davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Recently i did an investigation on my credit report and found several items on there to be inaccurate Under 15 U.S Code 1681e ( b ) 15 U.S. Code 1681i ( 5 ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX XXXX : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + Automotive XXXX XXXXXXXX VIA DEALER Inquiry : XXXX XXXX, XXXX + Finance/PersonaXXXX XXXX XXXX  XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank XXXX XXXXXXXX VIA DEALER Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX XXXX : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + Automotive XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX + Automotive XXXX XXXX Inquiry : XXXX XXXX, XXXX + Automotive XXXX  XXXX XXXX XXXX : XXXX XXXX, XXXX + Automotive XXXX Inquiry : XXXX XXXX, XXXX + Bank XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX Credit Union XXXX XXXX
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

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 that I have the right to privacy. 

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXXXXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : According to my records, the payment in question was made on time. Attached, I have included my bank statements showing that the payment was processed and cleared before the due date. 
Clerical Error : It appears there may have been a clerical error in how the payment was recorded by the creditor. I have verified the payment confirmation from my online banking records, which shows the payment date and the amount, indicating the account was paid in full on time. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and XXXX, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXXXXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXXXXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : According to my records, the payment in question was made on time. Attached, I have included my bank statements showing that the payment was processed and cleared before the due date. 
Clerical Error : It appears there may have been a clerical error in how the payment was recorded by the creditor. I have verified the payment confirmation from my online banking records, which shows the payment date and the amount, indicating the account was paid in full on time. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and XXXX, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

In accordance with the federal credit report act. The list of the accounts below Has validated my Federally protected Consumer rights to Privacy and confidentiality under 15 usc1681. XXXX acct # XXXX, XXXXXXXX XXXX XXXX  act # XXXX & XXXXXXXX XXXX XXXX XXXX XXXX  act # XXXX XXXX XXXX  # XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602A States that I have the right to privacy. 15 U.S.C 1681 section 604A secton 2 It also states that a consumer reporting agency can not Furnish an 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 the 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 responsible Cause to believe the information is in accurate
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (SC)

XXXX Hope you good Im reachin out to tell you I dispute the debt under the Fair Debt Collection Practices Act No need for more proof or documents Im just lettin you know I aint with it If you need to reach me do it by email only Monday to Friday from XXXX to XXXX east coast time Anything else like live calls voicemails or sendin mail through USPS XXXX or XXXX is just too much of a hassle Thanks for XXXX XXXX
Consumer complaint received 2024-09-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Neon Newco Corporation (TX)

Someone named XXXX XXXX received a debit card mailed to my address. As I have been living here since XXXX ' and do not know XXXX XXXX I believe this to be an account that was setup fraudulently. I reached out to the issuing company and they have repeatedly pointed me to a phone number that is an automated system for their existing customers. Once I call in I get to a point where the automated system is requesting a social security number to proceed. I do not have any connection to this company outside of them mistakenly issuing credit to someone based off of a fraudulent application, I have no reason to provide any personal information to them. The people that I have been in contact with have been less than helpful and do not seem to be concerned about this issue.
Consumer complaint received 2024-09-25
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. (RI)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-25
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. (FL)

I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefitted from it. I have already reported this to the Federal Trade Commission but they are not removed from my report, this is causing me tremendous anxiety.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (ND)

Experian has my employer as XXXX XXXX, XXXX, XXXX. I have not worked there since XXXX. I have disputed this at least XXXX times. I have worked for XXXX different entities of XXXX XXXX  XXXX XXXX  since XXXX XXXX, XXXX ( XXXX XXXX ).
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

This account was charged off on the following date ( XX/XX/year> ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX  - XXXX
Consumer complaint received 2024-09-24
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. (WA)

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

I received an alert from credit wise that my credit score went down approximately 60 points. This did not make much sense to me, as I have not had any significant financial changes. When I inquired further, XXXX had reported this month that I had double the student loan accounts than I do to XXXX ( I have 7 XXXX student loans, they are reporting I have 14 and double the student debt. ) XXXX reported to Equifax that all 7 of my student loan accounts were closed and then subsequently re-opened, which is also incorrect. I received this notification on XX/XX/year>. I reached out to XXXX, but no one answered. I filed a complaint on the federal student aid website and sent disputes to the respective credit bureaus. There does not seem to be a change to my XXXX reporting.
Consumer complaint received 2024-09-17
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (PA)

Experian XXXX XXXX still dont remove this account from my credit report. 
I moved out of the XXXX XXXX XXXX apartment when my lease ended I didnt renew the lease When I first moved in this apartment I had to pay one month rent and one month security and when I moved out I didnt get this money back and now they are trying to charge me late charges for every day and the month of XXXX that I never was in the apartment. 
They are trying to say that I broke the lease but I moved out when I finished my lease and the money from my deposit shouldve had covered. 
It was removed from XXXX and XXXX credit reports but Experian is still have it this is the only one out of the three credit reports company that is messing up my credit this company was still having an account since 2018 that was included in a bankruptcy and when I tried to call them you cant get nowhere they are only trying to sell products like car insurance and other offers. 
I dont think its the management from the apartment the problem with my credit report I believe is expedan because the other XXXX companies removed my report after a dispute but I disputed twice with Experan and they still dont remove it. 
This company is messing with my credit Thanks for your help.
Consumer complaint received 2024-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (FL)

After realizing I was being charged exorbitant interest amounts that were in excess of what I expected, I took out a loan from my 401K to pay this account off. I made a payment at XXXX XXXX Synchrony Bank of {$3200.00} ( my remaining balance ) on XX/XX/2024.

On XX/XX/2024, I received a voice mail telling me that my new balance was {$3200.00} + {$30.00} returned check charge. They have also reduced my credit limit, so it appears as though I am over the limit. After viewing my account online, attempting to chat online ( with responses that made no sense to my inquiry ), then calling to speak with a representative. They make it as difficult as possible to talk to a live person as they can. I finally got through to a female who I could barely hear. I asked for the details surrounding the returned check charge and why the payment did not go through - she told me my account had insufficient funds. There was ( and is ) ample money to pay this balance in my account. So I asked where on the website can I go to view the details of the transaction to determine if I entered something incorrectly - she said on the statement. I told her it is not there and she transferred me to XXXX in tech. His tone of voice was short & rude from him introducing himself. I asked where on the website can I view the details of the transaction, and he told me that I can't. I said I want to view the payment methods like I can on XXXX. He said that I can't do that on the website. That the site is a banking site. He continually chided my tone ( upset ), and told me that each time I spoke it was my last opportunity. I asked him again for the details of the transaction and he said that the account # was wrong ( new story ). I told him his site was sh! t, and he scolded me again for cursing at him. He then pronounced my name very wrong and would not correct himself or apologize. 
If there was an issue with my account information that was entered, I should have received a communication allowing me to correct these details prior to being charged a return check charge. 
This company is a predatory lender who engages in unfair and deceptive practices and should be fined, censured, and held accountable. Their public facing staff should be better trained, and there should be transparent details on how to contact the lender, how to file a complaint with the company, and how to quickly and easily speak to a stateside representative who can actually answer valid questions. 
I have used CareCredit for 2 years, 1 month, and 29 days. I have paid 30 % + interest on total balances instead of the balance remaining after paying during the deferral period. I can not locate on the website the total amount in dollars I have paid in interest over those two years because the statements only go back one year. I imagine they want to hide this information from consumers. 
Why is CareCredit still allowed to take advantage of Americans in need, without transparency and full details?
Consumer complaint received 2024-09-25
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. (CA)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX
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: Experian Information Solutions Inc. (FL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
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: Experian Information Solutions Inc. (NC)

I have my student loans reported on my credit report which is a violation of my rights under 20 USC 1232g ( b ) The Family Educational Rights and Privacy Act which states that " No funds under any applicable program shall be made available to any State educational agency ( whether or not that agency is an educational agency or institution under this section ) that has a policy of denying, or effectively prevents, the parents of students the right to inspect and review the education records maintained by the State educational agency on their children who are or have been in attendance at any school of an educational agency or institution that is subject to the provisions of this section. 

Not only a violation of my rights under 20 USC 1232g ( B ) but also reporting this is also in direct violation with the Fair Credit Reporting Act
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : I am filing this CFPB complaint to request that Equifax XXXX pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), block information on my credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. 

The fraudulent, inaccurate, and false information includes : XXXX. - XXXX Account : XXXX XXXX Owed {$3600.00} XXXX XXXX. XXXX Account XXXX XXXX : {$7200.00} Opened : XX/XX/XXXX XXXX. XXXX XXXX Account : XXXX : {$11000.00} Opened : XX/XX/XXXX XXXX. XXXX Account : XXXX Balance : {$1200.00} Date Opened : XX/XX/XXXX -- -- These accounts have led to several unauthorized hard inquiries and fraudulent collections on my XXXX credit report. All these accounts, collections, and inquiries are the result of identity theft and fraud. 

Enclosed is a copy of the FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all the mentioned credit accounts, collections, and inquiries are due to identity theft and fraud.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.