying my bills and doing what I needed to financially that we would look at changing information in my account to keep it from being compromised bc the gentleman thought it had been. It has been 3 days with no update, no access to funds, my phone is due to be disconnected, and I cant even buy groceries to feed my XXXX XXXX XXXX child. When I call they tell me they cant send me to anyone other than someone in the security team and Ive talked to numerous supervisors with no update or change other than telling me they have to finish their investigation. I need to feed my child and pay my bills.
Consumer complaint received 2024-07-24
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: EQUIFAX, INC. (FL)

I've discovered unauthorized entries on my credit report, suggesting potential identity theft as I did not authorize these accounts. I have previously brought this issue to your attention and now request immediate removal of these entries from my report. Their presence is causing significant stress as they inaccurately portray my credit history and financial responsibility. Addressing this challenge has been difficult. If not resolved promptly, I will pursue legal action to protect my rights and resolve this matter. These inaccuracies are a serious concern, impacting my ability to achieve important financial milestones like buying a home and supporting my family. I urge you to address this matter urgently.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

There was an IDENTITY THEFT on my name and I have filed a police report for it as well as a police report on the fraudulent accounts that were opened. Please remove AND block the following FRAUDULENT account from my credit report : XXXX XXXX XXXX XXXX Account number : XXXX Total Balance : {$8000.00} I have attached a cope of my police report to this dispute for this Identity Theft.
Consumer complaint received 2024-08-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY (NJ)

I contacted Wells fargo 's escrow department on XX/XX/year>. After a lengthy and painful discussion we discovered that I have been over escrowed by {$21000.00}. Wells Fargo said they would resolve the issue within 10 business days. I have since contacted my local township tax department and they have not heard from Wells Fargo. It is now XXXX weeks later and I have not heard anything nor does anyone know where this money is.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-08-30
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)

I PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES VIA CERTIFIED MAIL ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. 
THESE ACCOUNTS ARE UNVERIFIABLE. 
I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED. 
THESE COMPANIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY FAILURE TO DO SO IS IN VIOLATION OF 15 USC 1681 EB.
Consumer complaint received 2024-08-30
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. (CT)

In accordance with the Fair Credit Reporting act XXXX Account #, 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
Consumer complaint received 2024-08-24
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (CA)

I purchased XXXX items in Banana republic store using Barclays banana republic credit card. I went to the store in XXXX XXXX, CA to return these items on XX/XX/XXXX within 30 day of purchase. The store was unable to process the return due to credit card technical issues ( per store manager ). I called credit card from the store. After talking to customer service rep and store manager, I was advised by card service rep to leave items in the store and she will open the dispute. ( she confirmed with store manager that I left the items ).

As of today, credit card closed the dispute twice, stating lack of evidence and too late to reopen the case. ( cc manager asked me to send letter and prove of return and promised to personally investigate the case. Yesterday Ive learned the case was closed again and I have to pay {$1500.00} ( charge for XXXX items plus now late fees ). I went to the store ( XXXX XXXX XXXX each way for me ) and they promised to follow up on their side, however the credit card representative stated the case is closed and nothing can be done. I am waiting for credit card manager to call me, however I dont believe anyone wants to investigate and resolve this, ultimately making me at fault for their incompetence.
Consumer complaint received 2024-07-26
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. (NJ)

I have repeatedly asked you to verify and validate this account your willful non compliance and negligence has once again violated by consumer rights. The following inaccuracy exist in this reporting after re-investigation : Account Status : is Closed but the Closed Date : reporting states status is missing info to support. 
Account name : XXXX Account # XXXX
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

I will keep on REWRITING to complaint to EXPERIAN about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified since my request is not taken into serious consideration. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and my name is XXXX XXXX. My birthdate is XX/XX/year>. The FTC report numbers related with this complaint XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with 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 in those account 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 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 2024-08-30
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)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX Balanced {$15000.00} XXXXXXXX XXXX XXXX Balanced {$0.00}
Consumer complaint received 2024-08-30
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)

I am writing to dispute this item on my credit report that have infringed upon my federally protected consumer rights to privacy and confidentiality, as guaranteed by 15 USC 1681 of the Fair Credit Reporting Act ( FCRA ).

The following account listed on my credit report have violated my rights : Convergent Account 603534015894**** According to 15 USC 1681b, consumer reporting agencies may only furnish consumer reports under certain circumstances. The unauthorized disclosure of my personal information to these entities constitutes a breach of confidentiality and an infringement upon my right to privacy.

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 2022-09-13
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Revolution Financial Inc. (FL)

Received a call on my phone of XXXX to call a XXXX XXXX at a number that the automated dialer said once with no repeat option from came from the caller id of XXXX. I dialed back the caller id and a lady answered the phone without any company identification and responded someone tried to contact me. She asked my phone number and I gave the XXXX, she informed there is an outstanding payday loan from Fastbucks with the email of XXXX. I informed her that is not my email,, she replied that I use that email to apply for the loan, Before I could ask any more information about the alleged debt, she hung up the phone. I immediately called back to get more information, and before I could ask anything, she informs me that I am harrassing her and she will file a complaint and disconnected the call. I suspect identity theft but unsure without any additional information. I block the number on my phone.
Consumer complaint received 2024-08-30
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)

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 2024-08-30
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. (IL)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"