davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-01
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)

On XX/XX/year>, I filed a complaint with Experian through the CFPB regarding an XXXX XXXX account on my credit report that was a result of identity theft. In my complaint, I provided Experian with an FTC Identity Theft Report and requested that the account be deleted from my credit report. 

On XX/XX/year>, I received an email from Experian stating that the dispute results were ready. This response was received only one day after my initial complaint. Experian failed to communicate through the CFPB platform and instead sent me a generic message indicating that my request to block the account was made in error and that they would not be able to delete the account as it meets FCRA standards. 

XXXX actions indicate that they did not conduct a complete reinvestigation of the account. Furthermore, they failed to show proof of ownership of the XXXX XXXX account, which is impossible as this account does not belong to me. By not deleting the account as required by FCRA Section 605B, Experian has violated federal law. Section 605B mandates the deletion of information that is a result of identity theft within the stipulated time frame when provided with appropriate documentation. 

Additionally, XXXX XXXX  is in violation of the Fair Debt Collection Practices Act ( FDCPA ). When they sent me a dunning letter, I informed them that the account did not belong to me and requested that they cease all communication. Despite this, XXXX XXXX added the account to my credit report, which is a direct violation of the FDCPA. 

I request that the CFPB investigate this matter and ensure that Experian complies with the FCRA by conducting a thorough reinvestigation and deleting the fraudulent XXXX XXXX account from my credit report. If this account is not removed, I will seek to take legal action with my state attorney as Experian and XXXX XXXX are actively violating my consumer rights.
Consumer complaint received 2024-06-01
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: R&M Marketing Associates LLC (NY)

Debt Advisors of America sent me unsolicited and unwelcomed offer to lend to settle credit card debt. Notice XXXX of XX/XX/year>. Perhaps XXXX sold my information to collect a payment. All payments to discover are current and in good standing.
Consumer complaint received 2024-06-20
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. (PA)

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-06-01
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. (MA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-06-01
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. (NC)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2024-06-01
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. (LA)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MO)

I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.
Consumer complaint received 2024-06-01
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. (OH)

It's been over 30 days and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment. They have not supplied this information and they must delete the alleged. Make payments on my credit report. Under federal law, they had 30 days to complete the investigation, and by failing to do so, the item must be deleted from the report as soon as possible. Fair Credit Reporting Act this creditor has violated my rights under 15 year C 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604 A section 2 and also states a consumer reporting agency. They're not functioning in the car without my written instructions under 15 USC 1666 BA creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This is one of many times we have addressed this situation over. These accounts XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX are not complete and accurate
Consumer complaint received 2023-11-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (TX)

I contacted FASFA on XX/XX/XXXX and asked for alternative payment options to lower my monthly bill. The PAYE monthly amount of {$810.00} is unaffordable at this time. They recommended I apply for the Graduated Repayment Plan - this afford a lower monthly amount of {$410.00}. The application and request was completed. They said I should hear about the update in 3-5 business days. On XXXX  I received an electronic message from Mohela that an automatic withdrawal of {$810.00} would be taken from by bank account on XXXX. I called Mohela on XXXX to speak to a representative. I waited on hold for over an hour. When I finally got to speak to a representative they were undergoing training and were unable to locate my complete FASFA Graduated Repayment Plan request. I was put on hold for another 45 minutes. The second representative made me reapply for the Graduated Repayment Plan. I completed the submission with her over the phone. I was then told I would have to go on an administrative forbearance while my application was processed. On XX/XX/XXXX I received an electronic communication from Mohela " Repayment Options '' with detailed estimate of my Graduated Repayment Plan payment amount and schedule. No action was required. On XX/XX/XXXX I received an electronic communication from Mohela saying an automatic withdrawal of {$810.00} would be taken from my bank account on XX/XX/XXXX and that my administrative forbearance is expiring on XX/XX/XXXX. On XX/XX/XXXX I received an electronic communication from Mohela saying my Graduated Repayment Plan request was denied. The reasoning stated Consolidation Loans were ineligible. I did not authorize the consolidation of my Student Loans. I am unable to afford the {$810.00} monthly payment. I work a full-time job Monday-Friday from XXXX XXXX XXXX and can not afford to sit on hold for hours. Mohela has been unable to provide me with accurate clear information on my repayment options.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

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 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 XXXX 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 2024-06-25
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: EQUIFAX, INC. (NC)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-25
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. (DE)

In accordance with the Fair Credit Reporting Act ( FCRA ), I am writing to inform you that the following accounts have violated my rights to privacy and confidentiality under 15 USC 1681 : - XXXX XXXX ( Account Number : XXXX ) - XXXX XXXX  ( Account Number : XXXX ) - XXXX XXXX ( Account Number : XXXX ) - XXXX XXXX ( Account Number : XXXX ) These accounts have been reported without my written instruction, in violation of 15 U.S.C 1681 Section 604 A ( 2 ). Additionally, the reports contain adverse information older than seven years, which is prohibited under 15 U.S.C 1681c ( a ) ( 5 ).

As you are aware, 15 U.S.C 1681s-2 ( A ) ( 1 ) states that a person shall not furnish any information relating to a consumer to any consumer reporting agency without the consumer 's consent. I demand that you take immediate action to correct this violation and remove the aforementioned accounts from my credit report.

Please investigate this matter and provide written confirmation of the actions taken to rectify the situation within 30 days from the date of this letter.
Consumer complaint received 2024-07-21
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: U.S. BANCORP (CA)

A process server entered my private property which clearly states no trespassing and cameras and recording are present. He presented himself as a USPS worker and placed a Priority Mail document on my door 25 yards from my locked gate with no trespassing sign. It was not address to me or any of my residences, there was no return address so I called the USPS and they stated that they were never paid to deliver nor was it delivered by them. So since it was was not US mail I opened the package only to see they are suing a XXXX XXXX XXXX. I attempted to look up some of the attorneys listed and one of them states they are not allowed to practice law in XXXX XXXXXXXX XXXX XXXX XXXX. I had to take my medical devices off because I thought it was a government agency the USPS only to find out they are deceiving me and it was not even for me.
Consumer complaint received 2024-07-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc (VA)

My XXXX cell phone was shut off. Then XXXX XXXX XXXX XXXX XXXX XXXX XXXX  were being rerouted to XXXX and XXXX. We caught this but by the time we did they had gotten into other things like my XXXX account and PayPal account and taken out a XXXX XXXX XXXX  account In The amount of {$5000.00}. We caught some of it due to letters coming to my home and of course the phone being shut down. Thru my vigilance and footwork I work hard at fixing alot of this stuff. Then 30 days later I received a bill from PayPal with a {$2100.00} computer charged to my account. And have been disputing this charge ever since. They have a XXXX  identify theft policy but they have been fighting me since 2023 and I have sent all of the identity theft, paperwork police reports, a lot of money in paper work sometimes they say they receive sometimes they don't. I'm not sure I even have done power of attorneys and FTC Identity Theft Victims Complaint and Affidavit. I have never paid for this computer. I have never taken possession of this computer and when I went to the police department after going to XXXX because I found out from PayPal and ( XXXX XXXX  ) that it was delivered from them to my home I went there personally And got the paperwork for it and gave it to all of them the police for the police report. I asked the police to track it in there cyber crimes unit. ( I'm sure it's being used for criminal activity ) They would not. Plus it is a felony. They would had absolutely no interest in the computer. But everyone would know I did not have this computer. Even XXXX is engaged with me at this time trying to make PayPal and XXXX XXXX understand I do not have this computer
Consumer complaint received 2024-07-26
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (NY)

I contacted Citi about the interest rate level on my XXXX credit cards with them. They are at XXXX  %. This is an unethical interest rate especially in the current economic environment. They are not the only ones taking this action and I feel it is gouging the consumer and no one is attempting to do anything about it. I pay my bills on time and always pay more than the minimum amount. I just recently paid off these cards too, convenience of use with credit cards is the way our culture operates, gouging with an interest rate and other practices to keep people entrenched in credit card debt is just wrong. 

I contacted the bank and asked for an interest rate reduction. They looked into " alternate offers '' and stated that I was at the lowest interest rate being offered at this time. If rates are even higher than mine, then there is a serious problem with these banks. At what point will there be an investigation and recourse against this practice from the regulating agencies or the Federal Government? No one can possibly think this is acceptable. 

In the fine print are all the details of the account. You know the average consumer doesn't read and continuing to use the card locks in new terms. That is also a problem. We are knowingly pulled into these rates through marketing campaigns and enticements of balance transfers, points etc... 

The bank refused to take any action. I advised them that I would be filing a complaint.
Consumer complaint received 2024-07-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (IN)

My preferred payment method was not used on Paypal payments. The XXXX XXXX XXXX  is listed as the preferred payment method and has been since XX/XX/year>. Instead Paypal charged my checking account, which caused overdraft issues from my bank. When I contacted Paypal, they did not address the issue or take responsibility for their mistake. 

This included the following transactions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I already canceled my XXXX  transactions when I noticed the issue, but the XXXX transaction has not been canceled yet.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (GA)

I have one discover card account. discover is reporting this account to XXXX twice as XXXX different tradeline, XXXX different balance, XXXX different minimum monthly payment, with XXXX different credit utilization that has caused my score to drop significantly while I'm trying to obtain mortgage. 

I reached out to XXXX they said it is an error on the part of the creditor ( Discover Card ) reached out to Discover Card they said they refused to delete the item with effecting bureaus. 
Discover card said they need XXXX days to rectify the issue however I'm under contract for a house purchase and unfortunately, I do not have XXXX days Credit score drop may result in mortgage denial or higher interest rates. 
I am a helpless consumer victimized by creditor and credit bureaus. seeking help from regulatory authority
Consumer complaint received 2024-07-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY (NJ)

Ivwas wrongfully charged for 10 yrs ( as per wellsfargo ) it wasnt a car-it was related to my mortgage and credit card. Ivwas given XXXX $ compensation but that amount was for car loans and i was wrongly charged on mortgage and credit card by wells fargo. I was told by a friend to makeca cimplaint b/c Wellsfargo continues to pay out incorrectly & this is why im submitting a complaint Ten years
Consumer complaint received 2024-07-19
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (AZ)

US BANK Froze all accounts starting with my checking and XXXX credit card accounts, XXXX card that I had for 15 years, because I tried to send {$20.00} they XXXX, to someone they said was a scammer or a fraud according to them. I had no way of knowing this. All of my credit card accounts have bedn paid in full every month. This has been over XXXX weeks ago and I still have not received my money that was in my checking account.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I reached out to Transunion to investigate XXXX XXXX # XXXX as I know there is incorrect information reported on my credit report. 

In accordance with the fair credit reporting everything has me be 100 % accurate on my credit report. 

The TransUnion stated my account was properly investigated, but how is that possible if the date opened is incorrect, last reported date incorrect, date last active also inaccurate. 
This is ground for removal, they also violated my rights under 15 U.S.C 1681 section 602 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.

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