davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I XXXX XXXX am reaching out to the CFPB for help pertaining to FCRA violation ( s ) from the credit reporting agency Experian. I have notified Experian of all these violation ( s ) and issues which I will attach in the following documentation. They have deliberately even after being notified continue to keep reporting misleading, false & inaccurate information on my consumer credit report. This is pertaining to XXXX  XXXX XXXX under account # XXXX for report # XXXX that was generated from the dispute result ( s ) on XXXX XXXX XXXX. Not only is this documentation attached they are reporting 30 day late, 60 day late and a chargeoff remark for a XXXX  XXXX XXXX secured card that was paid in full and this account was never late. Additionally, there is a no data for this period remark for XX/XX/XXXX yet they have posted under balance histories a balance on this credit card yet how is this possible with no data this is severly misleading. To make matters worse for XX/XX/XXXX there was a balance under balance histories of {$3300.00} as being stated on this card yet there was a scheduled payment for {$140.00} and there is no payment ( XXXX ) said being made on this account from XX/XX/XXXX so how did the balance drop {$3000.00} all of a sudden in XXXX of XXXX  if there is no data for this period. Not only is this consumer reporting agency reporting inaccurate information they are reporting an account as charged off, late for 2 months & no data available with a balance history section and payment history section that does not reflect the status of the account or the right information pertaining to this XXXX  XXXX XXXX account that was never late and paid on time. Additionally, this account is a secured credit card meaning type of credit card that requires a one-time, refundable security deposit from the cardholder. So not only was this my money not only did I not get my security deposit back this account is reporting delinquent when it was never delinquent as I am the original creditor and my money was what allowed this account to exist. The way that it was reporting before the dispute and after the dispute is still affecting my credit for the worse and if the account is paid and closed under status how is this account charged-off XXXX and if the account is closed why is there no closed remark under payment history if status of the account says paid and closed. To make matters worse it says {$3300.00} was written off but there was no written off balance if the account was paid and closed XXXX  There is a multitde of issues with this account reporting and if this account isn't furnished properly with the payment history, balance histories, and status I will look to file a lawsuit in federal court aganist Experian for their violation of my consumer right ( s ). They did not notify me of how this information was verified upon request or that an investigation was underway and/or when it closed.
Consumer complaint received 2024-10-28
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)

I am writing to demand the immediate removal or correction of inaccurate information regarding my XXXX XXXX XXXX account as reported by your bureau. This letter serves as a formal notice that I have previously requested validation of this account ; however, no documentation has been provided to substantiate its accuracy. Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S. Code 1681i ), I am entitled to a full investigation of disputed items and the right to receive supporting documentation. Since the requested documents have not been provided, I am demanding that the balance be corrected to {$0.00} and that the inaccurate payment history be addressed.
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. (PA)

I was stunned to find inaccurate accounts on my credit report this afternoon, and I have no idea how they got there. I check my report regularly, but this time there were unexpected discrepancies. I even refreshed my browser, hoping it was a glitch, but nothing changed. XXXX requesting that the documents I submitted be carefully reviewed to ensure this never happens again.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

I have been a victim of identity theft and have attempted to have accounts removed from my credit report without success. I have provided all the necessary information to the credit agencies and the companies for years and still no resolution has been rendered. XXXX XXXX XXXX opened in XXXX of XXXX with a balance of {$6700.00} is fraudulent and needs to be removed. XXXX XXXX opened in XXXX of XXXX with a balance of {$20000.00} is fraudulent and needs to be removed. XXXX XXXX XXXX opened in XX/XX/XXXX with a balance of {$1100.00} is fraudulent and needs to be removed. XXXX XXXX opened in XXXX of XXXX with a balance of {$890.00} is fraudulent and needs to be removed. XXXX XXXX opened in XXXX of XXXX with a balance of {$2100.00} is fraudulent and needs to be removed. XXXX XXXX XXXX XXXX opened in XXXX of XXXX with a balance of {$1000.00} is fraudulent and needs to be removed. XXXX XXXX opened in XXXX of XXXX with a balance of {$520.00} is fraudulent and needs to be removed. I have already filed an Identity theft claim with the FTC and my reference number with them is XXXX.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Do you know or have any idea how distressing it is when youre working your way off honestly, then you look at your credit report erroneous information everywhere that has negatively impacted both my credit score and my life, it is my literal lifeline during emergencies, and every paycheck is an emergency.
Consumer complaint received 2024-09-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Upstart Holdings, Inc. (NC)

There are collection debts on my credit report, and the credit bureau isn't providing me the information requested according to 15 US Code 1692g. I have sent them Identity theft and police reports, and no action has been taken to remove the error from my credit report.
Consumer complaint received 2024-09-30
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. ()

I made an in-store payment on my account on XX/XX/XXXX, and I have the receipt for my records. For some reason, Macy returned my payment and issued me a check. I called and requested that the check be credited to my account. 
Several weeks pass, and I receive a statement with a balance due, interest, and late fees. 
Finally, after several calls, they told me to cash the Macy 's check that was issued and make the payment again. I did that, but in the process, Macy 's continued charging me late fees and interest, which affected my credit score tremendously. 
I called again on XX/XX/XXXX, and I was told to call back in a month because my account is currently under review, and there is nothing they can do. They said the account is charged off. My issue is that my account should have never been charged off or accumulated so many late fees and interestalso, my credit score.

It has been over a year, and I have not gotten any help.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score.

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2024-09-30
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: FORD MOTOR CREDIT CO. (PA)

I leased a vehicle and finance through Ford Credit. I set up online payment and was charge the first month. However, Ford claimed that because I did it on a holiday weekend their system did not allowing reoccurring charges or auto pay. This was not on their website, there was nothing on their site to tell me that this was only going to be a one time charge. I have a screen capture to prove what I am saying. 
However, the second month did not charge and Ford credit failed to notify me that the account was going to be late. The notified me 34 days pass due via email and I took the necessary step to ensure that the account was up to date and payments were on time. 
Ford is refusing to remove the delinquent report even though I can prove it was their system that cause the error. Subsequent calls to Ford credit culminated in very little being done to repair the harm to my credit. Ford is claiming that their experience with the account is that of delinquency even though I have decades of outstanding credit. The account is up to date and no money is owed. After months of on time transactions and continue on time payments, Ford Credit is refusing to issue a retraction and as a result the report is negatively impacting my credit score and is costing me more for credit. I believe Ford is purposefully damaging the credit of consumers. I have the necessary evidence to support this claim, their excuses are a little suspect since It would not be in their best interest to damage potential customers, unless their intent is to charge more for their service due to bad credit.
Consumer complaint received 2023-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC (NC)

I received two letters on XXXX, which were both sent on XXXX, one of which said they were temporarily blocking the account because of recent activity, and the other stated that they received my updated address. I phoned the company today, and let them know that wasn't my account, and I did not apply for it or use it, and that they should close it. I would not give them full social security information, nor my date of birth, since there were three different phone numbers on the letters, which I thought was odd. Please help me get this Milestone Mastercard account closed. The account ending was XXXX and it showed to have a balance of {$300.00} on it at the date of the letter. 

I sent a letter on XX/XX/23, along with the Dispute letter to the Company, FTC Identity Theft Report, proof of identity, and Notice XXXX XXXX XXXX XXXX, and got a letter on XX/XX/23 telling me to send information again, so I sent a follow-up on XX/XX/23 by fax with the Dispute follow up letter to the Company, FTC Identity XXXX Report, proof of identity, and Notice to XXXX XXXX XXXX XXXX 

I have frozen my accounts at the three major credit bureaus again, and have found that the company that has that credit card, Genesis FS Card Services, has put it on my XXXX credit report with a balance of {$0.00}, but I do not want it on any of my reports since it is not mine!
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

To Whom It May Concern, This letter serves as an official dispute regarding inaccurate and unauthorized information that has recently reappeared on my credit report after being properly removed. I am writing to demand the immediate correction of these erroneous entries, and I am prepared to take legal action if this matter is not addressed promptly. 

The following accounts, which were previously removed from my credit report, have been added again without justification : XXXX XXXX XXXX : A closed account showing a balance of {$900.00}. 
XXXX. XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX  : A closed account showing a balance of {$3100.00}. 

Additionally, the report reflects late payments on my XXXX XXXX XXXX XXXX account, which has been closed for some time. These late payments are inaccurate and damaging to my credit. 

Under the Fair Credit Reporting Act ( FCRA ), it is your legal obligation to ensure the accuracy of the information on my credit report. Re-inserting previously deleted accounts without providing any formal notification or validation violates the FCRA. Further, continuing to report false late payments damages my financial standing and reputation. 

I demand that you : XXXX. Immediately remove the XXXX XXXX and XXXX XXXX accounts from my credit report as they were closed and already removed previously. 
XXXX. Remove all inaccurate late payments associated with my closed XXXX XXXX XXXX XXXX account. 
XXXX. Provide me with written confirmation that these changes have been made within 15 days of receipt of this letter. 

Failure to resolve this issue promptly will leave me with no choice but to pursue all available legal remedies. This includes filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as initiating a lawsuit for damages caused by your reckless and negligent handling of my credit report. 

Please consider this your final warning before legal action is taken. I look forward to your swift response and resolution of this matter.
Consumer complaint received 2024-09-28
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. (TX)

I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I've complained about being a victim of identity theft. You must remove any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$320.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-03-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CITIBANK, N.A. (CA)

XX/XX/2023 I received alert that my credit report was ran when the Citibank website specifically stated check to see you qualify for a loan without it affecting your credit score. I called to follow up on the concerns and got transferred 12 times to different departments.On the final transfer it went to Public affairs department when I asked to speak to public affairs.Also Citibank stated I to many inquiries when I only had 6 at the time. I am XXXX XXXX with Citibank XXXX XXXXXXXX XXXX XXXX XXXX  and I should not be treated that way after being transferred 12 times. I dont know if there is a language barrier between the overseas and United States call centers. 
I am requesting that the inquiry be removed because the website specifically stated that checking the rate will not negatively impact the credit.The message is in red letters on the app. I am assuming most of the banks are doing this screening out process now. I dont know why keep having issues with the customer service to the point that I got transferred to Public affairs office when I clearly ask to speak to a Supervisor.
Consumer complaint received 2024-10-28
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. (WA)

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

XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX acc.name XXXX XXXX XXXX XXXX XXXXXXXX acc.name : XXXX XXXX XXXX XXXX. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ]
Consumer complaint received 2023-03-28
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : XXXX XXXX XXXX Date Open : XX/XX/1999 Balance : {$620000.00}.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I am writing to formally dispute inaccurate information being reported on my credit report by XXXX XXXX XXXX XXXX ( NFCU ) pursuant to the Fair Credit Reporting Act ( FCRA ). Specifically, XXXX has incorrectly reported my account of two of my credit cards as 30 days late to both XXXX and XXXX, while inconsistently reporting it as 60 days late to Equifax. This reporting is factually inaccurate, as I have never missed or been late on a payment for this account. 

The truth is, I was granted a deferment on my account payments from XX/XX/year> until XX/XX/year>, and at no point has my account been overdue. Despite this deferment, XXXX XXXX XXXX XXXX falsely claimed that my account was late, which led to the incorrect reporting to the credit bureaus. Further compounding the issue, XXXX closed my account based on this erroneous 30-day late status. 

I have previously requested an investigation into this matter, yet no resolution or formal written findings have been provided to me. This continued incorrect reporting has not only impacted my credit standing, but it has also caused significant distress and financial harm. 

I am requesting that XXXX XXXX XXXX XXXX immediately rectify the inaccuracies on my credit report by deleting the accounts from all three credit bureausExperian, XXXX, and Equifaxas they can not validate the correct information. Reflecting that my account was neither 30 days nor 60 days late and that I had an approved deferment until XX/XX/year> is both horrible service and illegal. 

Should XXXX fail to take immediate corrective action and properly update my credit report, I will be forced to pursue legal action in my jurisdiction to seek monetary damages for the harm caused by this inaccurate reporting. 

I look forward to a prompt response and resolution of this matter. Please note these are my words and my own complaint and I am not being coerced into writing this complaint or represented by third party. Please do not try and delay the outcome by using this manipulative method of stalling.
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

I pay to have all XXXX credit bureaus, at my reach. I monitor my credit report and scores, weekly. I have been paying off my credit cards and my scores were rising. XXXX this is what my scores were. XXXX XXXX, Equifax XXXX and XXXX XXXX. Now nothing has changed, but me putting more payments towards my loans. ( credit cards ) XXXX Equifax credit score went down XXXX points, for no reason. I have not used any of my credit and I been paying things off. How can they just go and take away XXXX points, for no reason. This is not fair, and I am sure it's not legal. There has been no activity on my accounts, except for the balances decreasing, due to me paying them down. This is not right, and I want my XXXX points back. I worked hard to get my scores up. Again, there was no reason to take XXXX points from my Equifax score. Pleas help
Consumer complaint received 2024-09-28
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. (PA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXX XXXX Balance : {$11000.00} XXXXXXXX XXXX XXXX  XXXX Balance : {$59000.00}