davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: PENTAGON FEDERAL CREDIT UNION (CA)

RE : APPLICATION XXXX XXXX On or about XX/XX/XXXX I received in the mail an unsolicited " pre-approved '' offer for a Visa from PenFed, with a unique ID number to input on their website to accept the offer and to input my income and housing expense information ( which was $ XXXX and $ XXXX, respectively ) as well as my full SSN and email. After doing so, instead of indicating my credit line and APR I received a message that the application was under review. 

A day later I received an email requesting that I upload a full color copy of my ID, which I did. I called to follow up that it was received and verified with their agent that it was received and accepted, and that the application would now be forwarded to an underwriter for further processing which would take a couple of days. 

Two days later, I noticed on my XXXX Credit Report that XXXX had done not just one, but TWO had pulls of my credit file in addition to the previous soft full for the pre-approval offer they sent me- leaving a total of 3 inquiries on my XXXX. 

On XX/XX/XXXX I called again, speaking with " XXXX '' and was told the application was declined based on information on my XXXX credit file. There is no difference in the data elements provided to creditors between a soft and a hard pull. All of the information I placed on the offer acceptance matched with what's on my XXXX credit file, and the only difference in the reports between the time of the soft pull for the pre-approval and the hard pull at time of acceptance was that my credit score had gone up about XXXX points to about XXXX, credit balances had gone down, and my utilization ratio had dropped 2 points from 6 to 4 %, no additional inquiries, no derogatory information or public records, whatsoever, and no change in personal information of report flagging- so an excellent credit report had just gotten even more attractive. 

So I asked XXXX why they sent me a pre-approval based on information they had, which they never intended to honor, even when they verified the information had not changed or had gotten even better? She had no explanation and would not specify what data element of the hard pull the declination was based off of. 

I asked XXXX why they had fouled my credit report with an extra, unnecessary hard pull only a day after they did the first one. She had no explanation. 

Based off of the irregularities and inconsistencies of PenFed 's actions and statements, I am left to conclude that : 1. Their pre-approved offers are false advertising employed for the purposes of data mining at the expense of their victims credit scores, or 2. They are discriminating against applicants based off of information other than that provided by the applicants and their credit reports, and/or 3. They are not accurately or honestly disclosing their reasons for adverse actions against applicants.
Consumer complaint received 2024-09-12
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)

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.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-12
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)

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. The following accounts are not accurate : XXXX XXXX {$XXXX} XX/XX/XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (PA)

My Best Buy Citibank credit card is charging me almost {$100.00} a month in interest fees. I made a payment of {$500.00} in hopes of reducing my debt. Yet Im being charged almost {$1200.00} a year in interest. Im laid of due to the Coronavirus. This is absolutely disgusting.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

To Whom It May Concern, According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of incorrect and outdated personal information on my credit report. The inaccurate data reported negatively impacts my creditworthiness and violates my rights under federal law. Delete this from my personal credit report now! 

Listed below are the Personal Information that are being challenged Employer - XXXX XXXX XXXX Incorrect Name : - XXXXXXXX XXXX Employer - XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, MI XXXX Incorrect XXXX : - 1989
Consumer complaint received 2024-09-12
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. (NJ)

I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of [ XXXX ]. Please investigate and provide proof with statements showing that shese payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks!
Consumer complaint received 2024-09-12
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. (CA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-12
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)

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 2024-09-12
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 formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX XXXX XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper.

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-12
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 am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.
Consumer complaint received 2024-09-12
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: Experian Information Solutions Inc. (CA)

These companies accessed my credit report without my permission, which has negatively impacted my credit score. I reached out to Experian, and a representative said they would remove the inquiries, but theyre still there. These unauthorized and fraudulent inquiries are causing me anxiety, as I worry I might be a victim of identity theft, adding unnecessary stress to my life and further hurting my credit score.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-12
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)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-10-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch (GA)

I purchased a water filtration system for my home ( XXXX XXXX XXXX ). The company has it listed as a home improvement loan and it is appearing as a small mortgage and preventing me from purchasing a second home. I have taken out home improvement loans before with XXXX XXXX and it appears as a " loan '' with XXXX XXXX. I provided the original contract to XXXX and requested that the category be changed to loan or credit and was told on XX/XX/year> they have contacted the company and verified it to be true and they will not change the category it is listed under despite having the original contract showing is as a water filtration system. 
I was instructed to contact the company and request they change there description of the loan type. The company will not do that. 
I want the category to change from a mortgage type to a regular loan. I do not have XXXX mortgages as it is appearing.
Consumer complaint received 2023-11-11
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. (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 Account # : XXXX Account Name : XXXX XXXX  Account # : XXXX Account Name : XXXX  Account # : XXXX Account Name : XXXX  Account # : XXXX Account Name : XXXX Account # : XXXX has violated my rights. Or list of inquiries 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 2021-12-17
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: MoneyLion Inc. (WA)

I am a victim of identity theft. Incidents has been filed to local police department for police report. The fraud Moneylion account is a result of the identity. I sent email and made multiple calls to reach out to the institute fraud department when I received a debit card in letter. The call is always directed to voice message only. I have never received any call back after leaving them message. When I talked to their customer service department with recorded call reference ID, they assured me the account was frozen on XX/XX/XXXX with fraud alert, but when I called again XX/XX/XXXX for follow up, they told me that a loan was approved even after I put security freeze for all XXXX credit bureaus. The email I sent on XX/XX/XXXX to alert the fraudulent accounts and got a reply with a generic custom support email for rating of the service. So far there isnt any other response or call back. A very challenging institute to work with.
Consumer complaint received 2024-10-21
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

Best Buy/CBNA account number XXXX, report the account to my credit report as charge of the debt and report it as charge every month but fail to send me a 1099C even when I request one. This is legal as they have reported the debt on their tax and still porting my credit tell as charge off and fail to send me the 1099C
Consumer complaint received 2024-10-11
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southern Management Systems Inc. (FL)

Dear Southern management, In response to the debt {$11000.00} you reported to the credit bureau on XX/XX/year>, I am contacting you to make the precisions below : In reference to the agreement I signed with the initial creditor XXXX XXXX XXXX I consented that any proceedings to enforce the guaranty agreement be brought before the court sitting in the judicial district or circuit in which the apartment is located to file an affidavit. 
I did not receive a call, nor a validation notice from you, Southern Management, to state the debt, the name of the original creditor, the amount and my responsibility with the initial creditor, I believe that XXXX XXXX XXXX, who is the initial creditor just made a default judgement for themselves to take money from me. I am writing you to let you know that I do not have any responsibility with the debt you are trying to collect according to the fact described below : I co-signed the student XXXX XXXX for an appartement within the XXXX XXXX XXXX XXXX located in XXXX, Florida to pursue a degree at the XXXX. She has not missed any payment, however, after she graduated, she was going through some XXXX XXXX, XXXX  issues, and she could no longer afford the rent, so she decided to move out with the consent of XXXX XXXX in the sense that they sent an agent ( XXXX ) to inspect the property and retrieve the key once she cleans up. XXXX did clean the property and dropped the key on the XXXX of XX/XX/year> as requested by XXXX XXXX. Upon reception of the key, XXXX XXXX made her sign a sublease to immediately terminate her contract with them, matter of fact XXXX XXXX paid the remaining balance. As a proof, XXXX XXXX cleared her account to XXXX balance ( Receipt and exchanged message and photos after cleaning up attached to the letter ). 
As far as the reported debt to the credit bureau, I found out after I was denied by VA for my home loan as an Active-Duty Military. With the information the lender provided, I called Southern management and had XXXX XXXX, she asked my account number and I politely replied I do not have it, and she said so I can not help you and hanged up the phone, I called her back again, and she said : As I told you I can not help you without your account number, I said maam I do not have it, she then asked my name and I spelled it for her and she said I do not see your name, so I dont have anything for you and then asked my social security for further verification, I said maam, I do not know what is going so I cant give you my SSI number and she hanged up the phone. 
In fact, I do not have an account that I am aware of with you. As stated, I do not have any responsibility with the debt you are trying to collect. 
In witness whereof this letter is written to Southern Management LLC to serve as a dispute against the debt.
Consumer complaint received 2024-07-16
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)

I have sent out several complaints about XXXX XXXX XXXX  who are engaged in unfair, deceptive or abusive acts or practices ( UDAAP ) in violation of the Consumer Financial Protection Act ( CFPA ). They have repeatedly destroyed my credit score by falsely reporting me late just to turn around and make corrections to their fraudulent billing. My credit score has taken a big hit because of this which means I can not get approved for anything based on my score and there needs to be a stop to this. Experian, XXXX and XXXX should not allow this company to keep making these recurring violations. I received a notification XX/XX/year> from XXXX that my XXXX lost an additional XXXX points because XXXX XXXX XXXX  has reported me 60 days late in the amount of {$1000.00} which is inaccurate, when they STOLE my car because it was not in repossession status. I haven't had the car, and they are still reporting me late on my credit report and have removed my account from the customer 's portal to even make any future payments. They're in complete violation of the FCRA by reporting inaccurate information on my report. My credit score is truly damaged because of them and after they made their corrections in the past, I still have not received the points that I lost due to their unfair deceptive and abusive acts and practices. This company would take your car note payment and apply part of it to the XXXX and then report you late for the entire car note plus late fees which they in fact owe me. XXXX XXXX XXXX continues to report inaccurate information with knowledge of errors. They reported me 30 days late XX/XX/year>, made corrections XX/XX/year>, then I noticed they removed my account from the online portal XX/XX/year> and " repossessed '' my car between XXXX XXXX. My car is not in repossession status. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).

15 U.S.C. 1681s-2 ( a ) ( 2 ).